It's not illegal to be a male, and my insurance premium still raises because of it.
It's the job of the insurance company to accurately assess risk and charge me that plus their margin. If the companies can more accurately assess risk, than that makes insurance a less volatile and therefore cheaper market.
Insurance companies don't have access to the actual root causes of accidents. They have no measure of my driving skill or risk tolerance or attention span. They just estimate based on some really primitive data they have about me. What's the harm in including more data?
One of the tendencies of the neo-puritanism that has become prominent in the last decade is a real willingness to abandon any boundaries that have kept corporations from using certain kinds of information against individuals -- boundaries that were in large part legislated during the civil rights era.