This is (mostly) a myth, and dispelled by (among many others) Progressive and Allstate. How would they even know? Color is not part of your VIN, and is not something they will usually ask.
However, there is one small kernel of truth - sports cars, which genuinely are more expensive to insure, are far more likely to be red. But they would be the same price in blue, silver, or black.
This is (mostly) a myth, and dispelled by (among many others) Progressive and Allstate. How would they even know? Color is not part of your VIN, and is not something they will usually ask.
However, there is one small kernel of truth - sports cars, which genuinely are more expensive to insure, are far more likely to be red. But they would be the same price in blue, silver, or black.
Next time you get an online quote, experiment with the car details. You’ll be surprised.
Actually white cars are now starting to have higher premiums, because Teslas are more likely to crash into them.
How would I do that when they don’t even ask the color?
Then that insurer is cross subsidising their risks. Find a different insurer that does include color in their pricing models.
Color is absolutely part of VIN.
But your point stands.