Final answer:
Young male drivers tend to have higher insurance premiums than young female drivers due to their higher risk of car accidents.
Step-by-step explanation:
Based on the given information, we can determine that young male drivers tend to have higher insurance premiums than young female drivers. This is because actuarially fair insurance premiums are set based on the risk group individuals belong to. Young male drivers are considered to be at a higher risk of car accidents compared to young female drivers. Insurance companies charge higher premiums to cover the expected higher costs associated with young male drivers.