17-21-year-old women renewed with an extra 3% safe driver discount compared to men of the same age


Telematics insurance pioneer, insurethebox has revealed new data which shows that young female drivers renewed with the greatest discounts on their insurance premium after the first year in 2019.

insurethebox renewal premiums take into account collected telematics data from the black box fitted to the customer’s car, alongside a number of traditional rating factors, to build a personalised quote; and whilst gender does not play a role in pricing, there are disparities in the savings at renewal based on who drives the safest.

The insurer has previously given evidence to the age-old question of which sex drives better – in the previous reports by insurethebox, women were found to be safer drivers than men. According to these findings, men in the UK speed 94% more than women[1] which can be a crucial differentiator in calculating personalised premiums.

In 2019, female drivers at insurethebox renewed with an average 28% discount after their first year; whereas male drivers renewed with a lower 25% discount.

Women renewed with a better discount in almost all age groups after their first policy year; only the 26-30-year-old male drivers were up to par with their female counterparts. 17-21-year-old women enjoyed the best discount (33%) but the biggest difference between genders was in the over 30s group where women renewed with an average 17% off their premium, and men with 7%.


Age (years) Gender
Male (Discount received when renewing after the first year in 2019) Female (Discount received when renewing after the first year in 2019)
17 – 21 30% 33%
22 – 25 21% 24%
26 – 30 17% 17%
30+ 7% 17%


Gary Stewart, Service Manager at insurethebox comments: “We reward customers who demonstrate safe driving behaviour on our roads – which is reflected in the personalised renewal premium. Gender itself isn’t a rating factor, and as such, any trend is based on individual ability and tendencies to drive in a safer manner.”

“We have continuously witnessed young men posing a greater risk due to speeding much more than young women – based on our data, 17-year-old men speed 130% more than women of the same age[1]. We therefore see respectively more women renewing with us than men; telematics can be greatly rewarding for a safe driver.”




Media enquiries to:
Pihla Hellgren // Nathan Manley

Notes to Editors


Insure The Box Limited launched in June 2010 with its first product, insurethebox, and now holds over 5 billion miles of driving data and associated claims. Insurethebox is owned by Aioi Nissay Dowa Europe Limited, part of the major Japanese insurance group MS&D Holdings, Inc. The group is taking a leading role in the development of technologies that will change the face of motor insurance and the way we view the car.



[1]  https://www.insurethebox.com/17-year-old-men-speed-130-more-than-women-of-the-same-age/
[2]  https://www.insurethebox.com/17-year-old-men-speed-130-more-than-women-of-the-same-age/