If you compare a large amount of car insurance quotes for the 2 different genders, then you will obviously see that women get cheaper premiums than men. This is because female drivers are considered to be safer drivers. Women tend to be more careful on the roads and are therefore less involved in car accidents which would give rise to insurance claims and eat in insurers' profits. This has enabled the ladies to position themselves as better drivers and as a result insurers give them a discount for their good driving records and that explains wny
female drivers car insurance is less expensive.
Put it this way, if insurers don't have to spend money on you, they will obviously give you better deals because they will make a bigger profit on you.