06/08/2026
It's one of the most common insurance myths, but insurance companies don't ask whether your car is red, blue, black, or white when calculating your rate. In fact, vehicle color isn't considered when determining insurance costs.
So what does affect your premium?
✅ Vehicle Make & Model – Some vehicles cost more to repair or replace than others.
✅ Safety Features – Cars equipped with advanced safety technology may qualify for lower rates.
✅ Driving History – Tickets, accidents, and claims can influence your premium.
✅ Location – Where you live and park your vehicle matters. Areas with higher accident or theft rates often have higher premiums.
✅ Annual Mileage – The more you drive, the greater your exposure to potential accidents.
✅ Coverage Selections – Your deductible, liability limits, and optional coverages all affect your overall cost.
The idea that red cars cost more to insure likely comes from the perception that red vehicles are driven more aggressively. However, insurance companies base rates on actual data, not assumptions about color.
