[vgurgov]

sorry, I don see any problem here.

If the fact that "Statistically, male drivers are more dangerous" would mean that no matter how safe am i driving, my insurance cost will be higher than my wife's insurance would prob make me feel discriminated based my gender. I want my_insurance= f(driving_experience, incident_count, my_car, my_area, etc) not my gender.

[michaelcampbell]

You have that now.

Premiums are based on the groups to which you belong. Some of those groups are driving experience, your car, your area, your incident count, etc. Another is, of course, your gender. If a valid statistical correlation can be found between gender and revenue, they will adjust the premium to compensate.

[vgurgov]

so what about if next study will show that statistically afro-american drivers are more or less risky that others? still fine to have different rates for them???

I dont know much about how car insurance are calculated but if their formulas still have some gender discrimination - this should be banned.

[stuartjmoore]

The real question is: what makes a group okay to "discriminate" against?

Is it my driving experience (i.e. age)? How many incidents I have had? My ability to afford a safe car or live in a nice area?

Where are we allowed to draw the line?

[michaelcampbell]

Why is gender protected? You seem to be perfectly ok with discriminating on age (experience) and where you live.

[echubb]

That would be fine if insurance companies had the administrative manpower to tailor policies to each individual customer, but they deal in generalities so they rely on a risk profile derived from people similar to you. Also, your function is not applicable to a first time driver who has no previous experience or incident count.

[vgurgov]

"deal in generalities" should not be function of my gender(which is 1)initially not under my control 2) even unclear how to define in some "complex" cases? ).

my funtion is perfectly applicable for firsttimers. in this case some of the args are zero So first time male/female drivers in same region, age, cars, other characteristics should have similar costs for their first ins_period.

Again I dont see any troubles with this initiative, to me it makes perfect sense.