There ARE no "women only" car insurance companies, so it's a moot point.
Regarding rate differences based on gender vs. race, how EXACTLY do you determine what RACE someone is? Pantone skin tone card? What about sun tans? Are you going to genetically test everyone who comes in? How are you going to categorize someone who's 1/4 of four different :races:?
See, when people talk about RACE, 90% of the time, they're actually talking about COLOR. Not race. And to the best of my knowledge, there IS no claims loss data based on SKIN color - as insurance companies don't ASK for someone's color.
Claims data DOES exist, based on accident location, gender, age, and car type/model.
Can't use data that doesn't exist.