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Do insurance companies consider white cars safer?
I'm buying a car and have to decide on a color. Do insurance companies consider white cars safer? I've heard that they can be less prone to accidents, so would I get a better rate on a white car?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“That’s a great question—and a common myth! When
car insurance companies
look at rates, they don’t consider car color. White cars can be more visible, which can sometimes make them less likely to be hit. However, the color of your car is not likely to influence your likelihood for accidents or your insurance rate.
Some factors that do influence your car insurance rates include:
- Your age
- The type of car you drive
- Your location
- Your credit history
- Your driving record
If you have a poor driving record or have been in several accidents, you’re likely to have a higher rate, even if you drive a white car. Similarly, if you have a clean record and drive a black car, you could still have a low rate.
If you’d like confirmation of your rates, you can ask your dealership for the vehicle identification numbers (VINs) for two different colors of the car you’ll be buying. You can request
car insurance quotes
from various companies to see if there is a difference in rates. One of the easiest ways to do this is through the
Jerry
app. We’ll get you quotes from multiple providers so you can make sure you’re getting the best deal on the insurance you need, no matter which color of vehicle you choose to buy.Happy shopping—and feel free to get whatever color you like!”
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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