Seventy-one percent of all motor vehicle crash deaths in 2019 were males.
Those stats don;t tell us how many miles (highway and city) the average male driver drove in 2019 as compared to how many miles the average female driver drove in 2019. One thing I do know: When men and women are in the same passenger vehicle together, it's usually a male driving.
Also, the focus was on deaths. What about non-fatal or even non-injury accidents? Who causes more property damage per mile driven, the man or the woman?
I believe that actuarial tables are often based on outdated or incorrect assumptions going in. They can often lack objectivity by design.
It doesn't matter. Consumer auto insurence is paid annually, not by the mile. Whether men generate greater insurance payouts due to driving more miles or by being involved in higher cost collisions (e.g. hitting something at 80 mph vs 20 is a massive difference in damages), men cost insurers more so they're charged more.
I don't like your point, but there is no arguing with those facts.
It's similar to how chihuahuas are equally aggressive to pit bulls and probably bite people as often, but if a chihuahua bites you'll just LOL and punt it. If a pit bull bites you, we're looking at expensive damages.
Also, the focus was on deaths. What about non-fatal or even non-injury accidents? Who causes more property damage per mile driven, the man or the woman?
I believe that actuarial tables are often based on outdated or incorrect assumptions going in. They can often lack objectivity by design.
Men drive 62% of all miles driven and women drive 38% of all miles driven:
https://cars.lovetoknow.com/about-cars/how-many-miles-do-americans-drive-per-year
Men account for 58% of accidents and women account for 42% of accidents.
So men take the cake for DUIs, citations, and fatalities by a large margin. But for accidents in general, women, very slightly, get into more accidents per mile driven.
Hence why insurance policies cost more for men - they cost insurance companies more.
https://www.trafficsafetystore.com/blog/who-causes-accidents/
(post is archived)