While some older studies *suggested* a correlation between certain colors and accident rates, these are largely unreliable and not consistently replicated. More recent data shows no significant link between car color and insurance premiums. The factors that *do* affect your rates include:
* Your driving record: This is the biggest factor.
* Your age and gender: Younger drivers and males generally pay more.
* Your location: Rates vary by region due to things like crime rates and accident frequency.
* The type of car: Expensive cars, sports cars, and cars with a history of theft or accidents tend to have higher premiums.
* Your coverage level: More comprehensive coverage means higher premiums.
In short, focus on safe driving and choosing a car that's appropriate for your needs rather than worrying about the color.
