Why Is Men's Car Insurance Higher? 
Insurance companies base their pricing on mounds of historical data . They carefully review statistics common to the industry as well as those specific to that company 's loss experience . This risk analysis ultimately results in the rates we pay for the products that company offers . Over a great many years , statistics have tended to show that younger less experienced male drivers tend to be involved in more claims than their young , less experienced female counterparts . That being the case , and all other things being equal , it would cost more for a male to insure a car than it would for a female to insure the same car . 