No, you do not need special insurance if you are a women, but you just might find yourself getting a deal if you are in the female category. Do a little research on the subject and I think you will be amazed. Women tend to get a deal when it comes to car insurance rates. Now, the Cheapest Car Insurance For Women or not going to be that much lower than the cheapest male insurance, but as an overall rule, women are going to pay a little bit less. Maybe it is because men get more tickets or get into more accidents. Or maybe they just drive more than women. Whatever the case, it seems women rule when it comes to low rates.