Yup. It's not even young men who are screwed over. I'm a 31 year old man with a flawless driving record(zero accidents, zero tickets), having driven over 400k miles over the past 14 years, and yet I still pay more in insurance than my 19 year old female cousin who already has rear ended a person in the 2 years she has been driving.

You probably drive a nicer car than she does? But still, definitely.

That is only a fair comparison if you live in the same area. Where you live impacts your insurance cost a lot.

I'm guessing that is much more a product of the value of the car you drive.

Statistically, you're extra experience (and safe driving record) makes you a much, much safer driver and insurance companies know this.

Allstate and State Farm do too. I partipate in the Allstate one currently. I can cut my bill by 30%. However, it is next to impossible to get the max. You get 10% just for enrolling and I'm on track for another 10%. The interesting part is this is all based on off the app on my phone. I do not connect anything to my OBD.

Progressive does, their snapshot measures how hard you brake.