There has been speculation for some time and many (bad) pub jokes about whether the average woman is a better driver than the average man. This especially came to light following a recent poster campaign which claimed that women were generally the better drivers.

The poster campaign was challenged, investigated by the Advertising Standards Agency (www.asa.org) and went to court. The judge and jury ruled in favour of the claim that women are better the drivers.

So, with the law on our side we can assume that women are in fact better drivers than our male counterparts. This goes some way to explaining why woman-only car insurance is invariably so much cheaper than men's.

Road behaviour and driving manners

It could be argued that the average woman is a safer driver because she takes fewer risks. Statistics show that women drink less, drive less and rarely go above the maximum speed limit. They also drive shorter distances and when they do drive, a woman generally drives more slowly.

With numerous pedestrian road deaths caused by careless drivers, keeping to the speed limit has implications not only for road safety but also for a woman's car insurance premiums. Men tend to drive faster and break the law more often. They also own and drive faster cars capable of breaking the speed limit should they wish to! So a woman is more likely to drive carefully, cause fewer accidents and be offered a cheaper car insurance deal.

White and grey matter in the brain

Other speculations relate to manners, consideration on the road and the idea that a woman driver is usually more respectful and courteous towards other drivers than a man.

'Getting cheap woman-only car insurance has never been easier'

The amount of white and grey matter also differs between men and women. The average man has 6.5 times the amount of grey matter than the average woman, and a woman has nearly ten times the amount of white matter.

Grey matter in the brain is connected to information processing. On the other hand, white matter relates to network processing resulting in speedier reactions when driving, fewer accidents and, as a result, lower female car insurance premiums.

Using the left and right hemispheres of the brain

Other differences include how men and women use the left and right hemispheres of the brain. The left and right hemispheres are connected by fibres called commissures and the bigger the area the commissures cover, the better the communication is between the two hemispheres.

Studies show that men are better at spatial-navigational skills including judging distances and women have a better communication between the two hemispheres, better memory recall (words and objects) and detailed motor skills - the latter giving them better driving skills and qualifying them for lower women's car insurance rates.

Neuromarketing and emotional impulses connected to car-buying

Most of what happens in the brain is dominated by automatic processes and emotional impulses and not deliberate thinking (like spending all your salary on that holiday in the Dominican Republic rather than saving for your next motor insurance premium or for your retirement).

Neuromarketing by car production companies harnesses emotional impulses (like the common social association of cars with money, power and success) when trying to persuade men and women to buy expensive cars, or persuade a man to buy a car that is most likely to attract a woman. This may be advertised, for example, with an alluring woman lying on top of it.

50 per cent of car owners in Britain are female and 92 per cent of women in the UK are involved in car-buying decisions. Despite this, many marketing campaigns still focus on men and on what men want in a car.

Get a cheap woman-only car insurance quote

We work hard to lower the motor insurance premiums of the average woman in the UK as they are the safer drivers. Men receive 92 per cent of convictions for driving, not women. So if you are a woman, car insurance at a fantastic rate is available from CoverGirl.

For those of you who drive regularly and intend to stay on the road for as long as possible at the lowest cost to yourself, simply fill in our online form right away for a swift and cheap car insurance quote.

Your quote will be guaranteed for the next 30 days and we ensure we will protect the security of the information you give us.

Getting cheap woman-only car insurance has never been easier!