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Are Men or Women Better Drivers? Pt.3 What the Numbers Say

Posted by Auto Loan Solutions

Statistics reveal whether men or women are better drivers in unexpected ways.

Science and society often creates differences in the way men and women drive.

Here we are at part 3 of our series, “Are Men or Women Better Drivers?”. In our first post, we looked at the biological differences between men and women, and how they affect a person’s driving skill. In our second installment, we put society under the microscope to examine how it has groomed the sexes to treat driving differently.

Today, we’re going to look away from scientific and social theory to consider the hard facts and numbers. The stats behind male and female driving habits do reflect the two factors we considered before (biology and society), and they also reveal some other realities that many of us see as anecdotal.

So without further delay, we’ll get into part 3 of “Are Men or Women Better Drivers?” – What the Numbers Say.

Driving test results

Let’s start with where it all begins – the driving test.

We all remember sitting and waiting to see our ticket number appear in red on the little black screen, and then having to pencil in the little circles on the scantron, hoping we’d pass. And we’re all too familiar with the poker-faced, silent examiner, telling us to turn here and there, while we gripped the steering wheel, trembling.

We just didn’t want to fail.

But that just seems to be the unfortunate reality for many women drivers. One U.K. study revealed that female drivers have a higher rate of failing their driving test the first time around compared to men, and that rate increased as they got older.

Findings from the U.K. Study

  • Female drivers 17 years of age were 7% more likely to fail the driving test the first time around compared to men
  • That number more than doubles to 15% for women taking the test at age 20
  • By age 30, women are 25% more likely to fail the first time around when compared to men
  • By 35, that number jumps to 41%
  • At age 50, women are 50% more likely to fail the first time around compared to men at that age

Figure 1. Driving Test Failure Rate for Women on 1st Attempt Compared to Men

Figure 1

Figure 1. Driving Test Failure Rate for Women on 1st Attempt Compared to Men, Adapted from “Women fail driving tests far more than men – but are still safer drivers” by Emma Hartley, Retrieved from, Copyright 2016 by The Gaurdian.

Driving test results have many in favour of men as better drivers than women.

Studies have shown that men are less likely to pass their driving test the first time around compared to women.

Age seems to play a role here. Perhaps, a slight decline in cognitive function and more apprehension to learn driving skills (which commonly occurs as one ages) further explains the increase in the failure rate as a woman ages. A similar study focused on male drivers would probably yield similar results.

But why does the female driver seem to have such a disadvantage?

35 year-old Angela Clarke, who made three attempts before passing her driving test at age 18, believes the system is “rigged”, biased against women. “There must be something wrong with the test and the way it is administered,” she said, “because there’s no other way there could be such a bias towards one gender passing.”

Also onboard with this view is Frances Robinson, a 34 year-old resident of Britain who at the time of the study, was preparing for her third attempt. She acknowledged her frustration at the test saying, “I find the whole thing artificial”.

Robinson claimed to have been failed for driving too aggressively at first, then too timidly the second time around. Finally, she went to say “I’ll be angry, though, if I find out I’ve been properly discriminated against. I know I can drive…”

These stories correlate with the differences in brain structure and hormones mentioned in the first post, as well as societal conditioning. Again, all of this points to a potential advantage men have behind the wheel in terms of cognitive skills.

Could a bias exist? Possibly. To say such treatment is impossible would be an exaggeration, but it would also be unrealistic to say that driving instructors are out to “get” women.

Do you think driving examiners/tests are biased towards women? free polls

Insurance rates

Men pay more money than women for insurance, a reality that probably doesn’t surprise you. It may seem that young men swerving in between cars on the highway more often than women – a reason why they get the “higher risk” label – is just an overstatement. But there are stats to prove the stereotype (which we’ll get into soon).

The Cost of Being a Male Driver

  • Men could pay as much as $15,000 more for car insurance in their lifetime than women do
  • Men tend to pay more than 5% for auto insurance than women do
  • Men under 25 (16 – 24) pay the highest rates than all other drivers

Is that fair? As we’ll discuss in our next section, men, especially the younger ones have a higher tendency to drive aggressively. And insurance companies determine their quotes by analyzing numbers, which unfortunately works against the gents.

Back in 2014, a Globe and Mail article detailed the high car insurance rates Ontarians pay, especially younger men. One such example was Nick Dasko. Mr. Dasko bought a seven year-old (at the time) Mazda Protegè for $10,000.

The insurance bill surely hit hard. Despite his accident and ticket-free driving abstract, Dasko would have to cough up a whopping $6,000 for his annual car premium. The reason? He was a 22 year-old man.

Stories like these aren’t at all rare, and it’s common for male drivers under 25 to pay such high rates.

And the reason for this boils down to safety. Despite the cognitive advantages men have – visual, spatial and motor processing – they are more likely to get into or cause fatal or serious accidents. Additionally, men are more likely to get speeding tickets, violate traffic signs/lights or get charged with DUIs. In essence, women are safer.

Since the most important element of driving is safety, an area women dominate compared to men, insurance companies would surely rate females as “better drivers” than males. But of course, the argument doesn’t end there.

Safety studies

We’ve mentioned some other insights in our previous posts, regarding the way men and women drive.

For example, guys tend to log more miles on the road than their female counterparts. Also, as stated above, they’re more likely to commit certain offenses or end up in more catastrophic accidents. Just look at these numbers below:

Table 1. Men vs Women Driving Statistics

Men vs. Women Driving Statistics
Type of Violation Ratio of Male to Female
Reckless Driving 3.41 to 1
DUI 3.09 to 1
Seatbelt Violations 3.08 to 1
Speeding 1.75 to 1
Failure to Yield 1.54 to 1
Stop Sign / Signal Violation 1.53 to 1

Note. Retrieved from Statistic Brain. Copyright 2016 by the Statistic Brain Research Institute.

