You will find that the female gender gets a much better break with insurance then the male. Fewer accidents, fewer tickets, etc. Boy's on the other hand are looked at like little demolition derby wanna-be's. They cut very little slack for them.
Personally, I got my license on my 16th birthday, which was almost 50 years ago. I have not been without a vehicle since that time. I have had one speeding ticket and that was in the 80's when the speed limit on the interstate highway system was 55. I was doing 70! I have not had one single accident during that entire time. For a number of years during that time I was a professional bus driver. On the road all day, every day. Driving a 42 foot bus through city traffic.
When my daughter and her husband had accumulated enough of both, their insurance premium jumped to $400.00 per month. The next accident or ticket would end their insurance policy. She said to me... It's not fair, now we have to make sure that we don't have any "accountable" accidents anymore. I didn't know what to say. My goal was to never have any, not wait until bad things were going to happen to decide that I should try harder.