Is it Fair for Car Insurance Companies to Consider Gender, Age and Driver Occupation?

My brief expert opinion in WalletHub:

Insurance companies are under substantial strain from increasing losses due to many reasons such as extreme weather (e.g., floods that damage vehicles), increasing number of crashes and fatalities, increasing rates of distracted and impaired drivers (e.g., more states have legalized marijuana), etc.

These losses have necessitated increases in premiums. A fairer distribution of increases is done by assessing risk factors and assessing higher premiums for higher-risk drivers. Young male drivers and occupations with driving as a major part of the job (e.g., Uber, delivery workers) are examples of groups associated with higher crash involvement rates.

I have a good example of risk-based car insurance premiums in my own household. My spouse and my daughter have their own car and insurance. Both are insured by the same insurance company, and both drive 2018 model compact cars of similar market value. My spouse is a white-collar worker in her late 40s. My daughter is a 21-year-old college senior; her premium is 65% higher than her mom's!