Can the color of your car affect your insurance premium?
Asked by: Kaela Rohan | Last update: February 23, 2025Score: 4.9/5 (27 votes)
Does a car's 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.
Do I have to tell my insurance if I change the color of my car?
If you decide to change your car colour (or make any other modifications), let your insurer know as soon as possible. They'll need to change your car insurance details to keep your policy up-to-date. This means that you may not be covered if you need to make a claim on your car insurance.
Which color car is the cheapest to insure?
- White: 29%
- Black: 19%
- Gray: 17%
- Silver: 11%
- Blue: 10%
- Red: 9%
- Brown/beige: 2%
- Green: 1%
What is the best color car to avoid accidents?
Overwhelmingly, white is considered the safest car color with the lowest risk of being struck. According to one study, white cars are 12% less likely to be in a crash than black cars, even during the day.
Does the color of my car affect my rates
What color car is the most expensive to insure?
Color has no impact on your insurance price. At Progressive, we won't even ask about it. Custom paint jobs are another story—if you paint your vehicle, be sure to add optional coverage for “custom parts and equipment” to your auto policy.
Which car color is hardest to maintain?
Conclusion. The bottom line is, white cars are by far the easiest to keep clean. Black cars are the hardest, as they show grime more easily and don't hide imperfections well at all. Red—or any other bright color that requires frequent cleaning—isn't ideal, but it can still work if you have some time and patience.
What color car has the lowest resale value?
Popular colors like Black, White and Silver depreciate at a rate close to average. If resale value is important to you, you'll probably want to steer clear of gold and brown, colors that depreciate far worse than average.
What is the cheapest car color to maintain?
Gray and silver are the easiest colors to keep clean.
What is the cheapest brand of car to insure?
The Honda CR-V, Mazda CX-5, Jeep Wrangler and Subaru Outback are the cheapest cars to insure. All three have full coverage rates under $250 per month, on average.
Can I legally change the color of my car?
You Might Face Regulatory and Registration Issues When Painting a Car. The color of a new vehicle is noted in registration documents, and some states require that the owner of a vehicle notify the state's vehicle-registration authorities in the event of a color change.
Does hitting a deer fall under collision coverage?
Your car insurance will cover a deer hitting your car if you have comprehensive coverage. This is an optional coverage that pays for damage to your car not related to a collision. Comprehensive coverage will not apply if you swerve to avoid a deer or other animal and hit another vehicle or stationary object.
What color car looks most expensive?
Deep Navy Blue – Dark blue, particularly with a metallic finish, conveys a sense of reliability and richness. It's less common than black or white, giving it an exclusive feel that can make a car appear more luxurious. Metallic Silver – Silver cars are associated with modernity, innovation, and sleekness.
What color car is the least stolen?
According to the data: White and Silver/Grey Cars: These colours are stolen less frequently than others. Their high visibility may deter thieves as they are easier to spot by witnesses and law enforcement.
Which car color does not have a negative impact on your car insurance rates?
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.
What color car gets hit the least?
White. 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.
What color car looks the cleanest?
FAQ About Car Color and Cleanliness
Light-colored cars such as gray, silver, tan, or beige are considered the easiest to keep clean. These colors are typically more reflective, which helps camouflage dirt and other imperfections, giving the car a cleaner look.
What is the most forgiving car color?
Lighter colors like silver, gray, and beige are easier to maintain and show less dirt, while darker colors like black, red, and dark blue can be more challenging but offer a striking appearance when freshly cleaned.
What color car is the hardest to sell?
- Gold: While it may be a unique choice for some, gold cars often have lower resale values as they may be seen as dated or less universally appealing.
- Purple: As a less common and quite specific colour, purple cars can be harder to sell and might fetch a lower resale price.
Does car color affect insurance?
Insurance companies do not consider the color of your car when calculating your premium. However, they do consider many other factors that are important to keep in mind when choosing car insurance. They will ask you for your vehicle's year, make, model, and vehicle identification number (VIN).
What is the most attractive car color?
White tops our list as the hottest color for cars 'cause it's just so fresh and clean. The reason why white works so well is that it can be used to create the most visually-appealing contrast between the main body of the car and smaller parts like the wheels, grill, or windows.
What color car is most unpopular?
- Green: 2%
- Orange: 0.5%
- Beige: 0.5%
- Brown: 0.4%
- Yellow: 0.2%
- Gold: 0.1%
- Purple: 0.1%
What color car gets the most tickets?
White, which accounts for 25% of the total car population, receive 19% of the tickets, less than they should if all were proportional. Silver, which hits 10% of total cars on the road, was issued just 5% of all tickets. The theory is, that the police may not notice white or silver cars as much.
What color car hides scratches the best?
- White. While light colours are often the least forgiving when it comes to small framework fractures, white cars are so light that they actually hide their dents quite effectively. ...
- Silver. ...
- Grey.