* Car make and model: Luxury cars and high-performance vehicles are inherently more expensive to insure due to higher repair costs.
* Driver's record: Accidents, tickets, and age significantly impact premiums.
* Location: Insurance rates vary widely by geographic area due to factors like crime rates and the frequency of accidents.
* Coverage level: Comprehensive and collision coverage are more expensive than liability-only coverage.
* Deductible: A higher deductible leads to lower premiums.
While some studies have *suggested* a correlation between certain colors and higher repair costs (and thus potentially higher insurance), these are usually very small and inconsistent across different studies and insurance companies. The impact of color is dwarfed by the other factors listed above. Don't focus on color when trying to lower your car insurance costs.