[oligopoly]

>In Europe I believe that insurance already may not discriminate on sex: compared to women, men's car insurance got cheaper

That's false. After EU came meddling insurance was raised for men to the same level women had even though men have statistically lower risk of accident.

[admax88q]

That's odd. Here in North America I believe most insurance companies charge men more than women as they have a higher risk of serious accidents.

[PurpleBoxDragon]

You've probably heard of the phrase "There are three kinds of lies: lies, damned lies, and statistics."

So, I think (though I will admit it was long ago last time I looked this up), that men have a lower accident rate per mile driven but have a higher accident rate per time period (not time period driving). The reason is that men drive more (or at least use to, back when I read these statistics).

There is also the difference between different kinds of accidents. While per mile driven men have less accidents than women, they tend to, as you mentioned, be worse accidents. I forget if this actually made them cost more per mile driven or not, but once you also add in that they drive more, in a given year men do cost more and are charged more. (There is also the impact of younger men who have more thrill seeking behavior, so if you compared men and women within a specific age group you might find the statistics don't match the statistics across all age groups.)

So, thanks to the beauty of statistics, we can say that men are better drivers than women and men are worse drivers than women by using slightly different definitions of better or worse that, in layman English, are glossed over.

[oligopoly]

Could depend on the age group and driving record. In some age groups men can be overly aggressive drivers but overall less accidents compared to women.

For the person who downvoted OP was referring to the EU. Previously men paid less but when EU decided statistics are sexist now both pay the same higher amount. Yay for the consumer