> fair share
Male drivers and female drivers don't have a "fair share" of insurance costs. No one should be obligated to pay for the actions of others simply because they're the same sex.
Driving risk should be evaluated on an individual basis based on those individuals' behavior.
> putting them at even more of a disadvantage
Young women are no longer at a disadvantage. Young women graduate college more often and earn more than young men.
I focus on young women and young men in this case because those are the people most affected by gender discrimination in auto insurance pricing, because they lack individual driving records on which to base insurance rates.
Women graduate from college more often, but college is not what it once was - I'm a college dropout and I'm sure I earn more than most graduates (plus I don't have the debt.) Women still earn less than men. Your claim that they earn more is just false.