Does The Colour Of Your Car Affect Your Insurance Premium?

It was Henry Ford who said famously in 1909, “Any customer can have a car painted any colour that he wants, so long as it is black.” However, we are sure he would be surprised to know that today the most common vehicle colour on the road is white. Reports suggest that about 45% of cars in SA are white, with silver being a close second at 25%. But does the colour of your car affect your insurance premium? According to insurance providers, there is no direct correlation but there are a few factors to be considered. 

Gumtree gives you the scoop.


  1. It is important to remember that colour affects the value of the car and not insurance premium directly.
  2. Insurance companies conduct colour risk assessments based on visibility and it was found that lighter coloured cars were more visible on the roads.
  3. Metallic or pearl shades could have higher insurance premiums as they are more difficult to repair or replace. This is also the case for custom paint jobs.
  4. If your car is a colour that is less likely to be stolen, your insurance premium will be lower. In South Africa, red, brown, orange and green vehicles are said to be at a lower risk for theft.
  5. The colour red is considered ‘speedy’ so these drivers may be stopped for speeding tickets, which may affect the premium.
  6. In South Africa, reports suggest that darker coloured cars are more likely to be in an accident due to visibility thereby, getting charged a higher premium.


Now that you’ve got the knowledge, it’s time to shop! Head to or your Gumtree app (click for Apple & Android) and don’t forget to use your location settings to find car and bakkie information close to home.


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