Are Coupes More Expensive to Insure Than Sedans?

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are coupes more expensive to insure

When it comes to purchasing car insurance, there are several factors that go into determining the cost of your policy such as your location, gender, driving record, mileage, and more. More importantly, car insurance providers will consider the type of car you drive before giving you an insurance quote. This means that whether you drive a coupe or a sedan, your car insurance will vary. Generally speaking, coupes are known to be more expensive to insure. In this blog, we will explain why.

yellow two door coupe

While coupes and sedans are both compact cars, they have several differences (the main difference being that one is a two door and the other is a four door). When referring to a coupe, you are describing a two-door vehicle that typically has a sportier look and is designed for two passengers rather than four or five. Going back to its origin, the word “coupe” actually means “cut out,” and what’s cut out from this vehicle is the back seat. 

Why are coupes more expensive to insure?

There are many reasons why coupes are typically more expensive to insure including:

Coupe drivers

Coupes are usually driven by younger individuals or couples without kids.

Statistically speaking, coupes are most often driven by young, single male drivers who take more risks on the road. The younger age and lack of driving experience amongst these drivers are seen as a heightened risk by insurance providers and for this reason, the insurance premiums on a coupe is higher than your typical sedan on average. This shouldn’t be seen as a surprise as younger drivers are more likely to be involved accidents and therefore file more insurance claims than more experienced drivers. In contrast, sedans are often driven by older, more responsible individuals with families.

Make and model

While the type of car you drive will impact your insurance rates, so does the specific make and model of your vehicle. When it comes down to it, the cost of your insurance will depend on how much it would cost to repair or replace your vehicle in the event of an accident. This is where the exception comes in – coupes aren’t always more expensive to insure compared to a sedan.

In some cases, a luxurious sedan would cost more to insure than a cheap coupe. Older cars will also be more affordable to insure than a brand new car as it will be cheaper to replace. 

Risk of theft

Insurance companies consider the likelihood of your car being stolen prior to determining your premium. Coupes are most often more expensive to insure because a majority of coupes are sports cars, which are more likely to be stolen. In this case, a sporty coupe is more expensive to cover than a sedan. You can install anti-theft devices as a way to keep your rates down!

Safety features present

Coupes’ safety ratings are part of the reason why they’re more expensive to insure. The presence of safety features helps to lower insurance premiums, and insurance companies will reward you with lower rates if they see your vehicle as safe. For example, a vehicle with a V4 engine will be cheaper to insure than a V6 or V8 engine because it travels at a slower speed. Coupes are known to be less safe compared to sedans, with fewer safety features available.

Luckily, you can enhance the safety of your vehicle with additional features such as anti-lock brakes, back-up cameras, side-impact airbags, and electronic stability control. You may have to pay extra upfront for these features however it will save you money in the long run through insurance discounts!

Why are coupes more expensive to insure?

Insurance rates vary based on many factors, and for this reason, no two policies will be the same. This is why it is important to compare quotes online before you purchase car insurance for your coupe. Insurance companies will look at the following factors when determining your premium:

Final Thoughts

While coupes are generally more expensive to insure compared to a sedan, that doesn’t mean you should settle for high premiums. Many insurance companies offer attractive discounts that you can take advantage of. At Complete Car, we can help you get a great car insurance policy for your coupe! Compare quotes with us today and find the best auto insurance policy that suits your needs and budget best.

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