Best car insurance for coupes

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Whether you favor something sportier, such as the Ford Mustang, or a more economical choice like the Honda Civic, a coupe usually refers to a two-door model with a low and steep roofline. There are a variety of cars that fit into this definition, which means coupe insurance premiums are as varied as the models themselves. A car’s make and model are two factors that directly impact how much your insurance premiums cost, and coupes are no exception. Sportier options tend to be more expensive to insure than the more economical and practical coupes. But with comparison shopping and a little bit of homework, you can find the best car insurance for coupes to fit both your driving needs and budget.

Car insurance for coupes: by model

The national average for car insurance premiums is $565 annually for minimum coverage and $1,647 annually for full coverage. Your vehicle’s make is one of many factors used for rates, which is why coupe insurance may be priced differently than insurance for a sports car or truck. Similarly, numerous factors influence the cost of certain vehicle types, including replacement parts and safety ratings. The table below provides a snapshot of the average cost of car insurance for coupes, based on popular models.

Coupe car insurance by make and model Average annual minimum coverage premium Average annual full coverage premium
Dodge Challenger $535 $2,074
Honda Civic $514 $1,741
Mercedes E-Class $509 $2,553
Mercedes C-Class $500 $2,255
Volkswagen Beetle $473 $1,684
Audi A5 $464 $2,353
Chevrolet Corvette $444 $2,220
Chevrolet Camaro $501 $1,916
BMW 440i $490 $2,546
Ford Mustang $494 $2,188

Best car insurance for coupes

Often, the best car insurance company for coupes is based on competitive rates and the availability of coverage options, customer service ratings, and access to digital assets like a mobile app. We reviewed several carriers and found a handful stand out because of the strength in all of these areas, plus others.

  • USAA – USAA offers a number of advantages for drivers of coupes, including a full range of coverage options and competitive rates. You may meet the eligibility requirements for purchasing insurance products if you are a current or former member of the military, or an immediate family member of a service member. USAA also offers numerous discounts, including policy bundling and military installation incentives for additional savings on your policy.
  • Geico – Geico has written insurance policies for over 75 years, including coupe car insurance. Geico offers the standard range of coverage options, but has additional ones, including rental car reimbursement and mechanical breakdown coverage. Another advantage of Geico is the digital assets, including the website or mobile app where you can add coverage, request quotes, manage your policy and file a claim.
  • Erie – Erie is a regional carrier but offers the same variety of coverage options and discounts as many of the national providers. Erie has a strong base of agents in addition to competitive rates, with over 13,000 agents representing the company. Its approach to insurance seems to work, as Erie ranks as one of the top insurers in overall customer satisfaction for the 2020 J.D. Power Auto Claims Satisfaction Study.

Cheapest car insurance companies for Dodge Challenger

Bankrate has reviewed several car carriers and determined the top five that offer strong customer ratings, financial strength, competitive rates and premium discounts. Each company was also reviewed for coupe insurance to see how much the premiums vary based on the make and model of the coupe. For instance, the Dodge Challenger had a wide range of rates, but USAA and Amica offered the least expensive premiums on average for full coverage.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $348 $1,387
Geico $398 $1,873
State Farm $485 $1,715
Erie $430 $1,550
Amica $345 $1,467

Cheapest car insurance companies for Honda Civic

The Honda Civic ranks as one of the best selling cars in America. Fortunately, the Civic can also be a more affordable option to insure compared to other coupes. Multiple providers offer generally affordable premiums for the Civic. Each of the following companies have average annual rates below the national cost of car insurance.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $325 $1,072
Geico $390 $1,356
State Farm $467 $1,373
Erie $377 $1,395
Amica $345 $1,352

Cheapest car insurance companies for Mercedes E-Class

Overall, Mercedes drivers tend to pay higher insurance premiums versus other makes of vehicles, and the Mercedes E-Class seems to follow the same trend. There are likely numerous reasons why the premiums are higher, but it could be because the replacement parts for the vehicle are much higher. While Amica has higher premium rates for minimum coverage, it is the least expensive for a full coverage policy.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $322 $1,872
Geico $332 $2,542
State Farm $485 $2,028
Erie $431 $1,925
Amica $345 $1,756

Cheapest car insurance companies for Mercedes C-Class

Like the E-class line, the Mercedes C-Class tends to be on the more expensive side of premiums. Although the Mercedes C-Class comes with optional safety features, such as daytime running lights and blind-spot protection, the premiums are slightly higher than other coupes. In this case, Erie insurance provides the lowest premiums on average for a full coverage policy, while USAA offers the least expensive minimum coverage for those who qualify for membership.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $320 $1,605
Geico $332 $1,921
State Farm $467 $1,883
Erie $431 $1,555
Amica $345 $1,637

