my dad is better than my mom, my sister better than my brother, so, no

I think there are good male drivers and good female drivers I also think there are terrible male drivers and terrible female drivers.

I think its unfair that ALL males should take the rap for a few bad eggs in regards to car insurance though, car insurance should be decided on individual performance and past accidents (if any).

I really don't think that driving standards are based on male or female. I have been on some of the scariest rides of my life with a man behind the wheel. My ex-husband in fact drives me nuts that he fidgets with his texting and Ipod while driving. One of my best friends (female) can parallel park a double wide city bus. Most men can't do that. I have several female friends with CDL's.

Some women are better qualified to drive than some men.
Similarily, some men are better qualified to drive than some women.
Nothing to do with the sex, everything to do with driving skills and knowledge. See?

Statistically? Yes.

But that is only because they don't tend to take chances the way that men do.
Of course, there are some women (one of whom is in my carpool) who'll misread the stats to say that they have more raw skill, and drive accordingly. My aquaintance is more agressive behind the wheel than any of the three guys in the carpool, yours truly included, and riding with her is a scary, uncomfortable experience.
She justifies her driving habits by citing statistics. She ignores the fact that the statistics only reflect favorably on women because, unlike herself, most women are simply more careful than most men.

In terms of actual SKILL?
It's a demonstrated fact that women have less ability with spatial relationships. That will translate directly to their driving skill.
Of course there are exceptions to this: Danica Patrick could drive circles around most guys.
If any of you have seen the current "Ice Road Truckers" series on The History Channel, you've probably seen Lisa Kelly, who can back an eighteen wheeler better than I ever will.

Speaking clinically, women typically have less-acute night vision than men, so that will obviously play into their driving ability.

Old people are bad drivers. Everyone else is about the same. Even Chinese people.

You don't want to start this fight. I'd avoid talking about it if at all possible. Tell them what they want to hear and change the subject. Why fight?