What should determine your car insurance?

[Turkey]

There's no debate that the average female is safer than the average male, and that the average 40 year old is safer than the average 17 year old. So it is more logical to quote a 17 year old guy much more than a 30 year old woman.

However, the problem with varying premiums based on things people can't choose (sex and age etc) is it involves generalizing and discriminating. Insurance companies are assuming every young, male driver is a bit of an overconfident, chavy tit with little thought about how much damage their 1 ton vehicle can cause if it collides with another car, pedestrian or cyclist. So the result is there are some very safe young drivers, who want to use their car responsibly, but they're having to dish out ridiculous amounts of money because they're in the same unfortunate category as the chavy boy racers. Perhaps insurance should start off low for young drivers, but go up much more dramatically if they cause an accident or get points?

The other question is why can insurance companies discriminate against age, but not sex? Why the double standard? It may be the case that sexism offends people more than ageism, but surely that's a bit irrational, at least when it comes to insurance premiums?