Can the color of your car affect insurance?

Asked by: Keven Wiza  |  Last update: February 11, 2022
Score: 4.8/5 (58 votes)

You may have heard red cars are more expensive to insure. But, according to the Insurance Information Institute (III), the color of the car you drive does not affect the price of auto insurance. Here are some of the factors that help determine your auto premium and what to look for when shopping for car insurance.

What color car is most expensive to insure?

Though car color usually will not have an impact on your car insurance rates, white, black, blue, and red cars are usually more expensive to purchase across the board as they are very popular colors. Popular car colors may be more expensive as the demand for them is higher.

What colour car has the lowest insurance?

What Color Cars are Cheaper to Insure?
  • White: 29%
  • Black: 19%
  • Gray: 17%
  • Silver: 11%
  • Blue: 10%
  • Red: 9%
  • Brown/beige: 2%
  • Green: 1%

Does insurance cost more for black cars?

No, car color does not affect insurance rates. Whether your car is yellow, black, silver, or any other color, your car insurance will not be affected as car insurance companies don't even know the color of the car you're driving.

Does color affect insurance rates?

You may have heard red cars are more expensive to insure. But, according to the Insurance Information Institute (III), the color of the car you drive does not affect the price of auto insurance.

Car Insurance : Does the Color of a Car Affect Insurance?

33 related questions found

What is the safest color for a vehicle?

We've referenced the safest color car on the road. That color is white. White cars are 12 percent less likely to be involved in an accident than black cars at any time of the day under any conditions. This is because there is often a lot of contrast between white cars and its surroundings.

Does the colour of a car affect the price?

The general rule of sober shades and metallic paint absolutely applies to large cars. Used saloons, SUVs, estates and luxury cars almost always fetch stronger prices if they're sold in widely popular black, grey, silver, blue or white.

Do you have to tell insurance if you paint your car?

When it comes to car insurance, your insurance company will consider your car to be in the same condition that you bought in its original form, so if you get a customized paint job added to your vehicle and want it to be covered in case of damage, you should notify your insurer.

Are yellow cars cheaper insurance?

Yes and no. You'll often hear people say that certain car colours are more expensive to insure than others. Red and yellow cars, for instance, are often labelled as "risky" and therefore attract a higher premium. ... The colour of the car you buy from a dealer isn't factored into the price you pay for insurance.

Do yellow cars get pulled over more?

The urban legend that red cars get pulled over more has persisted for years. ... It turns out that there is a color that gets pulled over more than others, but it's not red. The vehicle color that gets pulled over more than any other color is actually white. However, red does come in second place.

Why is the color red more expensive on insurance?

The reason that red doesn't result in a car insurance premium increase is a simple one: There's no statistical data that indicates red cars get into more accidents. In fact, there's no specific correlation between a car's color and the accident risk, so color shouldn't affect auto insurance premiums.

Does gender affect insurance rates?

Gender is often one of the factors insurers use to determine auto insurance rates. Women sometimes pay less than men because women tend to have fewer accidents overall, as well as fewer driving under the influence (DUI) accidents and fewer serious accidents.

Are silver cars cheaper?

According to iSeeCars, white, black or silver tend to depreciate more slowly than some colors because they are safe picks that appeal to a wide segment of drivers. ... Take yellow cars, which depreciate less over three years than vehicles of any other color.

Does adding a spoiler increase insurance?

Not all modifications will affect the price you pay for car insurance. Changes are only likely to increase your insurance if they increase 'risk'. ... Engine upgrades, spoilers and bumpers are all examples that could make your car riskier and mean you'll pay higher premiums.

Can I repaint my car a different color?

Painting a vehicle in a different color is more expensive and takes longer to complete. ... Changing paint colors will easily cost as much as the highest quality standard paint job and may be even more, depending on how drastic the color shift. Painting a vehicle in a different color also affects its resale value.

Can insurance tell if car remapped?

Yes, you will definitely have to tell your insurer if you have a remapped car. Remapping is considered a modification and is, therefore, a change in what you had originally insured with the insurance provider.

What is the most unlucky car colour?

Yet again, Green has been voted the unluckiest colour for cars, racking up 36% of votes in a recent poll conducted by Be Wiser Insurance.

What color car holds its value best?

Overall, yellow is the vehicle color that holds its value best, depreciating 45.6 percent less than the average vehicle.

What color increases car value?

The study determined that yellow cars tend to bring back the most bucks, depreciating an average 45.6 percent less than conservative colors after three years. Other standout shades in terms of resale value include bright-and cheerful shades of orange, green, red, and blue.

What is the most accident prone car?

Cars most likely to be involved in accidents
  • Hyundai Ioniq.
  • Lexus CT.
  • Toyota Prius V.
  • Mazda CX-3.
  • Infiniti Q60.
  • Subaru Impreza.
  • Hyundai Genesis Coupe.
  • Subaru WRX.

What color car is easiest to maintain?

Green is a relatively easy car colour to keep clean because it hides dust and dirt quite well, as well as mud splashes on the lower sections. Green is an easier colour to keep clean than black, or other dark colours, but shows imperfections more easily than white, grey, and silver.

What car color is attractive to a girl?

The top car colors for attractive women were red (40%), black (23%) and silver (14%).

What color car hides scratches best?

The best colour for hiding minor dents and scratches is white. The reason for this is because its bright colour helps minimize the appearance of scratches, especially when it's a bright day. While white is the best colour, you won't go wrong with other lighter colours, such as silver grey.

What color car is most attractive?

Most attractive people drive black, white, and red cars

A further 25-percent voted white, while 24-percent voted red. The rest dispersed among blue, silver, gray, and other non-specified colors.

What factors affect insurance rates?

What factors are most important for car insurance rates?
  1. Age. Age is a very significant rating factor, especially for young drivers. ...
  2. Driving history. This rating factor is straightforward. ...
  3. Credit score. ...
  4. Years of driving experience. ...
  5. Location. ...
  6. Gender. ...
  7. Insurance history. ...
  8. Annual mileage.