Common Myths About The Color Of Your Car and Your Insurance Costs

Through the years, urban myths about the relation of insurance cost and colors have been circulating. No studies have been conducted to evaluate its effect; however is a serious allegation. They are so common that sometimes cars of specific colors are overnight sensations while some cars gather dust in the corner of a showroom.

The good news is that the color of your car does not in any way affect the cost of your insurance. In fact, insurance companies get information about vehicles through VIN, or Vehicle Identification Number that  tells your company about the make, model and year of your car, as well as where your car was manufactured. No question about color is ever included.

Determining the amount of your premium

It is not true that red cars pay higher insurance rates. The color of your vehicle does not impact on your car warranty insurance premium. The rate of your auto insurance is determined by the following: age of the car, car’s body type, driver’s age, engine size of the car, make & model of the car, your credit history and your driving record. Other affecting the rate of your premium calculation are: price of the car’s sticker, popularity of the car with car thieves, repair costs and safety record. Color is not among the information needed.

Color of your car does not matter

Red cars are awesome but they do not escalate premium prices and that are paid based on stated information. What counts, however, is the drivers’ behavior. Whether the car is red, white, blue or any color, drivers are arrested for moving violations, like speeding or reckless driving that adds points to their license and certainly affect the cost of premiums. You buy a car in your favorite color but insurance companies are color blind.

Companies look for

Car Company ignores the color of your car when they charge premiums. Their rates are affected by your driving habits. Bad habits of speed and disregarding traffic rules are reflected in the number of points in your record. The higher the number of points accumulated, the higher the insurance. But the most important factors in evaluating the amount of monthly rates are:the type and year of your car.

The myth origin

Well, it has to do with numbers. Sports cars have higher premiums as they are driven faster and exposed to more accident risks. And it seems natural for sports car to be red. So, the more red sports cars are out there, the tendency to charge higher premiums. It’s the color rather than the car that’s jacking up their rate.

Effects of other colors

White is the most popular vehicle color in the world. Although owners of large sport utility vehicles tend to prefer black. Silver is the preference of drivers of mid-size sedans. Other car colors depend on the trend and popularity from year to year. Colors are chosen based on the owner’s personal preference and taste.


More often drivers of red cars are more often stopped for speeding than drivers of vehicles with other colors because they are more visible and catch the attention of traffic officers. It has not been proven that red car creates an illusion of running faster. Car color and speeding ticket incidence have no correlation; moreover, car color has nothing to do with insurance’s higher or lower cost.