As much as insurance companies suck, I completely agree that teenagers (of all sexes) should have higher insurance rates.
Two weeks after he got his license my oldest totaled his car. I took our pickup for a ride in the woods, and got stuck so deep a tractor had to pull me out. A neighbor girl was texting while driving (omw m l8) and drove into the ditch.
They're just horrible drivers, and should cost more to insure.
I had two boys - I feel your pain.