Well, I generally don't ever voice my feelings, because i'm actually pretty insecure. However, had I not spoken up about the way I feel about my current bf, our relationship never would have happened. So, I've learned that being the girl doesn't mean I have to sit around and wait for the guy to get a clue- quite the opposite. I'm still learning to be open about my feelings in every aspect of life- it's definitely something I have to practice as it doesn't at all come easily to me.
So to answer your question: in my experience, both personal and with other people, yes, the girl generally waits for the guy to speak up. Though not always