It will depend upon the rating system of your insurer however in general sun roofs and moon roofs do not affect auto insurance rates.

Insurance companies do have differ rating systems for cars, options on vehicles, car classifications, etc so to find out if a specific insurance carrier would cause you to have higher rates due to your car having a moon roof as the agent of the insurance provider.

While your vehicle is one factor that is taken into account by an insurance carrier other factors that most car insurers do take in account include:

• Your age
• Marital Status
• Gender
• Accident claims
• Geography
• Driving violations
• Credit rating
• Occupation

Other factors that may also go into determining premiums are:

• Years of driving experience
• Miles driven per year
• Distance to work
• Business use of the vehicle

To get an affordable auto insurance quote for your vehicle with a moon roof.