Apparently, guys get the short end of the stick. In my town, especially in my high school parking lot, most of the accidents (not a insane wreck, but hitting the car and denting them up) are caused by women. I have yet to see a male accident in two years. When a woman is driving and I am in the passenger seat, they are either texting, changing the radio, doing their make up, scared by larger vehicles, can't brake properly, and so many problems...I don't see this at all in guys. I believe it is corrupted and that it should be the same rate, male or female, and keep it equal.
The funny thing is, the state expects us to pay for insurance, and they allow this sort of sexist people to run this industry.