There is a lot of leniency on this subject - that is my first point. However, I would not use a comma before 'and' in list. Your two-tone car sentence would be:
He likes the red and blue and black cars.
or
He likes the red, and blue and black cars.
It can't be:
He likes the red, blue and black cars.
The rule advocated by Grammar Monster is only use a comma before and (in a list) only to eliminate ambiguity.
I am confused. I took Text Editing Class last semester, and we were taught to put comma before "and" in list. The book we used was "THE GREGG REFERENCE MANUAL" Tenth Edition by William A. Sabin.
Thanks for confirming my recollection. However, it seems that in the work place, Craig is right. But, he did preface his responce by noting there is a lot of leniency in this area.
The comma before "and" (and before "or" and "nor" for that matter) is governed by your style guide. If you have no style guide, let your preference be your guide.