One of the most persistent insurance myths is that red cars cost more to insure. They do not. Color is not a rating factor.
What insurers actually use
When you get a quote, the insurer asks for the year, make, model, and VIN, never the color. Your premium is based on:
- The car's value and repair cost
- Its safety and theft ratings
- Your driving record, age, and location
- How much you drive
Where the myth comes from
Red is associated with sporty cars, and sporty cars can cost more to insure, but it is the car type and engine, not the paint.
The practical takeaway
Choose whatever color you like. If you want to manage your premium, focus on what matters: the model you buy, your coverage choices, your deductible, and shopping around for the best rate.