(Men drive more, too)

Rating systems and rate factors vary from insurance company to
insurance company. Auto insurance premiums are determined by using
many factors, gender generally being one of them.

With all factors being equal, a female between the ages of 18 and 25
will generally pay less then her male counterpart. This is because
generally speaking younger women have fewer accidents and moving
violations than males in the same age group. Statistics show that
males typically are more aggressive drivers and thus with some
insurance companies their risk factor is higher so a male driver's car
insurance rates are higher than that of a female.

Some of the other reasons that this is the case is because males on
average drive more then females. And if you drive more then your odds
of being in an accident increase. Also, young men are more often risk
takers behind the wheel. This often results in moving violation
tickets. Both of those factors result in higher premiums.

Male under the age of 25 typically have the highest premiums. Females
normally cost a bit less to insure because of statistics showing they
are not as aggressive behind the wheel.

So gender does affect your rates, because statistically females
drivers have less incidents than males their rates are in general
lower. Of course if a female has a bad driving record and her male
counterpart has a good, clean record then the female's rates would
normally be higher due to her record.

http://www.carinsurance.com/kb/content31134.aspx

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mad