Is is fair that car insurance should be cheaper for girls than for lads?

Your 26 year old girl lives in another community. She drives acar that people own. We have her title inside our car liability insurance . It's her mistake can and if she's a collision it nevertheless include the obligation component or may us or she be prosecuted? We are now living in Florida.
Hello i am interested to know just how much the common auto insurance cost wouldbe for small drivers between 18 and 25 years. Could anyone help me please? Thankyou.
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