Sexual Decrimination?

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After checking quotes from various sources, I have dicovered that insuring a car as a young driver can be very expensive. It has come to my attention that Mrs. Daryl Fitch can save 500 on "her" insurance under the exact same circumstances as Mr. Daryl Fitch.
If I am not mistaken this counts as sexual discrimination and is thereby illegal. I am aware that statistics show that women drivers are more conscientious drivers but this does not imply that they are entitled to lower premiums.
I would appreciate an explanation as to why this is so.
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Motor Insurance Companies
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