Does Car Color Affect the Cost of Insurance?

How the Color in a Car Might Affect the Value of the Cost in San Diego, CA

Though it is unclear where the myth originated, the color of your car does not typically impact how your National City car insurance rate is calculated. However, many vehicle owners still believe this claim, which means it deserves deeper exploration and explanation.

There have been many studies conducted on how color affects perception, mood, and a variety of other factors, but there is actually very little science to support whether or not certain car colors lead to more accidents. As a result, it would make little sense for insurers to take car color into consideration when assigning insurance rates.

Very rarely will you be asked to specify the color of your car when you are going through the application process to insure it. Although you will be asked to supply the VIN (vehicle identification number) of your car, vehicle color cannot be derived from a VIN.

Arguably the most common misconception that abounds about car color and insurance rates is that red cars cost more to insure than other car colors. The idea is that red is a bright and flashy color, and thus distracts surrounding drivers. Of the few studies conducted on the subject, the opposite has actually proven to be true. Less bright colors such as black or gray are statistically more likely to be involved in car accidents.

There is only one exception to car color not having an impact on cheap National City auto insurance rates, and that is if your car has a custom paint job. Some agencies tack on extra fees for having a custom paint job because it would fall under the umbrella of modifications made to the vehicle, which is something that may raise your rates, though usually negligibly.

Though the color of your car may not factor highly into the cost of your insurance, there are plenty of other things that do. Learn about the factors that affect auto insurance costs by reaching out to American Tri-Star. We aren’t just the leading provider of auto insurance in National City, we also provide cheap National City motorcycle insurance as well as home, commercial, health, and bond insurance. Call 619-474-3900 today to speak with one of our trusted agents.