Is this a age difference occurence?

Here in Ontario Canada most under 25 guys pay as much as double the insurance as the girls do. An accident and a couple of tickets will make it economically impossible for them to drive. That being said most people do not pay attention when they drive and age and gender has little to do with it. I work in a body shop and the best invention our shop has seen in the last 20 years is the CELL PHONE