Why is boys car insurance higher than girls car insurance?

Answer 1

Insurance rates are based on what they call 'actuarial tables', which are basically statistics on accidents people get into and associated with various factors such as age, gender, the type of car, and so on. Males are statistically more likely to get into an auto accident, especially under the age of 25 (and especially if driving a powerful car that is difficult to control or a car that is more fun to drive recklessly in), and therefore their insurance premiums will be higher. The insurance company is taking a bigger risk in insuring a male driver, so they charge more money to offset the possible cost of having to pay a claim.

Actuarial tables are not intentionally biased. They are based on empirical evidence -- observed facts. The fact that male drivers are more likely to crash a car is not the result of someone deciding they don't like men. It is an observed statistic in reality.