Does The Color of Your Car Affect Your Insurance Premiums??


Whether it’s just an old wives tale or a common misconception, the truth of the matter is that the color of your car does not affect your insurance premiums – period! Don’t believe it? When you shop for insurance with us, at no point will we ask you for the color of your car.

What this all comes down to is that when you submit your vehicle identification number (VIN) to us when we quote our programs for you, that gives us the access to the make, model, and year of your car, but not the color. While all plans have different costs and levels of coverage, none of this has to do with the color of your vehicle.

The make and model of your car determines your rate

Now that we’ve determined that your car’s color won’t make a difference to your premiums, let’s discover what does affect the cost.

The make and model of your car play the biggest factors in determining your insurance premium rate. Your old pickup truck that you’ve had for decades isn’t going to cost you as much as a new Mustang would. If you want to keep your premiums low, you need to factor the type of car you buy into the equation.

Your driving habits matter

One of the biggest influences on your insurance premium rates is your driving habits. If you’ve ever been in an accident, you can expect your premiums to be considerably higher. Similarly, if you’ve ever been convicted for driving under the influence, you can expect your insurance company to consider you more of a risk than other drivers. If you want to keep your premiums low, take care when you drive.

Insurance premiums reduce as you get older

If you’re a new driver or have children who are, you might have balked at the quoted cost of your insurance premiums. Unfortunately, given the lack of driving experience, this is something you’re going to have to deal with for a few years. Most insurance plans have a higher cost for those under the age of 25, and in order to prove how good a driver they are, you really need to avoid any accidents. Never be tempted to drink and drive plus pay extra caution on the road. After a while, you’ll see your premiums fall.

Buying a new car is an exciting experience. However, seeing the insurance quotes can often bring you back down to earth. It’s best to let us shop our portfolio of companies for you so we can find the best rate and coverage’s that matches what you bring to the table pertaining to types of cars, driver, driving history and experience. That’s what we do every day and we’re saving our customers a lot of money when we do it.

Contact Us

We pay attention to these things because our staff collectively has more than 50 years’ experience serving folks with auto insurance as well as many other types of insurance protection. Let us help you! Feel free to EMAIL us at or TEXT or CALL us at 615.377.1212. We’re always here and ready to earn your business!

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