How Much Does It Cost To Change The Color Of Your Car

Toddler in toy car Will a ruby-red motorcar cost you more to insure? Absolutely not.

That doesn't keep people from believing it, though. According to an Insure.com survey, 46% of 2,000 licensed drivers believed that red cars are more expensive to insure because they're pulled over more often.

Notwithstanding they're doubly mistaken.

Not only does colour have nothing to exercise with car insurance rates, a item model'due south take chances isn't determined by the number of tickets its owners receive.

KEY TAKEAWAYS

Car insurance rates have goose egg to practise with the color of the car because it does not touch on how risky is the car model.
Insurance companies are concerned about claims. A motorcar with many claims or a tape volition exist more than expensive to insure.
Insurer takes into business relationship your driving tape to calculate your car insurance rates and decide if y'all are a high risk driver.
The only way you lot can be charged more for car insurance premium is if your car has a custom pigment job.

Red, bluish, silver: It makes no deviation

Your insurer could not care less about your car'due south color.

"The colour of your vehicle is non even a question on the insurance application, and it is a not-factor," says Kristofer Kirchen, president of Avant-garde Insurance Managers.

Instead, insurers enquire for your vehicle identification number (VIN) number during the underwriting process. Vehicle color isn't a component of the VIN code. A VIN tin can tell you quite a bit about a vehicle, including where it was built, its trim level and even warranty details, only information technology cannot tell you or your insurer the color of your ride.

Then leave and buy that Ferrari-red sports car. Your insurer will non care, equally long equally it is not an actual Ferrari.

Tickets don't matter? Yes and no

Tickets affair when an insurance company looks at your driving record to calculate your individual rates and decide whether you are a high-risk driver.

A single speeding ticket can enhance your rates past at least 22%, according to data gathered from six major carriers for Insurance.com by Quadrant Information Services. 2 tickets -- 43% on average.

Then, yes, tickets impact rates, but only for the driver who got them.

Insurance companies care far more most claims, which directly affect their bottom line. A car with many claims or a record of more expensive claims will be more plush to insure – for everyone who buys that model of car.

Whether cherry-red cars are more frequently pulled over is harder to pin down. Constabulary enforcement officers say information technology's simply not an issue, and certainly a radar gun or speed camera doesn't know the departure betwixt abort-me ruddy and rental-sedan white.

Color does affair: The exceptions

The only manner paint can be a factor in your insurance rates is if you take a custom paint chore, but even that shouldn't add a ton to your premium.

"Custom pigment could increment your rates," says Kirchen. "It could be considered under additional custom parts and equipment, merely at that place would only be a nominal fee charged for it."

And while it won't directly cut your rates, your auto's color may make information technology less likely to be stolen. In that case, a red auto might exist an advantage.

Co-ordinate to a 2022 report by CCC Data Services, red doesn't even register in the top five vehicle colors that are nigh frequently involved in thefts. Machine thieves adopt green, gilt, black and white cars, and their No. 1 selection is argent.

Cars that are oftentimes stolen volition too cost more than for comprehensive coverage.

Then who cares well-nigh color? You do

Insurance.com surveyed 1,000 men and women, all married, licensed drivers over the historic period of 25, asking them well-nigh their car'southward color and why they chose that color. The top colors were:

Black: 19.5%
Silver: 18.5%
White: 16.2%
Blue: 12.5%
Red: viii.five%

The reasons drivers chose their particular color: