* Association with sporty models: Many sports cars and performance vehicles are offered in red. These cars are more expensive to repair, have higher theft rates, and are often driven more aggressively, leading to a higher risk of accidents and increased insurance premiums. The red color becomes associated with this higher-risk profile.
* Statistical analysis bias: Insurance companies analyze vast amounts of data. If they see a statistically significant correlation between red cars and higher claim costs, they will adjust premiums accordingly. This correlation might not be because of the color itself, but rather because of the types of cars that are often red.
* Subjective perception: Some insurers might subconsciously (or even consciously) associate red with a more aggressive driving style, impacting their risk assessment. This is likely a less significant factor than the points above.
In short, it's not the *color* red itself that makes insurance more expensive, but rather the *types of cars* that are frequently painted red. If a statistically significant number of red cars are involved in accidents or thefts, insurance companies will adjust their premiums to account for the perceived higher risk.
