content: It's just a fact that insuring male drivers is a larger financial risk than insuring female drivers.  Each of your stats can be pointed to risky behaviors rather than male specific or female specific things. If having a penis literally directly increased liability, that'd be fine, but it doesn't. Speeding increases liability, so they increase your rates if you get speeding tickets. DUIs increase your rates. I don't think they generally track seat belt use but I'd imagine you could use the same ticket reporting system as for speeding or DUIs. The dmv.org page lists other reasons male drivers are more costly to insure: They tend to buy more expensive-to-insure cars.... okay, fine, then increase rates on those expensive cars, not all males... They tend to drive more miles... okay, I know my insurer asks my mileage, increase rates for those who drive more, not all males... Insuring a male driver that exhibits the same behavior as a female driver is no greater risk, how could it be? So insurance rates should be based on behavior, not on gender.