It’s fun to joke about car colors and models. But, extremely boring people (actuaries at insurance companies) have found more interesting correlations: age, gender and citizenship.
In spite of fearful husbands registering cars to wife’s names, insurance is cheaper for women. So, be worried of young foreign male drivers, regardless of car model 
That’s true. But I’ve always felt that was a bit unfair on young foreign male drivers who may be perfectly good drivers.
A large black matt black car is always a large matt black car (unless it gets a spray job).
There are no premium differences for car colours, yet.
Perhaps there should be as there is a significant difference in accident rate or severity.
If there was a real economic difference, you’d think the insurance companies would have jumped on it already.
Not necessarily. It may depend on the newness of the data.
On the other hand, smokers have much greater healthcare costs than non-smokers but there is no premium increase for smokers.
Obese people too.
Insurance companies don’t see everything in terms of pure financial loss.
There’s this tiny difference where people see healthcare as a human right, while driving a vehicle…is not a human right.
Aren’t they prohibited by law from discriminating? I thought everybody had the same premiums for their location regardless of health issues etc. At least for the basic insurance.
For life insurance, they for sure asked me about smoking and medical conditions.
That’s true here but in the US, for example, insurance companies can charge smokers up to 50% more, and most states do.
The car colour issue may just be that unless all insurance companies do it, one won’t do it on their own incase they lose customers and potential new customers.
Discrimination is when different rules are applied for no valid reason. You can’t do it based on skin colour but you can based on age as statistics show that young drivers are a higher risk.
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AXA Versicherungen, is that you? 
By UWB or similar, I actually meant that all vehicles and smart phones could have an active collision detection/avoidance function that could use UWB-like ranging (or other like WiFi time-of-flight) so that two vehicles on a collision course could find out about each other and help the drivers to react, and wouldn’t have to rely solely on a radar, camera image recognition or expensive lidar.
Then even a car suddenly pulling out of a side road wouldn’t be a surprise any more.
Putting down their phones, turning off their music, putting down the take-away coffee and concentrating on the job in hand would help too.
You’re not actually suggesting that drivers get help reacting, you’re suggesting that an electronic device does the reacting for them.
Not a bad idea but let’s call it what it is.