No, Red Cars Don’t Cost More To Insure

No, Red Cars Don’t Cost More To Insure

We’ve probably all heard this one at some point: if you have a red car, you’ll pay more for car insurance. Sure, certain cars are more expensive to insure, but colour has nothing to do with it.

Photo by Larry & Teddy Page.

Personally, I’ve heard this several times throughout my life, and the reasoning has varied from “red cars get pulled over more often” to “red cars are more likely to be involved in accidents.” As points out, this is all bull.

That doesn’t keep people from believing it, though. According to an survey done last year, 46 per cent of 2,000 licensed drivers believed that red cars are more expensive to insure because they are pulled over more often.

Yet they’re doubly mistaken.

Not only does colour have nothing to do with car insurance rates, a particular model’s risk isn’t determined by the number of tickets its owners receive.

As one expert in the piece pointed out, you’re not even asked the colour of your car when you fill out an insurance quote. And while carriers do ask for your VIN, the colour of your car is not a factor in that code.

They have additional info at the link below.

Do red cars cost more to insure? []


  • Just one correction – while the VIN doesn’t include the colour the NEVDIS registry does, and all you need to search NEVDIS is, yup, the VIN.

  • I have owned red cars (2) for my entire driving life and have never been pulled over by the cops, not including breathalysers ofcourse.

    Also, red cars don’t go faster.

  • They sure as hell get cut off more often by other drivers. I have a new red Mazda 6 and it’s far worse than my previous car which was black.

    I put it down to being more visible, so others take more chances, while he black car was harder to see and estimate the position on the road

  • I think it is absurd that some people actually think colors affect the insurance coverage you need to fork out for. It is simply unreasonable and does not make any sense to begin with to even be made into an assumption.

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