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Does The Color Of Your Car Affect Your Insurance Rate?

Many car owners believe that specific colors have an impact on insurance costs. In fact, some insurance companies state that potential customers often ask if red cars have higher insurance rates than other vehicles. In a study conducted by, about 46 percent of those surveyed believe that insurance companies charge higher rates for red cars because they are pulled over more often by police. According to the National Motorist Association, white cars are pulled over more often than red vehicles. However, many drivers still believe this myth. The color of your vehicle has no bearing on car insurance rates, and it will not increase your risk of getting a ticket.


Undoing the Myth

Auto insurance will protect your car in the case of damage or injury. It can cover you from financial loss if your vehicle is stolen. The amount of coverage you will need always depends on your residing state and personal circumstances. When it is time to get a quote for your vehicle, the insurance company will factor in some details about your car. For example, some insurance companies will offer discounts for vehicles that are less than three years old. However, many people wonder about the color of their vehicles and insurance rates. Despite this car color myth, many people continue to believe that their car color will factor into policy rates. Here are a few things that you should take into consideration for your insurance rates.


Does Car Color Affect Insurance Rates?

Many variables go into calculating an auto insurance premium, but the color of your car is not one of them. However, certain situations, such as supply and demand for a specific color, can increase the vehicle’s cost. In turn, you may see an increase in its premiums. According to insurance experts, insurers never ask about the color of the car when a customer requests a quote. The car’s color is not even a question on a car insurance application. Insurance for a red car is no more expensive than a black, green, or white car. In fact, the insurance company has no idea what color vehicle you have purchased. Although your Vehicle Identification Number (VIN) is provided to the insurance company, the VIN does not reveal the car’s color. The VIN includes information on when and where a vehicle was built, the level of trim, and some warranty information, but it does not include the color of the car.

The price of a car can change based on several elements, but the most important factor is supply and demand. When you are looking for car insurance, your particular vehicle’s market demand can play a significant role. The car’s color popularity can determine how expensive it will be to insure the vehicle and whether it is a target for car thieves.

Car Color Affect Insurance Rates

The Insurance Myth of the Car Color

While car color does not increase your insurance cost, some cars are more expensive than others to insure. These factors can include the car’s age, make, and model. When it comes to this myth of car color, those popular colors can raise your policy rates. For example, many people believe red cars are more expensive to insure than neutral car colors. In most cases, this is not correct. If a neutral color car, like silver, is in high demand, you may see a higher insurance rate.


Tickets and the Insurance Company

When an insurer looks at your driving record to determine your rates, they want to know whether you are a high-risk driver. Just one speeding ticket can raise your rates as much as 15 percent. Two tickets can raise your rates by as much as 40 percent. That means tickets do have an impact on rates, but only for the driver who got the ticket. Claims are a bigger factor to insurance companies as they cost the company money. Cars with higher frequencies of claims or higher payouts than other vehicles will be rated higher. In those cases, higher rates are paid no matter your car’s color. In other words, if you are buying a Corvette, your rate will be the same no matter if the car is red or black.


When Color Does Matter?

If you have a custom paint job on your car, your insurance rates may be higher as it would be considered an additional part or equipment. However, the rate would only be slightly higher than a vehicle with a regular paint job. The color of your car may have an impact on other factors. In 2012, CCC Information Services reported that car thieves prefer green, gold, black, or white cars. Silver is the most commonly stolen car color. For those who think that red cars are popular with auto theft, these cars do not even make the list.

Neutral Car Color

Custom Paint Jobs and Insurance Rates

While your car’s color does not affect your insurance rates, some modifications can cause your policy to be more expensive. If you modify the paint or get a custom paint job on your car, you might want to include your custom paint job in your insurance coverage. When it comes to car insurance, your insurance company will consider your vehicle to be in the same condition as you bought in its original form. If you want a customized paint job added to your car and need it to be covered in case of damage, you should notify your insurer.

Many insurance companies will have special coverage for those aftermarket modifications. These upgrades can fall under the “custom parts and equipment coverage” categories. If your car is damaged in an accident, your insurance will cover the repair and replacement of those customizations. Your policy will ensure your custom paint job and other custom parts, such as lights, wheels, and sound systems, are covered by insurance.


How Are Car Insurance Rates Calculated?

Although car color does not affect car insurance price, many other factors can increase the policy rates. When you are insuring your car, the insurance companies will ask for a lot of information about your vehicle. In many cases, the insurance company will never ask about the car’s color. Car insurance premiums are calculated based on other information about you and your vehicle. Your insurer uses this information to estimate how likely you will get in an accident and file an insurance claim. These factors include:

  • The amount of coverage
  • Your driving record
  • Credit score
  • Driving habits (such as your yearly mileage)
  • Your age
  • Your residing state
  • Your deductible amounts
  • Make and model of your car


You will also want to select the right insurance coverage. There are several insurance coverage policies for your vehicle. You might want to include the following policies for your car:

  • Bodily injury liability covers your medical bills if you have injured someone in an accident.
  • Property damage liability covers the cost of property damage you have caused in an accident.
  • Personal injury protection covers medical expenses for you or your passengers after an accident.
  • Uninsured or underinsured motorist covers the costs if you are in an accident caused by a driver with little or no car insurance.
  • Comprehensive insurance policy covers damage to your car that happens when you are not driving.
  • Collision insurance covers damage to your car after a car accident, no matter who was at fault.


With more coverage for your vehicle, you can expect to pay some premium rates. However, it will be protected from any potential threats from other drivers or accidental damage.


Factors Do Affect Your Insurance Rate

In conclusion, car color does not affect your auto insurance rates, but many factors can raise your policy premiums. Your age, years of driving experience, gender, driving record, make and model of the vehicle and vehicle options are all more important than the color. These variables can increase or decrease the rates of your auto insurance.

However, car color can indirectly affect those auto premiums, but the insurance company does not factor it. If the color changes the car’s value, you may see a rise in your rates. Those custom paint jobs and equipment will increase your premiums. The market value and likelihood of incidents also determine your insurance cost. The bottom line is, if you want that shiny convertible or sports car, your insurance company really doesn’t care if it is red, black, or green. Does car color affect insurance rates? The answer is always a definitive no. You can choose the right color that matches your personal style without worrying about an increase in your insurance rates.

Insurance Rate Factors

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Whether you have a black, green, white, or red car, we can help you bring your vehicle back to its original condition after an accident. Our team uses the latest technology to make your vehicle look as good as new. You will never know that it was involved in an accident. If your beautiful car has been damaged, contact Elmer’s Auto Body today for a no-obligation estimate for repairs. You can schedule an appointment by calling the office at (856) 218-0202.

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