Are insurance rates base on updated statistics of accident by sexual characteristics and age?

Or are they based on old statistics 20+ years ago? When I influence updated statistics I mean statistics from last year, the year formerly, etc.

In my opinion, accidents rates are greater for men because men drive more than women, so of course accident rates are highly developed. What do you think?

And since a lot of women use cell phones or put on makeup while driving, I would give attention to insurance should be higher for them. And since a lot of accident are caused by cell phone use or texting, I would think that women create just as many accident as men. Of course cell phones weren't around 20+ years ago.

So if anybody can provide any updates statistics on accidents, please answer.

Also, I'll like to enjoy answers from those who work in insurance.
Answers:
yes, they're updated at the least per annum, actually even more often because it medium money to an insurer to know the latest updates. and men have more expensive accident, because they drive more aggressively. Source(s): 25+ years, agent
And of course you can provide a link to the research work you did on women drivers for adjectives of us to peer review? Or are you just talking out of your ***?


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