Are white cars with higher insurance in the United States?

When people buy a car, they choose white cars over other colors. But does that mean that white cars have higher insurance premiums in the United States? Definitely not.

Usually, the insurance company does not even know the color of your car. But other features may affect your prices instead.

Does the color of the car affect your insurance premiums?

Not usually. When you buy a car, your insurance agent probably does not even know what color car you are driving.

“They do not ask. They do not know if it is silver, purple or red, “said David Miller, vice president of The Plexus Groupe, a social security agency in Illinois.

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What they will ask for is your vehicle ID (VIN). VIN can tell you a lot about a car, including model year, model, where it was manufactured, engine type and more. But that does not tell you the color. And if your insurance company does not know what color car you own, it does not cost more than black or blue to drive a white car – usually.

There is one exception though. If you have a custom paint job, whether it is white or another color, you will probably pay more for insurance if you want to cover the upgrade. Standard car insurance can help pay for repair costs, including paint, if necessary. But standard policy restrictions may not be high enough to cover custom paint jobs.

Custom accessories and equipment can provide additional protection for your paint job, but the insurance company will charge a surcharge for it.

What factors affect prices?

Although the color of your car does not usually affect your insurance premiums, many things will happen. Here are some factors that will affect the price you pay for insurance coverage.

  • The make and type of car you are driving. Cars that cost more to repair and are more likely to be stolen usually cost more to insure.
  • Driver’s age. Younger people tend to have more accidents, so they usually pay higher insurance premiums. Adolescents and young adults under the age of 25 usually pay more, according to information from Tryggingastofnun. Interest rates usually drop after you turn 25. For example, according to Savvy, the average price of GEICO car insurance for one woman between the ages of 18 and 24 is about $ 2,970. For single women between the ages of 25 and 39, the average cost is $ 2,188. Savvy immediately helps users shop the best insurance companies for indexation.
  • How long have you been driving. More experienced drivers usually have fewer accidents than less experienced drivers. So, if you just got your license, you will probably pay a higher rate than someone with more driving experience.
  • Where you live. Insurers charge more in areas where accidents occur more often and those with more car theft.
  • Your driving history. Safer drivers control lower prices. If your driving record does not include speeding, accidents or other violations of movement, you will probably pay less than someone who is affected by these factors.
  • Relationship status. Married people usually pay less for car insurance than single people. But that does not mean you should run out and get married just to save your car insurance.
  • Discussion types. Almost every state requires drivers to have a minimum responsibility for driving legally. Some states also have other insurance claims. But many loose packages are optional. The types of coverage you choose to have with your policy will affect your premium. The more you choose, the higher your insurance premium will cost.

Ways to lower your insurance costs

If you are looking for ways to pay less for insurance, it will not matter to drive a blue car instead of a white one. But there are ways to lower the premium.

  • Drive less. Your price can be calculated in part based on how many miles you drive. Statistically, the more you drive, the more likely you are to have an accident. If you reduce the mileage you drive, you may be entitled to a lower premium. Some insurers even have programs that are specifically designed for low-mileage drivers.
  • Maintain a good credit rating. According to TryggingarupplĂ˝singastofan, drivers with a lower credit rating are more likely to file a claim than drivers with a higher rating. As a result, people with higher scores are usually entitled to lower rates.
  • Look for discounts. Insurance companies offer a variety of car insurance discounts. Make sure your insurer uses all the discounts to which you are entitled. If you are not sure, ask.
  • Pay only for the coverage you need. You do not want to reduce coverage just to be stuck with expenses you can not afford. But you also do not want to pay for coverage that you do not need. Choose enough coverage so that you are adequately protected without being too insured.

Before you buy a car, find out all the cost of vehicle ownership, including insurance fees, maintenance costs and depreciation using our tool.