Does The Color Of A Car Affect Insurance? Everything You Need To Know

Is the color of your car influencing your insurance rates?

A widespread belief among American drivers suggests that red cars are more expensive to insure.

an image illustration of Does The Color Of A Car Affect Insurance? Everything You Need To Know
Does The Color Of A Car Affect Insurance? Everything You Need To Know


However, studies by two US-based price comparison websites, and, shed light on this common misconception.

Join as we delve into whether the color of a car affects insurance.

Red Cars: A Common Misconception

In a survey conducted by in August, 44% of 1,000 respondents believed that driving a red car affected auto insurance rates.

This belief was more prevalent among drivers aged 18 to 29.

A similar poll by in 2020 showed that 46% of 2,000 licensed drivers assumed that red cars cost more to insure because they are more likely to get pulled over for speeding.

The Truth about Car Color and Insurance Rates

Contrary to popular belief, experts unanimously agree that car color has no bearing on insurance rates.

According to, “The color of your vehicle is not even a question on the insurance application, and it is a non-factor.”

Kristofer Kirchen, president of Advanced Insurance Managers, emphasized that insurers do not consider the color of the car when determining insurance premiums.

Factors that Actually Impact Car Insurance Rates

While car color may be a non-factor, several other elements play a crucial role in determining insurance rates.

Experts point to the following factors:

1. Driving History:

  • At-fault accidents can significantly increase insurance rates.
  • Driving under the influence (DUI) has the most pronounced impact on premiums.

2. Location:

  • Car insurance costs vary based on the state and even zip code, affecting the percentage of income drivers allocate for coverage.

3. Vehicle Make and Model:

  • The type of vehicle, brand, and age influence insurance rates. For instance, luxury cars may have higher premiums.

4. Vehicle’s Age:

5. Credit Rating:

  • In most states, credit-based insurance scores are used to determine premiums, with higher credit ratings often leading to lower premiums.

Other factors include a driver’s age, gender, marital status, annual mileage, and coverage types and deductibles.

The Origin of the Red Car Myth

The misconception that red cars cost more to insure stems from statistics related to sports cars.

Car and Driver explain that sports cars, often chosen in red, have higher insurance rates due to a higher likelihood of accidents.

Who Cares about Car Color?

According to a poll by, drivers’ color preferences are diverse, with black, silver, and white ranking higher than red.

Reasons for choosing a particular color include aesthetics, practicality, and personal preferences.

Conclusion: What Really Matters in Car Insurance

In the realm of car insurance, the color of your car is inconsequential.

Instead, it is essential to focus on factors such as driving history, location, vehicle details, and credit rating.

Understanding these elements can empower drivers to make informed decisions and debunk common myths surrounding car insurance rates.


Q: Does the color of my car impact insurance rates?

A: No, car color has no influence on insurance premiums.

Q: What factors affect car insurance rates?

A: Driving history, location, vehicle details, and credit rating are key factors.

Q: Why do people think red cars cost more to insure?

A: The misconception is rooted in statistics related to sports cars’ higher insurance rates.


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