this post was submitted on 27 Dec 2025
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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.
Color is absolutely part of VIN.
But your point stands.
I ran my VIN for a Chevy Bolt through the decoder at vpic.nhtsa.dot.gov (and again through the one at driving-tests.org). It has all sorts of details, including manufacturing location, battery size, and that the headlights are LED. But nowhere on the list is the color.
There may be circumstances where the color is part of it, but it's absolutely not standard. Try it yourself.
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.