Gender based bias aside, I am sure if one call Geico or any other reputable insurance company in US, insurance quotes for women will be lower then their men counterpart.
What makes women perhaps a bad driver in Pakistan is harassment. I am sure we all have seen how the bikes walay stares women driver at the lights, at the mall and in general public. And some even parked their bikes right at their driving side windows, and pass vulgar comments. I would say Pakistani women are brave who can drive in such a hostile environment.