Cheapest car insurance companies for Volkswagen Beetle

Not only does the Volkswagen Beetle have a long-standing history, but the insurance premiums are some of the least expensive of those surveyed. In this case, both USAA and Amica provide the least expensive average rates for both the minimum and full coverage policies. However, the other providers — Geico, State Farm and Erie — are not far off.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $310 $1,141
Geico $358 $1,437
State Farm $473 $1,405
Erie $431 $1,348
Amica $367 $1,324

Cheapest car insurance companies for Audi A5

The Audi A5 boasts impressive safety ratings from the Insurance Institute for Highway Safety (IIHS). This includes a “Superior” rating for front crash prevention equipment, both vehicle-to-vehicle and vehicle-to-pedestrian. However, these safety ratings may not be enough to sway the coverage costs, as the insurance premiums are some of the highest reviewed compared to coverage for other coupes.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $324 $1,740
Geico $313 $2,115
State Farm $456 $1,871
Erie $431 $1,772
Amica $345 $1,903

Cheapest car insurance companies for Chevrolet Corvette

The Chevrolet Corvette is hardly known as a practical coupe, but the cost to insure this sports car is in line with other coupes surveyed. Chevrolet Corvette owners will likely not have to pay too much more for car insurance than they would for other makes and models. Below showcases some of the cheapest premiums offered by providers.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $268 $1,700
Geico $339 $2,036
State Farm $374 $1,962
Erie $431 $1,743
Amica $345 $1,391

Cheapest car insurance companies for Chevrolet Camaro

Like other coupes on this list, the rates for Chevrolet Camaro are varied. On average, the 2021 Chevrolet Camaro receives good safety ratings from the IIHS, which may help explain why rates for this sportier coupe are similar to other more economical versions.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $286 $1,373
Geico $349 $1,656
State Farm $520 $1,763
Erie $430 $1,504
Amica $367 $1,410

Cheapest car insurance companies for BMW 440i

The BMW 440i is another luxury option on the list with a wide range of car insurance rates. Even with the numerous safety features, such as knee airbags and automatic high beams, the BMW 440i is more expensive to insure, on average, compared to other cars surveyed.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $319 $1,808
Geico $367 $2,647
State Farm $478 $2,133
Erie $431 $1,715
Amica $345 $1,876

Cheapest car insurance companies for Ford Mustang

While a Ford Mustang may be a fun car to drive, many might expect it to be more expensive to insure versus other vehicles. Fortunately for Mustang drivers, the average cost of insuring a Ford Mustang is in line with other coupes. Additionally, each provider shown offers discounts that Ford Mustang owners will likely be able to qualify for.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $289 $1,649
Geico $362 $1,951
State Farm $467 $1,681
Erie .
$351
$1,303
Amica $345 $1,646

Other car insurance coverage for coupes

Each state has minimum insurance requirements, many experts recommend adding additional coverages for enhanced protection. If you are involved in an accident, whether you are at fault or not, you may have better financial safeguards if your policy is well-rounded.

There are numerous coverages to choose from to complete your policy. First, take a look at your liability needs. Many financial experts advise carrying a higher amount of liability insurance the higher your net worth is. If you are in an at-fault accident, your liability insurance is paid out to the other driver to cover their medical expenses and property damage. If you have higher assets, more substantial liability coverage may help protect you in case of a lawsuit.

Other coverages to consider are collision and comprehensive. These are just options for some people, but are usually required if you lease or finance your vehicle. Collision coverage pays for the repair or replacement of your vehicle as a result of a crash, while comprehensive pays for damage to your vehicle from nature, an animal or something non-vehicle related. Uninsured and underinsured motorist coverage may be another option, which provides medical and property damage help to you if you are involved in a crash with someone who does not have insurance, or enough of it.

Frequently asked questions

What is the best car insurance company for coupes?

The best car insurance company for coupes will ultimately be determined by which one is best for your lifestyle and financial situation. To select the best insurer for you, it is helpful to review the customer service ratings, financial strength, digital assets and rates for several different carriers. Bankrate has reviewed multiple as well and found USAA, Geico, Amica, Erie and State Farm are all strong choices for your consideration.

How much car insurance do I need?

Whether it is a coupe insurance policy or any other, the amount of auto insurance you need will likely depend on your financial situation and driving habits. In addition to your state minimum requirements, consider looking for options that offer you the most financial protection while remaining in your budget.

How much will I pay for coupes insurance?

The amount you pay for your coupe car insurance depends on many factors, in addition to the make and model of your car. Your age, gender, zip code, driving record and even marital status all have an impact on the amount you pay. On average, in the United States, drivers pay $565 for minimum insurance and $1,674 annually for a full coverage policy.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base). For new vs used vehicles, we also included the following years in our calculations: 2016, 2017, 2018, 2019 (base) and 2020.