Most expensive car paints to insure

The colour and type of paint you choose for your car can impact how much you will need to pay every month on your insurance premiums.

In terms of paint types, premium finishes like matte, pearl, and metallic will add a slight bump to your insurance because of their higher cost compared to more basic coats.

As for the colours, darker appearances will see a larger premium over lighter ones because they make it harder to see the car at night, which could lead to accidents.

Other exterior modifications, such as wrapping the car, are also likely to impact your premiums.

This is according to Anneli Retief, the head of product at DialDirect, who spoke to BusinessTech and revealed which paint jobs will have an adverse effect on your monthly expenses,

Risk factor

Retief explained that a vehicle’s appearance can impact its risk profile, which in turn affects how its monthly premiums are calculated.

The reason for this is that different paint types and colours can influence the cost of repairs and replacements, as well as reduce the car’s visibility at certain times of the day.

The good news, though, is that paint is a minor factor in insurance, relative to far more important criteria such as where it’s stored at night, who the driver is, and what their claims history is like.

“It’s worthwhile noting that the costs associated with repairing and replacing car parts play a far more significant role in determining the premium price and that, in fact, most of your insurance premium goes towards covering the car against accident damage and paying for damages caused to other persons’ car and property,” said Retief.

It’s worth mentioning that there are other costs associated with your car’s colour that go beyond insurance, too, starting with the fact that the majority of cars around the world are now produced in white by default, with different appearances usually being kept as a paid-for extra.

If you do opt for a set of wheels with a creative paint scheme, note that it can also hurt the resale value, as it’s harder to find customers with tastes similar to yours, while monochrome styles like black, white, and silver are a safe bet for most consumers.