Difference in Car Insurance Cost between Two Door and Four Door Cars

Do two door cars or four door cars have more expensive car insurance?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.

While two door cars often do cost more to insure, there is a lot of variability within this generalization. Several other criteria such as vehicle characteristics and driver characteristics must be taken into account.

Additionally, there are some four door vehicles that are much sportier than certain two door vehicles; so 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?

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.

What other vehicle characteristics will impact the cost to insure your car besides 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:

  • what's more expensive to insure: two or four door cars?First, the engine horsepower will have a significant impact. 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.
  • Second, the safety features a car possesses also play a major role when insurance companies determine the cost to insure a vehicle. You will want to do your homework before heading out to the dealer because, while some of these features cost more to add on, they will cost you less in the long term when you factor in insurance costs. Safety features such as side impact air bags, electronic stability control, anti-theft devices, back up cameras, and anti-lock brakes all may lower your insurance rate.
  • Third, the age of the car will impact what you pay for car insurance. 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?

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

Some of these, most importantly driving record, will have a larger impact 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.
number of car doors affect auto insurance

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