Why do men pay more for car insurance than women?

It may be sexist, but for the most part it is true. Guys are bigger risk takers out on the road than girls. My experience has been that the majority of people I have seen run red lights and cause traffic accidents were men. My stepdad works for the fire department and responds to bad car accidents the majority of the time. Men are the ones usually found to have caused the accident. This isn't to say that women aren't big risks as well. Most young people are a liability when driving altogether. I do feel for those guys out there that are careful drivers though. They are paying for the damage that all those other guys have done.