You can absolutely discriminate based on age and gender for insurance purposes, though. Men are charged higher rates than women. Teenagers are charged higher rates than those in their 20&#x27;s or 30&#x27;s. A newly licensed 16 year old male will cost more than a newly licensed 26 year old male. My insurance went down when I got married (which is not outside of my control, but is still a protected class).<p>If there is valid statistical evidence that a certain group of people (male teenagers with divorced parents, single women in their 40&#x27;s earning more than $60k a year, divorced white men in Massachusetts, whatever) is likely to behave in riskier behavior for whatever reason, you can bet an insurance company somewhere has the data and is charging accordingly.