Is car insurance cheaper if a woman is listed as primary driver or a man?

It depends on the age and driving record of both parties. Generally speaking, women can get cheaper insurance rates than men, all things being equal. However, an older man with a long, clean driving history would get a cheaper insurance rate than a young woman with a short or poor driving history.

If you are both listed as possible drivers, it probably won't make a large amount of difference in the price you are quoted. The insurance company would have to assume that either party could be driving the vehicle at any given time.