Originally Posted by: zreynoldspIt's not actually that women have lower insurance because it's been 'proven' that they have fewer accident. Women actually have more accidents than men, but the thing that changes the insurance premiums is the cost of the claims.

That sounds reasonable. My experience is that women are generally worse drivers as far as overall skill and politeness on the road goes (more tailgating, not waiting for their turn in traffic), whereas guys will take bigger risks, but do so infrequently.

Sorry to sound so mean to any girls reading this. I'm just being blunt.