If cold legs are persistent or accompanied by other symptoms, they may be linked to specific conditions: I am a woman. Why am I always so cold? - McGill University
Women typically have a lower basal metabolic rate (BMR). A slower metabolism produces less heat, making it easier for the body to lose warmth faster than it can be generated.
When exposed to cold, the female circulatory system is more efficient at redirecting blood flow away from the extremities (hands and feet) and toward the core.