Because it HAS been found in every country on earth that men, eceasiplly young men under age 25 are responsible for the majority of car crashes, and the deadliest car crashes. Its unequivocal. You don't have a right to car insurance, ride your bike or take public transport if you don't want to pay.After that age, rates are the same. Most recently, during the debate over health care, another nasty reality was brought back into the spotlight: Many insurance companies charge women higher premiums and/or impose harsher terms (by rejecting claims or curtailing coverage), eceasiplly for those of childbearing age. Examples ranged from 22% to 50% higher, depending on age and state .