In today's world it is known that males, especially younger males (16 - 25) pay a lot more money for car insurance then young female drivers of the same age. Now, to say that males are better drivers might be an over-statement but to punish them all for that for the few whom have actually crossed the line is really unfair. Drivers should be given the same amounts of insurance whether they are male or female. But that is not the case in today's world. There are however a few things that should be factors in the cost of insurance and those would have to be, how new the car is, how many years or experience the driver has of clean driving. If the driver does not have a clean record then yes his/her amount of insurance should be higher because of the higher risk of them getting into an accident. .
If you are not cautious enough to avoid getting into an accident whether you are a male or a female then you should have to pay more money for insurance based on the fact that you have not yet learned how anticipate what is about to happen by keeping all eyes on the road. That should not only be because of your sex it should just be based upon your previous driving records and the amount of experience you have on the road.
All citizens start off with the same driving experience as everyone else around them in the world, which would be none. Then why should a male have to pay more for insurance then a female should? There is no clear answer to that question, but it should not be a concern to the insurance company based on what the sex of the driver is. They should base the amount of insurance strictly on driving experience and a clean record. The driver's sex should never have anything to do with the amount of insurance.