Should insurance rates be equal for men and women? Is it discrimination if men or women are charged higher rates for insurance?

It may be because it is considered much easier to underwrite a loan without regard to race than to underwrite auto liability insurance without regard to sex. Women also pay less for life insurance, but pay more for annuities.

Balance. We all have conflicting moral intuitions, which we try to balance (if we're wise). So one of our intuitions has to with people paying their own way, and another has to do with making up for past injustice, and yet another with equality. Men, as a class, have been more powerful than women, so we presume they should (at least) pay their own way. Black people, as a class, have been oppressed, so we rely more on our intuitions about equality and addressing past injustice. It's not about what's "acceptable," or not, in any absolute sense. It's not about what's "sexist," or "racist," in any absolute sense. It's about balancing all those considerations, taking into account the past as well as the present, and taking into account practice as well as theory, and taking into account outcome as well as process. It's messy, it's human........it's politics. Some of us want the rules to be simple, but that can cause its own set of problems. EDIT: I forgot to say that my answer assumes that the "facts" mentioned in the question are true. I have no idea if that's actually the case.

The answer is mainly based on practicality; it's far easier to distinguish gender than race. For one thing, there are many more people of mixed races than there are of non-binary gender (a population small enough to ignore statistically, in any case). How would you describe the race of someone from South America, in which many people are a mix of European, Indigenous, African, and Asian? In most states (in the US), only gender is listed on drivers licenses, where race is not. And if race is self-reported for the most part, and if insurance companies changed rates corresponding to your race, what's to stop me from calling myself white (or whatever race is statistically least likely to cause accidents)? A couple of things in your question were wrong as well--men are actually less likely to cause accidents, but they are more likely to cause costly accidents. And in the UK at least, charging insurance rates based on gender is illegal.

In the UK at least this has been overturned a few years back.  The only default cost difference now is based on age (insurance for under 21s is huge - but that isn't argued because it's pretty justified).

Predictably, it's considered sexist discrimination to charge women higher insurance rates than men, but not sexist discrimination to charge men higher insurance rates than women.

Yes. Men and boys should not be charged more for life or auto insurance any more than women should charged more for health insurance.

A2A Women's healthcare costs aren't necessarily higher, but that's not how pricing for health insurance works, anyway. Obviously I can only speak to the United States, where I live, but I'm a bit of an expert on the matter. Insurance rates are determined based on division among the risk pool, and on the economic status of the geographical area (different rates for the same plan in different counties). In the United States, people can be charged higher premiums if they are tobacco users, as that has been shown to directly increase healthcare costs, and because it is a controllable activity. All qualified plans, however, cover substance addiction treatment. People cannot be charged higher costs due to occupation, health status, or other similar discriminatory factor. That includes sex. Because of the nature of the healthcare laws, charging higher premiums for women would be an unfair discrimination. For one thing, it is not true that women necessarily have higher healthcare costs. People often assume that, because of childbirth or use of birth control. But it is well known by people in the field that women are much more likely to participate in wellness care than men, meaning that men often need much more care once they do attend to long-neglected health conditions. For another thing, health insurance is not risk-based: we do not charge higher premiums for people who live in states with a higher incidence of heart disease or people at higher risk for victimization, for example. I am not an expert on auto insurance, so I don't feel qualified to give a definitive answer, but I do know that it differs from health insurance in that the determination of rates are risk-based. Young males are statistically a higher risk group than young females. Whether or not this is fair, I can't say, because I'm not familiar with all of the risk factors that are considered. It may simply fall into the same category as "male athletes tend to be paid higher than female athletes." Certainly it's an inequality, but it's based on economic decisions and not necessarily on discriminatory practices. What needs to change in cases like that is cultural (i.e., female athletics should be just as valued by audiences as male athletics). Similarly, perhaps, young males need to be taught to engage in fewer risk-taking behaviors.

Insurance rates are calculated as a product of the coverages being offered, the deductible, and the large-scale probability of needing to pay out.  The reason women are charged more for health insurance, men are charged more for life insurance, singles are charged more for car insurance, and so forth is because those are the demographics where insurance companies wind up paying out the most in benefits. Married drivers are less likely to be involved in auto accidents than single drivers - does that make it "marriagist" to charge higher premiums to unmarried drivers?  Of course not.  Insurance is simply one service (among a great number) which has to conform to statistical probabilities in order to remain solvent.

With the example of what happen with Health Care, that we are now paying the same.  It should also be across the broad.  Same in Life, Auto, Dental and etc.  I vote for a egalitarian world.  We already have the Equal Pay Act (Same pay per hour / Salary) and paying same health coverage.  So lets all be equal and pay the same for everything else.   Same punishment for the same crime.  That means not going lenient on any one gender.  As for the term SWATTING on gamers and the punishment that happens to those who call in a false SWAT.  Same punishment for calling anything in to police for a knowing making a false report of a crime.  And if you need to, you can look it all up.  Women have more laws in their favor.  Alimony, Child Support, Health Care, etc.   So it is systematically, politically, institutionally a woman's world.   So lets break down all the walls of anything that is unequal.