Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 23, 2020

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Key takeaways...

  • The color of a car positively does not factor into an insurance company’s decision to set rates
  • Myths derive from statistics noting certain color cars seeming to pay higher rates; these myths are due more to the colors being common with sports cars and other adventure vehicles
  • Driving history, previous claims, and other factors are more influential regarding the establishment of a specific premium rate

Insurance companies examine various different criteria when underwriting an auto policy. Drivers who pose a greater risk on the road would have a tough time escaping higher premiums.

Other factors can contribute to paying more on policies. People may be a bit annoyed to discover the type of car they choose to drive automatically brings forth higher rates.

A sports car, for example, is costlier to insure because the vehicle drives very fast.

Careful drivers are hardly thrilled that their pristine DMV record won’t always office set costs when choosing a particular car.

Nothing would be more infuriating than the notion that the color of a car actually drives up insurance rates. Is this really true, or is is it a myth? Can drivers be stuck with costlier insurance due to a particular taste in vehicle colors?

If you are concerned about your vehicle choice and its effect on auto insurance rates, start comparison shopping today for better auto insurance rates! Enter your ZIP code above!

Vehicle Colors and Car Insurance: The True Story

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