What color makes your insurance go up?

Asked by: Bertram Tillman  |  Last update: February 8, 2025
Score: 4.1/5 (7 votes)

Does car color affect insurance rates? The color of your car doesn't affect your insurance rate. Instead, your insurance company uses other information, like your car's age, location, usage, and your driving record, to help determine insurance rates.

What makes your insurance go up the most?

Incidents such as accidents (even if you weren't at fault), speeding violations, reckless driving, and driving while intoxicated can increase premiums. If you've filed a claim in the past few years, this might also result in an increase to your premium.

What color makes a car more expensive?

As of June 2023, the car colors that retain a higher resale value are: Yellow (13.5% value lost over three years) Orange (18.4% value lost over three years) Red (20.6% value lost over three years)

Which color car is the cheapest to insure?

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

What is the cheapest color for a car?

Having consulted in the pigment industry, white is by far the cheapest color. It is simply titanium dioxide which is dirt cheap. Following white is blue. Black is medium expensive as far as modern auto paints.

Always Look EXPENSIVE with These 7 Simple Rules

32 related questions found

What color cars increase insurance?

Does car color affect insurance rates? The color of your car doesn't affect your insurance rate. Instead, your insurance company uses other information, like your car's age, location, usage, and your driving record, to help determine insurance rates. Learn more about the factors that impact auto insurance pricing.

What is the most expensive color?

Google "the most expensive pigment" and you'll find that Lapis Lazuli is believed to be the most expensive pigment ever created. It was pricier than its weight in gold.

What car color is safest?

Overwhelmingly, white is considered the safest car color with the lowest risk of being struck.

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.

Is insurance more expensive on a black car?

There's a common myth among drivers and vehicle owners that the color of your car can raise your car insurance rates, but this is false. Despite what you may have heard, the color of your car does not affect your car insurance rates. We don't sell your information to third parties.

What is the hardest color car to sell?

Worst Car Colours for Resale Value:
  • 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.

What is the number 1 car color?

White is the overwhelmingly most popular car color in 45 of 50 states, while black is the most popular in the remaining five.

Which car color looks premium?

Metallic Silver – Silver cars are associated with modernity, innovation, and sleekness. A metallic silver paint job can make a car look both sophisticated and futuristic, enhancing its perceived value. Rich Burgundy – A deep, rich burgundy or maroon can give a car a regal and expensive appearance.

Which gender pays more for car insurance?

On average, young men pay much more for car insurance than young women. This is because car insurance providers find men to be riskier drivers than women, especially when they are younger. When they are older, women start to pay slightly higher rates.

How do you lower your car insurance bill?

7 ways to lower your car insurance premium
  1. Qualify for insurance discounts. Getting more discounts that lower your car insurance premium might be easier than you think. ...
  2. Increase your deductible. ...
  3. Reduce your coverage. ...
  4. Compare rates. ...
  5. Try usage-based insurance. ...
  6. Take a defensive driving course. ...
  7. Get a car that's cheaper to insure.

Does credit score affect car insurance?

How credit-based insurance scores work. Most U.S. insurance companies use credit-based insurance scores along with your driving history, claims history and many other factors to establish eligibility for payment plans and to help determine insurance rates. Again, except in California, Hawaii, and Massachusetts.

What car has the highest insurance cost?

1. Maserati Quattroporte. The Maserati Quattroporte is a luxury sedan that typically costs over $2,500 per six-month policy period to insure, making this car the most expensive vehicle to purchase auto insurance for in 2021.

Who normally has the cheapest car insurance?

Geico, Nationwide and Travelers are among the least expensive for car insurance. Americans are paying a lot for car insurance these days: Average annual rates for a full coverage policy are up to $2,638 per year, while minimum coverage averages $767 per year.

Is an old car cheaper to insure?

In general, auto insurance for older cars may be cheaper than insuring newer vehicles of the same make and model if the used car is cheaper to repair or replace. A car depreciates in value over time, which lowers the maximum amount an insurance company would have to pay in the event of an accident.

What color car is most stolen?

While car colour alone won't entirely protect you from theft, choosing a less-targeted colour can be one of several steps you take to reduce the risk. Bright and less common colours like yellow, orange, and green tend to be stolen the least, while darker colours like black and blue are more frequently targeted.

What color makes a car look expensive?

What colour makes a car look expensive? Black, silver, and dark metallic blues, reds, and greens are popular choices for giving a car a classy, expensive look.

What is the most crashed car color?

Black Cars

Some research has revealed that black vehicles are the most dangerous on the road. At least one study found that you're 47 percent more likely to be in a crash if you drive a black vehicle. Other studies also find that black is the most dangerous color, but offer a more reserved projection.

What color makes you look expensive?

Cream and beige tones can make any outfit significantly more expensive, but paired with navy, even for a casual look, this combination always looks so upscale.

What is the rarest color?

Blue is one of the rarest of colors in nature. Even the few animals and plants that appear blue don't actually contain the color. These vibrant blue organisms have developed some unique features that use the physics of light. First, here's a reminder of why we see blue or any other color.

What car color is worth the most?

Aside from yellow and orange - if retaining value is important to you, look to jewel tones like purple, red, green and blue. Researchers say they hold their value better than average.