I would wager (speculate) that if you account for miles driven that men would still cost a little bit more. Men seem to have a more impulsive nature on average.

I would wager (speculate) that if you account for miles driven that men would still cost a little bit more. Men seem to have a more impulsive nature on average. These days, the trick to being safe on the road is defensive driving. Minimize the number of risks and give extra padding to all actions to account for the potential of driver mistakes, including the mistakes of others.