Do Red Cars Really Cost More to Insure?

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The myth is just that--a myth. Red cars cost no more to insure than cars with other colors. Insurers have no infrastructure to rate cars based on their color, but they do for many other factors.

Do Red Cars Have Higher Auto Insurance?

No, red cars, blue cars, and every other color are given the same auto insurance rates. Auto insurance companies have many factors they use to rate drivers based on the amount of risk they pose, and color is not one of them. When you go for a quote, whether through GEICO, Progressive, Allstate, etc., they will never ask you for your car's color. We've reviewed rating manuals that auto insurance companies use to calculate how much premiums they charge, and there are no rules for the color of a car in the quoting process. There is no way for your company to know what is the color of your vehicle. If you put your zip code in the box above, you can start a quote and see for yourself.

It's possible the myth has developed from another motorist myth that red cars get ticketed more often than other cars. There haven't been any conclusive studies that show red cars are pulled over more--it too is likely a myth. If it were true though, drivers who have more speeding tickets and other violations end up paying more for insurance, thus their "red car" would be more expensive to insure. Overall, we found violations can increase auto insurance rates by upwards of 33%.

What Factors Affect Auto Insurance Rates

So feel free to buy, lease, or finance a red car, or give your current car a new coat of red paint. There are other factors you can worry about (and some you can't control), that determine your auto insurance quotes. Below we go over a few of these factors in detail.

Car Type

The model of your car will have more of an impact on your insurance than whether it's bright green or pink. As we found in this study of the cheapest cars to insure, your vehicle can affect rates by several hundred dollars. SUVS and luxury cars tend to cost more to insure, but its not a steadfast rule. More common cars like a Honda Accord tend to cost more to insure--and it may have something to do with its high theft rate.

Age and Gender

Your age affects your auto insurance rates as well. Drivers under 25 can pay thousands more for the same coverage as a driver over the age of 30. In the eyes of the insurer young drivers are more prone for risk taking, thus getting into an accident. Gender also has an impact on your rates. We found males can pay upwards of 30% more than females in some states and cases.

Marital Status

Tying that knot also changes the premium your car insurance company charges you. Married drivers are considered more responsible by the insurance companies, thus less likely to crash. Both spouses generally need to have good driving records to see premiums go down. If one spouse has a lot of accidents or incidents, the combined insurance will end up being much more expensive.


A controversial but true rating factor is occupation. Auto insurance companies tend to view and treat drivers in professional occupations better than they do for less skilled ones--at least as we found in this Chicago study. Neighborhoods with a higher percentage of less skilled workers tended to pay around 11% more than neighborhoods with more skilled professionals. Some states like California do not allow the practice of asking for occupation while others like New York have introduced legislation to stop it as well.

Where You Live

The zip code you reside in has a bigger influence on your rates than your car's paint job. Even within large cities like Los Angeles, rates can fluctuate by several hundred dollars based on where in the city you live. In a state like Florida, rates can differ by over $2,000 per year in certain parts. You aren't likely to move just to lower your auto insurance rates, but be wary that certain areas can end up costing you a lot more to insure your car. Cities prone to auto theft, floods, and other disasters will be more expensive for car insurance.

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