Women's Car Insurance Ireland
Cover For Every Safe Driver*
Get QuoteIs Car Insurance cheaper for women in Ireland?
No, car insurance in Ireland is priced the same for men and women. Since a 2011 European Court of Justice ruling, insurers cannot consider gender when calculating premiums. Instead, everyone is offered the same policies and prices, with cover tailored to their individual needs. Your car insurance cost is based on factors like your driving history, vehicle type, and claims record, not your gender. An Post Insurance searches across our panel of leading Irish insurers to find you the most competitive price for your chosen level of cover.
Choose the best cover for you
Depending on your circumstances, car, and budget, you may prefer fully comprehensive or third-party, fire, and theft insurance. See the below table for a brief overview of the differences between these policies and visit our comparison page to learn more.
| Details | Comprehensive policies | Third-party, fire, and theft policies |
| Damage to your own car | Yes (accidental damage) | No |
| Damage to others | Yes (injury and property damage) | Yes (injury and property damage) |
| Fire damage and theft | Yes | Yes |
| Standard benefits | Usually included (e.g. breakdown assistance, windscreen cover, motor legal protection) | May vary by insurer |
| Optional extras | Available at an extra cost, including No Claims Discount Protection, Step-Back Discount Protection, Keycare, and Personal Accident Cover | Available at an extra cost |
Features and Benefits
Your car insurance policy includes a range of benefits as standard. You can also add optional extras such as Keycare or Open Driving for added peace of mind.1 It is not necessary to purchase any optional extras in order to purchase a policy.
BoxCleverCar Insurance2 features and benefits cover and limits differ from our standard car insurance product, find out more on our BoxClever Telematic Car Insurance page.
Breakdown Assistance
Help is just a phone call away with our 24 Hour Breakdown Assistance service, available in Ireland and the UK.3
Windscreen Cover
Make sure you can see clearly with unlimited windscreen cover when you use our insurers' aligned repairer network.4
Driving Other Cars
Third-party cover to drive other private cars that are not owned by you, for those occasions you may need to drive someone else's car.5
Discount for No Penalty Points
Some of our insurers offer a discount to drivers who have appropriate licences, with zero penalty points for driving offences in the Rep. of Ireland.6
1) These options are subject to an additional charge; it is not necessary to purchase these upgrades in order to purchase the policy. Open Drive is subject to driver/vehicle eligibility criteria and restrictions may apply. Keycare is administered by Keycare Assistance Limited and underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY.
2) BoxClever Car Insurance features and benefits differ from standard car insurance. Visit our BoxClever Telematic Car Insurance page for details.
3) Breakdown Assistance is covered as standard for all policies underwritten by Aviva, AIG and FBD. For policies underwritten by Allianz, Breakdown Assistance is only included on Comprehensive cover. Refer to your Policy booklet for applicable terms and conditions relating to Breakdown Assistance Cover.
4) Applies to third-party fire & theft and comprehensive AIG policies and FBD policies; applies to comprehensive Aviva and Allianz policies only. Can be added to Aviva & Allianz third-party fire & theft policies at an additional charge. It is not necessary to purchase this optional extra in order to purchase a policy.
5) Cover is provided for eligible occupation, age and licence types only. Geographical and vehicle restrictions apply.
6) Available on AIG and Aviva car insurance policies only.
What do I need to get a Car Insurance quote?
Getting a quote takes just a few minutes. Before you start, have the following ready: your personal details (name, date of birth, address, occupation), your driving licence information, your car's details (make, model, year, engine size, annual mileage, plus it's quicker if you have the car registration to hand), your driving history (claims, penalty points, convictions), and your No Claims Discount details. Once submitted, you will be presented with the most competitive price from our panel of insurers.
We value your feedback
The staff that looked after my renewal were all excellent. I was changing my car a few days before renewal and they took care of everything. They helped me with my payment (I was stressed at the time) and were so patient. Overall, very happy with the service. Janette 1st - Mar - 2026
Women's Car Insurance FAQs
There are several ways to reduce your Car Insurance Premium:
- Adding a voluntary excess on top of your compulsory excess can lower your cost. The options available will be shown during the quote process.
- Paying your premium in one annual payment is usually cheaper than monthly instalments, which include a service fee of up to 12%.
- Building a claims-free driving record earns you a No Claims Discount that increases each year, up to a maximum that varies by insurer.
- Choosing a car with a smaller engine (under 1.4 litres) can also help.
- If you are a young or first-time driver, BoxClever Telematics Insurance* may contribute to more competitive premiums at renewal by rewarding safe driving.
An Post Insurance searches across our panel of leading Irish insurers and presents you with the most competitive price for your chosen level of cover.
*BoxClever Car Insurance features and benefits differ from standard Car Insurance. Visit our BoxClever Telematic Car Insurance page for details.
No, not since a European Court of Justice ruling on gender discrimination in 2011. Now Car Insurance premiums are priced the same for men and women, based on other factors such as driving history and claims record.
No, or at least not because they are women. Insurance premiums are calculated individually and can vary depending on driving experience, vehicle type, and claims history, not gender.
Your premium may be influenced by a number of factors, including your driving experience, vehicle type, and level of cover selected. Discounts may also be available for drivers with a strong no-claims history.
As a named driver on someone else's policy (such as a parent's or partner's), you can build Named Driving Experience (NDE). This is a record of your claims-free driving history while driving under someone else's policy. When you take out your own policy, your NDE may entitle you to a discount. However, Named Driving Experience is not the same as a No Claims Bonus. Only the policyholder earns NCB. The acceptance and discount offered for NDE varies by insurer.
Yes, you can add another driver to your policy as a named driver. Adding a named driver may affect your premium depending on their age, experience, and driving history. Named drivers earn Named Driving Experience (NDE), not No Claims Bonus. Only the policyholder earns No Claims Bonus.
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