system
Given the following post, respond as if you're commenting on Reddit:
human
CMV: Higher insurance rates for young men is sexist.

Yes, I understand the fact that there are studies showing how young men can be more reckless than women, but that shouldn't be a good enough reason to treat men any differently than women. 

For example, "Whites, who make up 78 percent of the U.S. population, accounted for 35 percent of the state prison population. Blacks, who make up 13 percent of the U.S. population, were 38 percent of the state prison population. Hispanics, who make up 17 percent of the U.S. population, were 21 percent of the state prison population." Does this mean Blacks or Hispanics should be treated differently just because there are statistically more of them in prison? No. This, I feel, is a good analogy as to why men should be getting the same insurance rates as women.

I'm not a 'masculinist', but It just strikes me as unfair. I would love to hear some other opinions! Thank you for taking the time to read :]

Edit: I'm talking about car insurance.
gpt
Insurance rates are all about probability.  The insurance companies compile huge amounts of data.  Based on the demographic data of the insured, what is the probability that they will have to pay out, and how much will they need to pay.  They take that number, add in a profit, and that's your rate.

Things that they have discovered correlate with lower costs to them include:

* grades 
* defensive driving classes
* safe driver
* age
* miles driven
* where you live
* safely equipment on the vehicle
* gender

Of the these factors are used to set rates.  All of them are "unfair" in a sense.  You could be a much better driver at 16 than some other people are at 40.  You could get straight A's and drive drunk every night.   But statistically (and again, that's all that insurance is), if the company insures 1000 women and 1000 men, they are going to pay considerably less for the women.  Why should they have to pay more?