This is a pretty common problem with cyclists who have the muscle type that bulks up a lot. When my H was cycling competetively, he and all the guys he raced with had to buy jeans to fit their quads, and the waist would just be too big. He started buying the really relaxed fit Levis and those worked for him, but I don't think they make a similar model for women. Eddie Bauer has a very relaxed fit women's jean, at least I've seen it in their catalog. Never tried it, tho. Good luck!