If you want the actual driving stats by male and female:
For nearly every year from 1975 to 2019, the number of male crash deaths was more than twice the number of female crash deaths, but the gap has narrowed. From 1975 to 2019, male crash deaths declined by 22 percent and female crash deaths declined by 12 percent. Since 1975, motorcyclist deaths have increased by more than 50 percent among both males and females.
Seventy-one percent of all motor vehicle crash deaths in 2019 were males. Males accounted for 71 percent of passenger vehicle driver deaths, 48 percent of passenger vehicle passenger deaths, 96 percent of large truck driver deaths, 67 percent of large truck passenger deaths, 70 percent of pedestrian deaths, 86 percent of bicyclist deaths, and 91 percent of motorcyclist deaths.
The number of driver fatal crash involvements per 100 million miles driven in 2016-17 was 63 percent higher for males (2.1 per 100 million miles traveled) than for females (1.3 per 100 million miles traveled). Rates were substantially higher for males than for females ages 16-29, but were only slightly higher for ages 30 and older. The sex difference was largest among drivers ages 20-29.
Each year from 1982 to 2019, the proportion of fatally injured passenger vehicle drivers with blood alcohol concentrations (BACs) at or above 0.08 percent has been substantially higher for males than for females.
Each year from 1982 to 2019, speeding was identified as a contributing factor for a greater proportion of male drivers killed in motor vehicle crashes than for female drivers killed in crashes.
https://www.iihs.org/topics/fatality-statistics/detail/males-and-females
You think insurance company GRC statistician would just make shit up and base their insurance policies on made up shit? Or do you think they base their insurance policies off of real world stats? There's a saying in the statistics world: real statistics are done in insurance.
I'm saying the statistics could be skewed for minor accidents based on cops siding with females more.
But none of those stats match your point which is my point. That stats are "were they involved in an accident? Did they die? What was their age? Were they drinking?"
Not, "Who is at fault?"
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.
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)