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Does car color make a difference with car insurance rates?
I just purchased a red Toyota RAV4. My premiums went up from when I had a silver vehicle. I know a lot of factors go into car insurance rates, but does color make a difference?
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“While you’re right that many different factors go into determining rates for
car insurance
, you can rest easy that color is not one of them. It’s a myth that red is the most dangerous or
expensive color to insure
. While color does not determine your rates, other traits of your vehicle do affect rates, like:- Make
- model
- Age of your vehicle
If your rates increased after adding your new car, it’s likely because people with your type of vehicle may be getting into more accidents or submitting more claims. A new vehicle also always costs more to insure than an older one due to its actual cash value. It will cost an insurance company more to replace your new car versus your old one.
Since your premium increased, shop around. You can find a lower rate for your new car with another company.
If you’d rather leave the hard work of gathering quotes to someone else, use
Jerry
. Jerry collects quotes from up to 50 top insurance companies and delivers the best deals to your phone in minutes for free.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
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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