Young + Male is a great way to increase your car insurance [1]. I think it's safe to say car insurance's cost is reflective of risk (cost) with a more serious accident costing more than a less serious.
CDC also states that men get into fatal accidents much more often (2x) than females [2].
"Crashes involving male drivers often are more severe than those involving female drivers."
"The number of driver fatal crash involvements per 100 million miles driven in 2016-17 was 63 percent higher for males (2.1 per 100 million miles traveled) than for females (1.3 per 100 million miles traveled). Rates were substantially higher for males than for females ages 16-29, but were only slightly higher for ages 30 and older. The sex difference was largest among drivers ages 20-29."
"per 100 million miles" is also restarting this conversation from scratch.
Conditional on being in a crash is the operative clause here.
> Crashes involving male drivers often are more severe than those involving female drivers
is closer to the mark, and the next unquoted sentence "However, females are more likely than males to be killed or injured in crashes of equal severity, although sex differences in fatality risk diminish with age" seems like it may be what the article was talking about, though the cited source is from 1998, well before a number of modern car safety features were standard (even air bags weren't required until that year).
CDC also states that men get into fatal accidents much more often (2x) than females [2].
[1]: https://www.moneygeek.com/insurance/auto/rates-by-age-and-ge... [2]: https://www.cdc.gov/transportationsafety/teen_drivers/teendr...