Do two-door cars cost more to insure?

On average, two-door car insurance rates are higher because they are coupes that tend to be driven by high-risk drivers. However, driver history and location greatly impact two-door car insurance rates. Find the best two-door auto insurance quotes online now!

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Apr 14, 2022

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Here's what you need to know...

  • Generally speaking, two-door cars cost more for car insurance.
  • There are many variables that go into your two-door car insurance costs.
  • There are several things you can do to keep your two-door coupe auto insurance rates low.

Are two-seater cars cheaper to insure? You may think so, but typically they are not.

On average, two-door car insurance rates are higher because they are coupes that tend to be driven by high-risk drivers. Driver history and location greatly impact two-door car insurance rates and can lead to a hefty premium. But you can still find cheap car insurance rates for a two-seater vehicle.

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. Coupes can be more expensive to insure. However, it may be ideal to shop around to find the best coupe car insurance rates.

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 stylish sports cars and driven by higher-risk drivers, they generally have higher baseline rates. Body styles and the cost to repair both cosmetic damages, as well as the expense of repairing a more powerful engine will have an effect on premium considerations. 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?

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. Cars with turbocharged engines are often common targets.

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 a 4-door vehicle. An example of this would be to compare a Mercedes Benz C 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 standard features also impact the cost of car insurance.

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What other vehicle characteristics impact the cost of car insurance?

Are new cars more expensive to insure than older models? Does having airbags lower the cost of car insurance?

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. These 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 impact the cost of car insurance?

There are several driver characteristics that greatly impact the cost of sports 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 riskier 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 rise 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 during your daily drive. 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.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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