Best car insurance for coupes

How much does it cost to insure a coupe?

The average annual cost of car insurance in 2024 is $2,542 for full coverage and $740 for minimum coverage, per quoted premium data obtained from Quadrant Information Services. In addition to how much you drive and the age of your vehicle, the make and model of the coupe you drive will likely impact your car insurance rates. In general, though, a two-door car is more expensive to insure than a sedan.

The following vehicle factors may influence what you pay for car insurance for your coupe:

• Price of parts: American-made or more common vehicles typically have cheaper parts since they don’t have to be imported or are imported more frequently. Foreign vehicles, such as BMWs and Audis, may see higher insurance rates as a result of less common parts and more expensive labor costs.
• Safety features: Common safety features in coupes today include side airbags, anti-lock brakes, electronic stability control and accident avoidance systems. Coupes with more safety features may have lower average insurance rates as passengers may be less likely to be injured in the event of a crash. The following makes and models of coupes received 2022 Insurance Institute of Highway Safety awards as Top Safety Picks: Subaru BRZ, Audi A5 and Toyota GR86. However, no two-door coupes were chosen for the organization's 2023 or 2024 list.
• Likelihood of theft: If your vehicle comes equipped with anti-theft devices, such as wheel locks and brake locks, you might save on your car insurance. Coupe models with lower instances of theft may also see lower rates.

Other factors like your driving history, age, geographic location and the types and levels of coverage you choose also impact your rates. Though it varies by state, in some cases, your gender and credit-based insurance score may be considered, as well. Further, premiums vary by insurer since carriers calculate rates with proprietary algorithms that weigh insurance rating factors differently.

Car insurance for coupes by make and model

The table below provides a snapshot of the average cost of coupe insurance policies based on popular models and premium data from Quadrant Information Services.

Best car insurance for coupes

The best car insurance company for you likely depends on your personal rating factors and insurance preferences. We reviewed several carriers that offer a balance of competitive average rates, strong customer satisfaction scores, high financial strength ratings, robust digital tools and a variety of coverage options and discount offerings.

Cheapest car insurance companies for coupes

For many drivers, price is top of mind when choosing a car insurance company. To help you find the cheapest rates for two-door car insurance, Bankrate's editorial team assembled a list of five of the most affordable carriers for coupes. These companies offer low average rates for the models we analyzed, but your rates may vary based on your personal rating factors and the type of coupe you drive. Coupes that are considered sports cars or luxury vehicles are typically pricier to insure, as are those with high theft rates, poor safety ratings and expensive repair costs.

Average annual premium for full coverage by model

How much car insurance do I need for a coupe?

Nearly every state has minimum car insurance requirements, which vary but usually include some mix of liability coverage, uninsured/underinsured motorist coverage, medical payments and personal injury protection. However, you may want to add more coverage types to build a more robust policy. Additional coverage types and higher coverage limits may provide greater financial protection in the event of an accident or other covered incident.

Your options for policy endorsements may vary based on the company you choose, but nearly all carriers offer collision and comprehensive coverage, also known as full coverage. These provide coverage for your vehicle in the event of an accident you cause or another covered incident like hitting an animal or tree. Other common endorsements include roadside assistance, coverage for custom equipment and gap insurance, which covers the difference between what you owe on a vehicle and its value in the event the car is totaled.

Ultimately, the amount of car insurance you need for your coupe likely depends on your personal circumstances and vehicle. For example, if you drive for a rideshare company, you might consider rideshare coverage, and if you live in a colder climate where gravel and sand are used to add traction to icy roads, you might consider windshield repair coverage. 

How can I save on car insurance for my coupe?

Although car insurance for coupes is typically more expensive than car insurance for sedans, there are still ways you may be able to save. Most insurance experts recommend comparing quotes from a handful of carriers to see which may offer the lowest rates and most relevant discounts for your coverage needs. Additionally, maintaining a clean driving record and improving your credit may lower your rates, depending on the state you live in.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze January 2024 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. 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 coverage that meets each state’s requirements. Our base profile drivers own a 2022 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:

• Dodge Challenger
• Ford Mustang
• Honda Civic