It is true that young men are more prone to risky behavior, which insurance companies don't like despite the fact that women's risk-averse behavior probably causes just as many accidents.

This is the "that makes sense" narrative but when you realize they have a deliberate agenda.

Look around at the people around you. When my dad and his girlfriend get together (I'm young and they've been dating for like 20 years) he always drives. She can drive, and she'll say she'll split driving on a trip, but in reality she almost never "feels like it" when the time comes and he does the driving.

I looked over at my uncle on one side of the family and it's basically the same thing. I looked at the uncle on the other side, same thing again - she can drive but she doesn't want to if there's a guy around to do it.

On top of that, men are far more likely to take jobs that involve driving. I bet if you look at the number of people who get a CDL license it's like 90% men.

Let's say you get into an accident. It's often unclear who's at fault, so who's more likely to get blamed when it's unclear - it's gonna be the guy. I got hit on the side by a girl once, I told the insurance company the truth that I wasn't sure who was at fault, she made up a huge story about how it was my fault.

Your insurance company can easily reach this conclusion without a deliberate agenda - they don't know who's driving or how many miles they're driving - so they look at stats and say "looks like men get in accidents 3x as often!". They don't know that men are also doing the driving 6x more often.