Ok let’s use empirical evidence. Statistically men drive more dangerous, faster and expensive cars , trucks and off-road vehicles that get into more crashes. They are more likely to get in situations which would increase their breaking distance which results in more crashes (eg. Alcohol). Men are more likely to pass their driving test overall and have a higher first time pass rate. Women are 24% more likely to fail their first test. This shows how men are BETTER , MORE SKILLED at driving but are more likely to get In crashes which results In your empirical evidence of insurance data!! Source: American