When it comes to traffic violations, the rate at which they occur among men almost doubles that of women.

However, women aren’t risk-free neither. Female drivers have a tendency to engage in certain behaviours as well, and in some instances, more so than men would for that same action (or distraction).

  • Women are more likely to respond to texts while driving than men by 5%
  • Women are more likely to snack behind the wheel than men by 11%
  • Women are more likely to ‘multitask’ (ie. attend to kids) than men do

Ultimately, both men and women succumb to dangerous habits while driving. The difference, lies in what they do.

Crash statistics

We’ve also got to look at the crash statistics – it’s here where we see some real differences among men and women drivers. Additionally, these charts show some insights as to why male and female drivers pay different insurance rates.

Figure 2. Motor vehicle accidents causing death, by sex and by age group (Males no.)

2008 2009 2010 2011 2012
Number of accidents
All ages 1,863 1,717 1,718 1,630 1,618
Under 1 1 3 1 1 2
1 to 4 8 9 15 11 12
5 to 9 17 13 11 10 21
10 to 14 21 18 18 21 18
15 to 19 190 179 183 159 153
20 to 24 254 220 211 220 216
25 to 29 174 148 158 144 139
30 to 34 133 132 115 115 115
35 to 39 132 101 112 94 90
40 to 44 115 115 122 98 103
45 to 49 163 152 119 122 137
50 to 54 134 134 132 118 122
55 to 59 127 115 115 106 112
60 to 64 92 88 94 86 83
65 to 69 70 46 69 72 72
70 to 74 62 58 78 66 57
75 to 79 57 76 56 67 65
80 to 84 59 68 57 59 43
85 to 89 39 30 37 41 42
90 and older 15 12 15 20 16
Source: Statistics Canada, CANSIM, table 102-0551.

Last modified: 2015-12-10.

Figure 2. Motor vehicle accidents causing death, by sex and by age group (Males no.), Copyright 2015 Statistics Canada

*Note individuals under 16 are almost 100% likely passengers, rather than drivers.

Women are often labelled as better drivers due to their lower rates of road fatalities.

Women get into more fender benders, while men are more likely to get into serious car accidents.

As you can see you can see, the young men ages 15 – 29 had the highest rate of accidents causing death compared to any other age group.

Figure 3. Motor vehicle accidents causing death, by sex and by age group (Females no.)

2008 2009 2010 2011 2012
Number of accidents
All ages 765 689 732 624 691
Under 1 1 0 3 2 3
1 to 4 10 9 11 7 12
5 to 9 14 6 10 10 7
10 to 14 10 9 16 10 17
15 to 19 92 79 85 62 71
20 to 24 83 69 78 60 75
25 to 29 51 50 36 44 43
30 to 34 44 41 31 34 40
35 to 39 37 32 43 32 36
40 to 44 42 44 43 28 42
45 to 49 54 47 53 26 50
50 to 54 58 51 67 48 39
55 to 59 46 45 27 40 32
60 to 64 44 30 43 30 39
65 to 69 36 28 33 40 37
70 to 74 41 35 35 39 40
75 to 79 36 36 46 35 39
80 to 84 25 36 33 39 33
85 to 89 32 32 25 28 29
90 and older 9 10 14 10 7
Source: Statistics Canada, CANSIM, table 102-0551.

Last modified: 2015-12-10.

Figure 3. Motor vehicle accidents causing death, by sex and by age group (Females no.), Copyright 2015

Just like the men, young women aged 15 – 29 had the highest rates of car accidents that led to death. But here’s the difference: the fatalities among men in these age groups were often double that of women in the same age. What does that suggest?

The combination of youth and gender – which is influenced by hormones and brain wiring – explains why men usually end up in more deadly accidents.

Women on the other hand are more likely to get into fender-benders. And even more interestingly, women drivers are more likely to crash into each other than they would into men (males are less likely to crash into each other).

Everything that we’ve discussed before involving biology and society seem to match up with the numbers.

The differences in the behaviours mentioned above are why we have phrases like “drive like a man” or “drive like a girl.” As sexist as it may sound, they have some merits.

Insure the Box, a U.K. insurance company that uses telematics to measure driver habits (and offers discounts for good behaviour), capitalized on this with their 2013 “Drive Like a Girl Campaign.”

The British insurer installs a black box into drivers’ cars, which monitors distance travelled (mileage) and driver behaviour (average speed). Since women are less likely to speed or drive excessively, they’re obviously getting the lower rates, hence Insure a Box’s advice for people to “drive like a girl”.

More importantly, they realize adopting the safer driving habits often displayed by women can reduce one’s risk of getting in a serious car accident.

The Verdict

So now we’ve reached the finale of our series, “Are Men or Women Better Drivers?”, we can safely draw some answers to the question.

We gave men the advantage when it comes to physical abilities, due to their sharper spatial awareness. Of course, women also have an upper hand biologically since they’re wired to act safer behind the wheel.

Looking at society’s influence, boys and men are more inclined towards things like auto mechanics and racing – women are usually looked at as outliers.

But now that we’ve seen the numbers, it’s clear that insurance companies look at women drivers more favourably due to their safer habits.

So here’s our take: men have the capacity to drive more skillfully than women (ie. better spatial awareness, more time spent driving), while women win when it comes to safety. Therefore, we can say the proverbial “playing field” levels out.

Regardless of whether a driver is a man or woman, however, practice and good habits will make anyone better behind the wheel, perhaps even great. We have many examples of women who make a living fixing cars or racing them, who outperform male drivers. And there are men who don’t show the aggression associated with more testosterone.

Ultimately, it all boils down to the individual, not their gender.

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