gender-female
gender-male

The Gender Gap In 100 Drivers

When it comes to driving, the battle of the sexes still causes confusion.

Who are the better drivers - men or women? Let's find out ...

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First, let's talk money.

In 2012, the EU Gender Directive made it so that insurance companies couldn’t use a person’s sex when calculating insurance premiums.

Just after it was announced, the difference between men’s and women’s insurance costs were closer than they’d ever been.

Key:
Female
Male
Gender gap
Average car insurance premium
£1000
£800
£600
£400
£200
£0
£1000
£800
£600
£400
£200
£0
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EU Gender Directive December 2012
1 December 2011
2 March 2013
3 June 2017
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Largest gender gap before EU Gender Directive

£121
Dec 2011

Gender gap immediately after EU Gender Directive

£27
Mar 2013

Largest gender gap after EU Gender Directive

£120
Jun 2017

But the gap has widened again, with men paying £84 more than women for their car insurance.

Average Car Insurance Premium (Q3 2019)

Female
£ 0
Male
£ 0

Some might be a little confused why this might be.

Well, this is why.

British population
British drivers
Tearing up the L-Plates
Lawbreakers on the road
Accidents and insurance claims

This is the British population as 100 dots. Each dot represents 1% of the total. So if Great Britain were made of 100 people, one dot would be one person.

As you’d expect, the split between men and women is pretty even.

Source: Statista. 2018 data

But when you look at the British driver population, things are slightly more skewed towards men.

Source: DVLA licensing statistics. 49 million British licence holders (full and provisional)

1.6 million people took their driving test in 2018. How did female learners fare against their male counterparts?

Source: DVLA practical driving test statistics

More women took their driving test.

But more women failed.

And fewer women passed first time.

In 2018, 539,000 people were convicted for breaking the law when on the road in England and Wales.

Source: Ministry of Justice motoring offence statistics

When it comes to breaking the law on the road, men outnumber women almost 4:1.

And when you look at the most common offences, men dominate across the board.

Over 1.4 million car insurance claims were made in 2018.

Source: Confused.com 2018 data

Men are almost twice as likely to make a car insurance claim than women.

Men are more likely to be ‘at fault’ when making a claim. They also make more theft claims.

Not only do men make more claims, but their claims are more expensive.

Average claim payout

Female
£ 0
Male
£ 0

So men have more motoring convictions, and also make more claims, than women.
But why is this? Is it because they drive more?

Well, not really.

When it comes to average annual mileage, men and women are pretty much even.

Average mileage

Female
0 miles
Male
0 miles

So what can you do?

Take a look at our tips and tricks to keeping your car insurance costs down.

View tips

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Methodology

‘Speeding’ offences taken from MoJ offence 47. Speed limit offences.

‘No insurance’ offences taken from MoJ offences 35. Using motor vehicle uninsured against third party risks) and 36. (Keeping vehicle which does not meet insurance requirements).

‘No tax’ offences taken from MoJ offence 39. Vehicle registration and excise licence offences.

‘Drink-driving’ offences taken from MoJ offence 11. Driving with alcohol in the blood above the prescribed limit.

‘Careless driving’ offences taken from MoJ offence 24. Careless driving offences (excl. mobile phone offences).

Average car insurance premiums are based on Q3 2019 Confused.com price index data powered by Towers Watson.

Design inspired by ABC’s ‘Australia 2016 Census as 100 people’.

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