08/14/2026
Does the color of my car really affect my insurance?
ANSWER:
Possibly
Sorry to disappoint all the red car owners who have been blaming their insurance bill on their paint color.
The truth is, insurance companies don't care if your car is red, black, white, blue, or lime green. In fact, most insurers don't even ask what color your car is. They identify it by the VIN, which includes details like the make, model, engine, and trim level, INCLUDING the paint color.
So what does affect your rate?
Your driving record
The make and model of your vehicle
How expensive it is to repair
Where you live
How much you drive
Your age and driving experience
The coverages and deductibles you choose
So where did the myth come from?
Probably because a lot of sports cars are red, and sports cars do tend to cost more to insure. But it's because of their performance, repair costs, and claim history, not because they're red.