Can the color of your car impact your insurance rates?

Is this true that car colors can give you a higher or lower insurance rate? I heard having a red car can make your insurance higher than a car of a different color.

Answer
“While this is a popular belief, the color of your car will not impact your car insurance rates.
To determine a rate for a vehicle, car insurance carriers look at the vehicle identification number (VIN). This number tells insurance carriers what type of vehicle you have as well its history. The VIN does not specify color nor do insurance carriers ask for it on an application.
If you drive a sports car, it’s almost always going to be more to insure than a sedan. This is because sports cars are associated with higher risk activity, like speeding. It won’t matter what color the car is as carriers are only looking at the risk of owning it.
If you’re looking for cheap car insurance, you should look at a variety of vehicles and car insurance carriers. Shopping around will ensure you get the best rate.”
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Emily Maracle
Answered on Jul 07, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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