Age and Sex has more to do with it than experience. My wife just got her MC license three years ago and insurance wasn't much more than today's cost (It was a new 650 thumper at that time).
I have twins, a boy and a girl. When they both got their used cars (same day, lol!), they both went to Liberty Mutual at age 19 and asked for a quote for the same coverage. These were on older 4 cyl 4 door sedans, one being a Ford and the other a Dodge but basically the same car classification. They asked for liability with medical and a 100k instead of the state's 40k coverage. Twin Girl gets her quote at $694 per year. Twin Boy gets HIS quote (all the same stuff!!!) for $2,100 for the year.
Explaination was because of the statistics of young male drivers causing accidents.
more like young male swerves to miss young female on cell phone and hits something.......