* Make and model of the car: This is the biggest factor. A luxury red car will be far more expensive to insure than a basic red car.
* Safety features: Cars with advanced safety features typically have lower premiums.
* Driver's history: Your driving record (accidents, tickets, etc.) significantly impacts your rates, regardless of car color.
* Location: Insurance rates vary by geographic location due to things like crime rates and accident frequency.
* Coverage level: The amount of coverage you choose affects your premium.
While some studies have shown certain colors being associated with higher repair costs (potentially influencing insurance), these are often minor differences and overwhelmed by the factors listed above. The color itself is a very minor factor compared to other variables. Therefore, it's unlikely that red consistently holds the title of "most expensive" across the board.