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Do two-door cars cost more to insure?

Here's what you need to know...
  • Generally speaking two-door cars cost more to insure.
  • There are many variables that go into your car isurance costs.
  • There are several things you can do to keep your insurance rates down.

The short answer to this question is that most two-door cars are more expensive to insure than most four-door cars. While that seems like a simple answer, this issue is actually more complex and one you will want to consider if you are in the market for a new vehicle.

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Car insurance companies use statistics as their baseline for insurance rates on different car makes and models.

Since two-door cars are viewed as typically more sporty and driven by higher risk drivers, they generally have higher baseline rates.  There are some variables to consider, though:

  • Vehicle characteristics
  • Driver characteristics
  • Sportiness of the individual vehicle

Saying that every two-door car costs more to insure than every four-door car would be inaccurate.

Why do two-door cars typically have more expensive car insurance than four-door models?

A modern sports car parked at the beach.

Two-door cars are typically more expensive to insure because they tend to be sports cars, which are viewed by insurance companies as more likely to be in an accident or stolen.

Two-door cars are statistically most often driven by young, single male drivers who take more risks on the road.

This is compared to four-door sedans which are more often driven by older, more conservative individuals with families.

There are some two-door models, however, that would not be viewed as sporty in comparison to certain four-door models. An example of this would be to compare a Mercedes Benz with four doors to a Chevy Cavalier with two doors.

In this case, the Mercedes would cost much more to insure than the smaller, two-door Chevy because it would be viewed as a riskier vehicle. Several other factors including many driver characteristics and individual vehicle features also impact the cost of car insurance.

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What other vehicle characteristics will impact the cost to insure your car beside whether it has two or four doors?

There are several features about a car that impact the cost to insure it beyond the number of doors it has:

  • Horsepower –  A car with a V4 engine will be seen as safer because it typically travels at a slower speed than a car with a V6 or V8 engine.
  • Safety features – These features may cost more upfront, but may save you money in the long run when you consider insurance discounts. Theses safety features include:
    • Side-impact airbags
    • Electronic stability control
    • Anti-theft devices
    • Back-up cameras
    • Anti-lock brakes
  • Car age – An older two-door car may cost less to insure than a brand new four-door car because it is worth less money to begin with.

What driver characteristics will impact the cost to insure your car?

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There are several driver characteristics that greatly impact the cost of car insurance.

Most importantly, your driving record will have a larger impact on insurance premiums than the fact that your car has two doors or four doors.

Driver characteristics include:

  • Driving record – For obvious reasons, people with better records will receive a lower rate for car insurance.
  • Credit score – Those people with better credit scores are viewed as more responsible by insurance companies.
  • Age – Younger drivers are seen as being more risky to insure.
  • Occupation – Certain occupations are viewed as being carried out by more or less responsible people.
  • Gender – Males are viewed as riskier by insurance companies.
  • Where you live – If you live in a city and park on the street your insurance rate will often be higher than someone living in a suburb with a garage attached to their house. Certain areas of the country also have statistically higher accident percentages than other parts which causes a raise in insurance rates for those locations.
  • Marital status – Individuals who are married with a family are viewed as typically being more conservative drivers.
  • Typical driving distance – The further you live from your job and the more time you spend in your car annually impact your insurance rate because you have a greater chance for an accident to occur.
  • Insurance bundling – If you combine all of your insurance types (car, home, life, etc.) and get them from the same company you will pay less.

Now that you know more about car insurance for two- versus four-door vehicles, get started comparing online rates today. Just click here and enter you ZIP code for a list of car insurance quotes from several major companies.

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