Equal Pay For Car Insurance

If we are all suppose to be treated equally then surely this is against human rights and needs a stop to it immediately. A argument put forward by the government are young drivers are more likely to speed due to overconfidence and therefore crash however this is absurd considering that only 3% of accidents are because of speed, there are devices such as black box's to prevent this however the insurance policies are still expensive, furthermore the actions of a minority shouldn't reflect on the entirety and affect them by causing to pay almost double the normal amount when they are unemployed and rely on parents income.