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bUt InSuRaNcE cOmPaNiEs ChArGe MeN mOrE tHaT mEaNs MeN dRiVe WoRsE!!!!
(spoiler: men drive more miles)
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.
Most highway fatalities are caused by men. Speeding, reckless driving, drunk driving.
Most city and town incidents are caused by women. Fender benders, accidents, etc. these are usually not fatal.
Men are better drivers, arguably. But they are also more dangerous drivers.
It's a quantitative vs qualitative argument.
Women get into more crashes. But men get into worse ones.
A lot of those are suicides by car wreck. The stats really should be separated out by whose fault it is but that will never happen because that doesn't push an agenda.