What is zip code of Tashkent?

Same reason they can chgare more for single/divorced/widowed people as opposed married people, or a 24 year old as opposed to a 25 year old, or bad credit people as opposed to good credit people. Statistics show they get into more accidents. There's a better chance a man will cost the insurance company more money than a woman of the same age group. Simple as that. Obviously this is a generalization and isn't true in every single case. You can say men take more risks or think up a dozen other reasons this may be so, but all the insurance company cares is how big of a risk you are based on your status in life. Is it right or fair? Only for the insurance company.