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> Do men really have more tickets and accidents? Maybe. Or maybe they just get caught more.

The internet seems to indicate that men do cause more accidents, but they also drive more on average. Insurers would only be interested in the likelihood of a payout, so they should rationally charge men more. Also, men get far more DUIs (big payout).

* NOTE: not a rigorous investigation of the numbers.

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Women get pregnant more than men, but get charged the same medical insurance rates. Women take maternity leave more than men, but legally you cannot pay women less. How come in scenarios where women cost more, it is mandated that men and women must pay the same, but not in cases where men cost more?

Women may get pregnant more, but iirc men have higher mortality rates at all stages of life - I'd also guess way more accidents from risky behavior work related or otherwise. Women also earn less money, and most consumer price discrimination seems to target them (pink shirts cost more than blue shirts) so maybe it sorta works out?

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