As a male with an excellent driving record, why am I forced to pay more for auto insurance because of others?

Brianne, that's true. Anyone who has ridden as a passenger in a car with a woman driver knows what bad drivers women are - you are in fear for your life most of the time, because she drives like a maniac who doesn't belive that the laws of physics apply to her. Or even worse, she starts making up her own laws of physics that Newton never heard of. That's when it gets really scary....

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https://www.linkedin.com/pulse/car-insurance-learner-drivers-ryan-holmes/