Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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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: Aug 9, 2021

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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 can increase their rates.

A sports car, for example, is costlier to insure they’re designed with higher horse power, more features that could be used for racing, and other things that encourage reckless behavior. More importantly for some insurance companies, many of these cars lack the latest safety features that would drive down insurance premiums.

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

How Does Car Color Affect Insurance Rates and Coverage?

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!

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Vehicle Colors and Car Insurance: The True Story

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