The higher price might not be malicious but it is punishing. You’re charging one gender more than the other. The distinction is that in auto it’s due to behavioral factors (men are more likely to drive recklessly) than by a consequence of mere birth (a health insurer charging women more essentially just for being women).
My assumption was due to your “liberal nonsense” remark. That aside, I can’t take seriously a group of people (conservative or whoever) who rationalize higher prices as A-OK when businesses set them all on their own without explanation or obvious cause, but raise holy hell when they feel govt is involved. It’s not consistent.