CompareGuru | Compare Insurance Quotes OnlineCompare Insurance, Car Insurance Quotes, Funeral Cover Quotes, Life Insurance Quotes, MotorVAPS Quotes, Budget Insurance, Insurance Quotes, CompareGuru, South Africa.
Car and Household
Commercial Insurance
Pet Insurance
Car Insurance
Cover your vehicle
More Information
Get Quote
Home Insurance
Cover your home and everything in it
More Information
Get Quote
Commercial Vehicle Insurance
Protect vehicles and drivers used in the day-to-day operation of your business against risks like financial loss, damage or personal injury.
More Information
Get Quote
Commercial Insurance
Provide cover against common risks and disruptions to business operations, such as theft, damage to property, employee / client injury and much more.
More Information
Get Quote
Directors and Officers Liability
Safeguard your business and key players from financial loss with the right policy.
More Information
Get Quote
Errors and Omissions Liability
Covers your business and employees against claims of negligence, poor workmanship, and more.
More Information
Get Quote
Protect your family financially and cover funeral expenses
More Information
Get Quote
Gap Cover
Cover yourself for unexpected medical costs
More Information
Get Quote
Health Insurance
Protect your family with affordable basic medical cover
More Information
Get Quote
Pet Insurance
Protect the whole family including your fur babies.
More Information
Get Quote
Apply For A Will
Get a Will drafted and cover the costs of dying.
More Information
Start Application
About Us
Life Insurance Quote
Car Insurance Quote
Funeral Insurance Quote
Gap Cover Quote
Health Insurance Quote
Pet Insurance Quote
Extended Warranty Quote
Pre-Owned Warranty Quote
Scratch and Dent Quote
Tyre And Rim Quote
Apply For a Will
News Room
Meet The Team
Car Insurance
Building Insurance
Household Contents Insurance
Life Insurance
Disability Insurance
Serious Illness Insurance
All Risk Insurance
Funeral Insurance
Gap Cover
Health Insurance
MotorVAPS Cover
Commercial Insurance
Commercial Vehicle Insurance
Directors and Officers Liability Insurance
Errors and Omissions Liability Insurance
Contact Us
Terms of Service
Privacy Policy
Client Letter
CIM Policy
Complaint Escalation
TCF Form

News Room

Could The Colour Of Your Car Influence Your Premium?

Are red cars more expensive to insure? Are white cars safer, and therefore cheaper? Does the colour of your car influence the price of your monthly insurance premium at all? We separate fact from fiction once and for all.

Does the colour of your car affect your insurance premium? It may sound ridiculous, that something so small could have such an impact. Adding to that, there are a lot of myths going around. So, we’re going to set the record straight once and for all. 

Insurance companies take a great amount of factors into account when calculating the risk of insuring you or your belongings. These factors will all determine your monthly premium rates. For instance, when it comes to life insurance, if you’re a smoker who never exercises, it stands to reason that you would be a higher risk when taking out life insurance. With car insurance, insurers will look at the type of car, the age of the driver, the marital status of the driver, where the car is parked and so on and so forth. 

There are many factors to consider, and they all make sense in their own way. Broadly speaking, colours such as black and red are seen as higher risk vehicles. White or green, on the other hand, are low risk. You may have heard somebody say that white vehicles are safer because they’re easier to see at night. These are all things to take into account.

So, how do we separate fact from fiction? 

No Matter The Colour: The Heavy-Duty Value Of Scratch And Dent Insurance

How Does The Colour Of Your Car Influence Your Premium?

Here are the top three factors to take into account when it comes to the colour of your car, and why your premium may suffer.

  • Visibility;
  • Predisposition Toward Road Rage;
  • Risk Of Hijacking.

Obviously, lighter and brighter coloured cars are more visible. They stand out, and they’re easier to spot in low light. 

Personality traits are also reflected in the colour of the car that you drive. Many people, of course, take any colour they can get when buying second hand. But there’s a lot to be said about the colour you choose, should you have the chance. Drivers who choose red, for instance, may be inclined to drive faster than others. They’re often seen as a little more reckless. They’re passionate drivers. While white, on the other hand, may indicate a higher level of risk aversion. It may come as a surprise then, to many South African motorists who brave the chaotic highways every day, that white is the most popular colour among cars in the country. 

According to Lightstone Auto, around 42.5% of the cars sold in South Africa are white. Silver and grey come in 2nd and 3rd place, with 20.2% and 10.4% of sales, respectively. 

Black, surprisingly, seemed to be one of the least favourites. Only 1.0%. 

Only psychopaths buy pink or purple cars.  

Fact Or Fiction?

Many insurance companies, such as Discovery or Santam, have gone on record in the past to say that the colour of the car is not a factor. These insurers prefer to look at the likelihood of you claiming, and should you claim, how much will the reparation cost? So, the main thing these insurers will look at is your driving behaviour. What you do behind the wheel, how you drive, is what really determines your level of risk. Of course, insurers have no way of knowing how you drive before they insure you. So a number of other factors are taken into account as well. Such as:

  • Your age;
  • Past claims experience;
  • How many traffic offences you’ve committed;
  • If you’re married or have any children;
  • The distance you drive every day;
  • The crime rate of the area you live in;
  • The actual model, age and value of your vehicle.

The greatest factor here, colour wise, is the type of paint used. Metallic paint, for instance, is far more expensive. Flat colours, such as white, are the cheapest to replace. This is the only factor which could influence your premium. 

So, we can safely say that this myth is busted. The colour of your car does not influence your insurance premium. 

It’s also safe to assume that this myth started for the simple reason that sports cars are driven faster than others, are therefore at a higher risk of crashing, and most people tend to want them in that gorgeous, blistering candy apple red.  

Car Insurance Quotes

CompareGuru knows what's good. You'll never need another insurance comparison tool again!

Sign up to our newsletter to stay up-to-date on our latest tips on how to get the best out of your insurance, what insurance really means, and how to avoid any pit falls along the way.

CompareGuru has you covered.