My coworker told me women pay less car insurance than men. So I did some research and found some sites proving that.

For example:
According to [How Age And Gender Affect Car Insurance Rates](https://www.forbes.com/advisor/car-insurance/rates-age-and-gender/), women tend to pay less for car insurance than men. How can a person pay less based solely on their gender? How can this be legal? Is this only in the US?