While both get in accidents, insurance companies tend to charge males more up to the age of 25. But the most important thing is the reality that young people tend to have a lot more accidents. By 17, accident rates are cut in half. By 19 then are cut in half again. By 22 they are cut in half again. The issue is not that young drivers are always bad drivers, but they tend to let themselves get distracted, and to not pay enough attention to what is happening around them. You always have to assume that every other driver on the road is a complete asswipe.