"They also have and cause far more accidents per mile driven than men. On average though they drive far fewer miles than men which is why their premiums are lower."
It isn't nearly as simple as you're making out...
I have only quoted part of the report but the rest makes interesting reading about who has most accidents but if TL;DR; the answer is idiots.
Road casualty statistics show a big difference between men and women when it comes to safety on the roads. Men are far more likely to be killed or seriously injured on roads than women, as pedestrians, cyclists and as drivers, and at all ages. This applies not just in the UK, but in the majority of countries worldwide: globally, men account for 73% of all road traffic deaths, with an overall rate almost three times that of women.
Some of this difference can be explained by the fact that on average men travel greater distances; but studies have shown that even when this is compensated for, a striking difference can still be seen, both in terms of the number of men involved in crashes, and in the types of crashes in which they are involved .