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Does the color of your car matter for insurance?

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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

Anyone who does comparison shopping for insurance — a wise strategy when seeking the best rates — will notice applications for insurance policies do not ask about the color of the car.

The reason is color is completely and totally irrelevant when determining an insurance rate.

The idea that a car’s color dictates rates of insurance, however, is not completely rooted in fantasy. Research shows certain specific car colors have been known to pay a higher rate of insurance. Cars with certain colors commonly pay higher insurance rates, but there’s more to the story.

The added insurance rate on, say, silver and yellow cars is not rooted in the colors themselves. No one has decided to levy higher costs at black and red vehicles, while green and white ones are given a pass.

Rather, sports cars and other sleek vehicles are highly popular in the colors red, black, or silver. Since these cars are sometimes driven faster or in a more erratic way, the drivers of such cars end up being cited for moving violations at a higher rate.

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A driver of a black SUV or a silver Porsche has access to a lot of horsepower. Most drivers are conscientious of others on the road and would not wish to violate traffic laws.

Others don’t prescribe to good driving behavior and choose to change lanes aggressively or to travel above the speed limit.

Such actions lead to traffic citations, which drive up insurance rates. Higher rates resulting from traffic citations might be compounded with the added costs of insurance standard with vehicles that can reach high rates of speed.

Changing the color of a vehicle, any vehicle, is not going to lower insurance rates if the driver of a particular style of car keeps getting tickets.

Inadvertently, the colors of the cars get logged into data statistics. As a result, misconceptions about correlations between vehicle color and insurance rate emerge.

Factors that Impact Insurance Rates


Being too focused on myths such as the color of a car affecting insurance leads to trouble. Customers draw their attention away from the things capable of driving up insurance rates.

The age of a driver plays a role in determining rates. A younger person is going to likely pay more than a more mature, measured, and careful older person.

Vehicles with several authorized drivers on the policy pay higher rates than a single driver. Cars used for business purposes pay more than a vehicle not used for business purposes.

Two other factors that are considered for the quote rates are an applicant’s:

  • Credit score
  • Previous insurance history

In other words, a lot of factors are examined. The factors contribute to the tally of the price.

Some may choose to cut down on their insurance costs by eliminating coverage that is not mandated by law. Optional coverage not required by law would be:

Eliminating these forms of coverage might not be the best idea. The driver ends up being financially responsible for losses associated with accidents or incidents usually covered under those areas of coverage.

Reducing mandatory liability coverage down to the bare minimum amount is not a good plan either. Being sued beyond one’s coverage limits is always a real possibility. At that point, a negligent driver may wish they had paid a little extra for more liability coverage.

Comparison shopping is also critical to finding the best rates for any car. And yes, this goes for any color of car as well.

Comparing different policies every six months allows for locating prices that are reasonable even when filled up with a great deal of extensive coverage.

Compare at least three to four policies today and find the best auto insurance rates for you! Enter your ZIP code below to get started!

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Compare Quotes from Top Companies and Save

or call (855) 425-8122 for free quotes