The problem is as I see it;
According to insurance companies younger men may be worse drivers but this is because when they have a crash it's usually a big one/possibly at high speed/writing off the vehicle and involving a claim.
Whereas younger women drivers "probably" have a lot of accidents which aren't recorded in insurance stats due to no claim being made.
Does that make younger women better drivers then younger men? I don't necessarily think so.
Basically everyone should start on an even keel regardless of gender.
Gender stereoypes aside
Insurers don't care who is a "better" driver, they care who is statistically more like to make fewer claims. So driver A (male or female) with 1 bump per month which they don't claim for is a "better driver" than driver B with one write off in 3 years, but no bumps.
The idea that everyone gets treated equally is a bit naive, although I get the principle you're driving at (and agree with it). Insurers are managing risk, so if you happen to fit the riskiest profile (young male driver), you get the risky premium. It sucks, but it's the only logical way to run a business.