What Color Cars are more Expensive to Insure?

While the belief that car color affects insurance costs has been a topic of conversation for years, it’s essential to separate fact from fiction. So, the question—what color cars are more expensive to insure?—is better addressed when considering the larger formula insurers use to calculate premiums. Let’s explore the various factors that insurance companies consider when determining the cost of coverage.

what color cars are more expensive to insure

Factors that affect insurance costs of your car

Insurance companies rely on a complex algorithm that considers various factors, including your driving record, age, location, and the type of car you drive. However, car color can also be a factor in some cases. By clarifying that these elements are the primary drivers of your insurance costs, we’ll put car color into its proper perspective – as a minor factor in the grand scheme of things.

Driving record

If you have a clean driving record, you will likely pay lower rates than someone with a history of accidents or traffic violations.


Younger drivers are typically considered to be higher risk and pay higher rates. Your rates will likely decrease as you get older and gain more driving experience.


Where you live also affects your insurance premium. Drivers in urban areas typically pay higher rates than drivers in rural areas. This is because urban areas have a higher risk of accidents and theft.

Make and model of the car

The make and model of your vehicle can significantly impact your insurance costs due to varying risks associated with different vehicles. For instance, sports cars and luxury models tend to have higher insurance premiums than economy cars, primarily because they are more attractive to thieves and more prone to accidents.

Amount of coverage you choose

Your chosen coverage amount directly impacts your premium. Opting for higher coverage increases your premium. Nevertheless, selecting adequate coverage to safeguard your financial well-being in case of an accident is crucial. Insurers prioritize these factors as they directly assess the level of risk.

What color cars are more expensive to insure—does it even matter?

While car color is generally not a major factor in determining insurance premiums, there are specific scenarios where it might have an influence.


For instance, a white car may be more visible on the road, potentially reducing the likelihood of accidents and, thus, insurance claims. However, it’s essential to note that the impact on premiums due to visibility is typically marginal compared to other factors like the make, model, and driver history.

Specific car colors

Insurance companies may charge higher premiums for specific car colors because they believe that these colors are more likely to be involved in accidents. A study by Monash University Accident Research Centre revealed higher accident rates for red, black, blue, and certain other colored cars compared to white vehicles.


Additionally, insurance companies may charge higher premiums for certain car colors because they are more popular and often more expensive to repair or replace.

Custom paint jobs

Specialty or custom paint jobs can influence insurance costs. Vehicles with unique, expensive, or rare paint jobs may incur higher premiums because of the additional cost associated with repairing or replacing these custom finishes in the event of damage.

Resale Value

Some car colors are more popular and retain their appeal over time, making those vehicles easier to sell at a higher price when upgrading or changing your car. Cars with higher resale values can be more expensive to insure because it would cost the insurer more in case of a significant claim.

By examining these exceptions and potential influences, you can better understand when and why car color might play a limited role in your insurance costs. This insight will help you make informed choices when selecting the color of your vehicle without undue concerns about its impact on your premiums.

Tips for lowering your car insurance premium

Bundle your policies

If you have other insurance policies, such as homeowners’ or renters’ insurance, you may get a discount by bundling them with your car insurance.

Take a defensive driving course

Some insurance companies offer discounts to drivers who complete a defensive driving course.

Drive safely

Driving safely and avoiding accidents and traffic violations is the best way to keep your insurance premiums low.


Regular maintenance and repairs minimize accident risk and lower insurance costs.


In conclusion, the color of your car generally has a minimal impact on insurance premiums. Factors like driving record, age, location, make and model of the car, and coverage amount carry more significant weight. However, specific scenarios, such as visibility, car color popularity, custom paint jobs, and resale value, can somewhat influence insurance costs. To ensure lower premiums, consider bundling policies, completing a defensive driving course, practicing safe driving, and maintaining your vehicle regularly.

Are you looking to learn more tips and tricks? Our Car Secrets page is full of insights.

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