Legacy of hunting, aggressive, risk-taking past affects modern male behaviour.

The differences between the sexes in terms of their risk-proneness while driving can be explained, at least in part, using an evolutionary psychology perspective and explained in archaeological terms. In short, men have relatively stoneage brains.
According to a Social Issues Research Centre report: “Our 21st century skulls contain essentially ‘Stone Age’ brains, and the brains of men and women are different in certain crucial respects.”
The male prehistoric brain is a “legacy of his hunting, aggressive and risk-taking past” and is still evident in the way in which he typically drives his car.

No, not all men are Neanderthals!

It’s not that all men are Neanderthals – they’d be uninsurable if they were – but males seem wired to act more recklessly, and insurance companies increasingly recognise that.
Look where most male drivers have accidents: on bends or when overtaking, or at night. And women? At road junctions – probably linked to is called “perceptual judgement errors” – or when they’re stationery and someone (usually a male) drives into them.
What is the difference between a 60-something male and female motorist? Almost nothing. They share the same chance of dying in a car accident. And the difference between a 23-year-old guy and a girl driver? About 535%! 

Stoneage brain

Backing up the male “stone-age brain” theory is a study by Magnus Johannesson, an economist at the Stockholm School of Economics, who found that despite being given extra testosterone, “women did not engage in risky financial behaviour”.
The study took 200 post-menopausal women who received testosterone, oestrogen or a placebo for four weeks and had them play economic games to measure their propensity to take risks. The conclusion? Women are “a safer pair of hands on the stock-market trading floor than men”.

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Women less prone to risky behaviour

Riskiness is hard to measure, but we know it when we see it – and itâ??s clear that women are just less prone to risky behaviour.
As result, women SHOULD be paying less for insurance. Make sure that your insurance company is one that recognises the difference between men and women, and gives you a better rate than your stoneage male cousin.