why women car insurance is cheaper than men insurance. i feel this is very sexiest of insurance companies and should be equal cost for both sexes

Insurance rates are based on the risk to the insurance company.  Statistically, young men get into more collisions than young women.  Conversely, health insurance is usually a lower price for young men as compared to young women. You might find this link about possible future bans on gender based rates for insurance:  www.insursearchguide.com/articles/gender-based-car-insurance.html.