Reluctance to take a driving test is causing thousands of women to pay £500 too much for car insurance

Female drivers pay too much for their car insurance because they take less driving tests.

This means more women are provisionally licensed and insurers are charging policies for those who don’t have a full license.

Insurance broker said female drivers in Ireland were paying €500 more a year on car insurance than they had to spend.

Almost 200,000 more men hold a valid driver’s license in Ireland than women, according to the Central Statistics Office.

Deirdre McCarthy, manager at, said the latest driving test statistics showed that 26 per cent more men than women were taking their driving tests, and more men were also passing theirs.

She said tens of thousands of young Irish women missed the chance to deduct £500 from their car insurance because they were not as likely to take and pass their driving test as their male counterparts.

And this despite the fact that women are safer than men on Irish roads., which specializes in car insurance for young women, said drivers could save €500 on their car insurance if they pass their test and switch from a provisional license to a full licence.

Ms McCarthy said 2020 figures from the Road Safety Authority (RSA) showed men had a much higher success rate than women. That year, 57 percent of men passed their driving test, compared to 52 percent of women.

She added that in Ireland almost 200,000 more men than women now hold a full driving license despite Ireland having more women than men.

For younger drivers, the difference is even greater.

Almost 60 percent more men than women between the ages of 17 and 20 had their full driver’s licenses in 2020, she said.

“As this age group often pays too much for car insurance, tens of thousands of young Irish women are likely to pay at least €500 more for their car insurance than if they had taken and passed their driving test.”

Ms McCarthy said there was evidence that women had a safer track record than men on Irish roads.

This is shown by the fact that more men than women have penalty points on their driver’s licenses.

“So more needs to be done to encourage young female drivers to register for their driving test,” Ms McCarthy said.

According to the latest figures from the RSA, more than twice as many male drivers as female drivers died on Irish roads in 2021, with 50 male drivers dying at the wheel that year compared to 20 female drivers.

In total, 1,509,482 men held a full driving license in 2020, compared to 1,324,588 women.’s customers are mainly young female drivers and is part of the City Financial Marketing Group Limited.

The group is one of the largest Irish owned insurance brokers. Reluctance to take a driving test is causing thousands of women to pay £500 too much for car insurance

Fry Electronics Team

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