Yes,it could be.But it also could be due to things like the number of miles men and women drive,the time of day they drive and the types of roadways they use.I'd be willing to bet that insurance companies and Government agencies have very detailed stats covering many variables.
If a very skilled stunt/test pilot kills himself pushing an aircraft to the limit do we call him a bad pilot? No, he was very skilled pilot. He pushed it, gambled and lost. You could call him unsafe but not unskilled. See the difference?
That may be the case but with the information we have, women are better drivers.
The most dangerous driving age is 40 to 60 year old men on motorcycles.
Women drivers are scardy cats. They are afraid to assert themselves. They are afraid to take the lead even if they have the legal right to do so. Women drivers will always let other drivers assume the right of way. Women drivers are cautious and yielding. With the idea of lead, follow, or get out of the way, women drivers will follow. Women in general do not want to make a decision. With driving, women want the other cars to do the decision making.