No, it's not men. It's young men. The younger they are, the more they're charged for car insurance. The other part of your question is also wrong, because women don't cause more accidents than men. Women are getting causing more accidents than they used to, but they're still not crashing more than men.
Insurance companies aren't doing this just because they're evil, because being evil requires having a soul. Insurance companies are completely soulless. They charge more for young men because they have proof that young men are more likely to crash. They all study statistics very closely, and the statistics have always been the same. Year after year, decade after decade, males under 25 have been crashing harder and more often than anyone else.