17 Accused of Staging Wrecks

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I'm not trying to start a race war by any means, but I have a question here that may be appropriate for the topic.

If I'm an 18 year old male driver, isn't my insurance higher than a 30 year old male driver?
If I'm an 18 year old male driver, isn't my insurance higher than an 18 year old female driver?

The point I am trying to make is that insurance companies have underwriters who assess exposure(risk) through statistics.
Why is it legal to assess risk by means of age and gender statistics but not racial statistics?

I am not saying one race drives worse or cost the insurance companies more money. I don't have the statistics to back that claim. But if that is the case, shouldn't a high degree of seperation in exposure along racial lines be reflected in the premium?