Does the Color of Your Car Affect Insurance Rates?

When determining auto insurance premiums, companies look at a range of factors. These include the make and model of the vehicle, its age, safety features, engine size and how often it’s driven. They also consider the driver’s history, including past claims, traffic violations and credit-based insurance scores in some states. Where the car is garaged, how it’s used and who drives it are also part of the equation.

Color does not statistically correlate with risk in a way that would justify its inclusion in pricing models. A red sports car might be more noticeable on the road, but insurers care about the “sports car” part, not the color.

The confusion may stem from the fact that certain colors are more commonly associated with specific types of vehicles. Bright colors like red, yellow or orange are often found on performance cars, which may be driven more aggressively or have higher repair costs. In those cases, the vehicle’s characteristics, not the paint job, influence the rate.

The Role of Perception and Behavior

While color doesn’t directly affect premiums, it can influence perception. Some drivers believe brightly colored cars attract more attention from law enforcement or are more likely to be involved in accidents. These beliefs can shape how people drive or think others perceive them on the road.

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Contact Esquire Insurance Services of Georgia to compare auto insurance quotes.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.