Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Apr 23, 2019

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Auto insurance premiums can be very expensive based solely on the type of car you buy.

While your driving record, credit score and where live also play a big factor in the cost of auto insurance the type of vehicle is still a significant share of the formula used to calculate premiums no matter where you live.

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Some vehicles are cheaper to insurance than others. While you may think that the cost of auto insurance goes side by side with the cost of a vehicle this is actually incorrect.

There are many factors which influence the cost of auto insurance outside of just the price of the vehicle including vehicle safety ratings to even the color of the car.

What do auto insurance companies look for in a vehicle?

The number one thing auto insurance companies look at is the overall claims submitted by owners of a particular make and model. For example, if 20% of all policyholders insuring a Corvette submit a claim then auto insurance rates will be adjusted higher due to the predictable risk.

On the other hand, if only 1% of Corvette owners submit a claim you may see auto insurance companies lower the risk profile and adjust rates accordingly. Neither of these situations have to do with the price of the car.

More expensive cars can be cheaper to insure while high risk, moderately priced vehicles can sometimes have very high car insurance rates.

Vehicle Safety Awards

Auto insurance companies also pay a lot of attention to vehicle safety awards by reputable institutions like the Insurance Institute for Highway Safety and others.

Vehicles which have won Top Safety Pick and similar awards are often cheaper to insure than cars which did not pass or win such distinguished awards.

Vehicle Safety Features

Vehicle safety features are another factor in the cost of insurance.

While some of these features are standard, others are optional so without providing your VIN number and listing the options (such as antilock brakes, airbags, traction control etc.), it’s hard to say how much your vehicle benefits from these features. However usually the more factory installed safety features the cheaper your auto insurance rates.

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Theft Deterrent Devices

Every auto insurance company likes vehicles which have features built in to reduce the risk of auto theft. Not only are the claims for auto theft high but they also impose a lot of additional expense on an auto insurance company outside of just your monetary claim for a new car.

The Color of your Vehicle

The opinion on whether or not the color of your car is debated among many parties however ultimately if you have a vehicle classified as high risk for auto theft then the color of a car can make a difference in your premiums.

Red cars are generally liked by hoodlums more than pink ones and anytime an increase in risk is present than auto insurance companies will increase your rates.

Cost of Auto Repairs

Does your car have exotic parts? Are the prices of parts comparable to other similar vehicles? The cost of auto repairs can be expensive and if fixing the car door on your vehicle is $500 higher than a similarly priced model odds are you will pay more in this portion of the risk formula.

Auto insurance companies use many other factors when analyzing a vehicle including replacement cost, type of vehicle (SUV, sports car, etc…) so it’s important to never assume your auto insurance rates will be cheaper or more expensive based on just the purchase price.

In fact, the top 10 cars to insure in America are mostly Mini-Vans priced over $25,000 and there are a lot of cars priced much less with higher auto insurance rates.

The only way to find the true cost of auto insurance for your vehicle is to compare auto insurance quotes. Enter your Zip code above to find local auto insurance companies and compare quotes for new and used cars.

Use our FREE quote tool to compare insurance rates today!