Car Insurance for Coupes vs. Sedans

Is it more expensive to insure a two-door or four-door vehicle?

How much is insurance for a coupe vs. a sedan?


Sedans and coupes are often grouped together as "compact" vehicles. But depending on the make and model, you could see considerable differences in the up-front list price and the annual cost of insurance. We analyzed insurance rates for coupes and sedans — see the data below and choose the best option for you.


Which is cheaper: sedan or coupe?
  1. Is it cheaper to buy a coupe or sedan?
  2. Is it cheaper to insure a coupe or sedan?
  3. Final thoughts: which is the best option for you?





Is it cheaper to buy a coupe or sedan?


On average, it is nearly $8,000 cheaper to buy a sedan than to purchase a coupe. The most expensive coupe — the Audi A5 — will set you back $41,200 per year, versus the Toyota Camry’s $23,070 price tag. The average purchase price of coupes is pulled upward by the luxury sports cars that comprise the higher-end of the two-door spectrum: vehicles like the BMW 4 Series and Audi A5 come at premium prices.


Coupe vs. sedan cost-of-ownership comparison

Sedan List Value Coupe List Value
Chevrolet Cruze - $16,975 Audi A5 - $41,200
Honda Accord - $18,640 BMW 4 Series - $41,950
Ford Fusion - $22,750 Dodge Challenger - $26,995
Honda Civic - $18,640 Chevy Camaro - $25,905
Toyota Corolla - $18,500 Kia Forte Koup - $19,890
Toyota Camry - $23,070 Honda Accord Coupe - $22,455
Nissan Altima - $22,500 Honda Civic Coupe - $18,640

Many factors contribute to these differences in list value. If you're strongly considering a coupe, but want to save money, consider the Honda Civic Coupe. This vehicle — nearly $10,000 less than the group average — will set you back just $18,640 to own. Moreover, it tends to be on the cheaper side to insure.





Is car insurance cheaper for a coupe or sedan?


Although sedans are typically cheaper to purchase than are coupes, insurance is a different story. On average, coupe car insurance is $200 more expensive than sedan insurance.


Average insurance premiums: coupes and sedans

Average Auto Insurance Premium: Sedan Average Auto Insurance Premium: Coupe
Chevrolet Cruze - $1,372 Audi A5 - $1,777
Honda Accord - $1,421 BMW 4 Series - $1,307
Ford Fusion - $1,444 Dodge Challenger - $1,243
Nissan Altima - $1,504 Chevy Camaro - $1,779
Honda Civic - $1,463 Kia Forte Coupe - $1,016
Toyota Camry - $1,478 Honda Accord Coupe - $997
Toyota Corolla - $1,486 Honda Civic Coupe - $983

If a sedan is what you're seeking, consider the Chevy Cruze. On average, it’s $81 cheaper to insure per year than the average sedan — albeit $129 more than the coupe group average. The Cruze has the lowest list price of any of the sedans we surveyed. While the Chevy Camaro sat near the middle of the pack in terms of cost-to-own, it's fairly expensive to insure. With an average annual premium of $1,779, the Camaro costs $500 more than an average coupe and $300 more than the average sedan.





Extra thoughts: differences between coupes and sedans


It’s important to consider not only the list price for your desired vehicle but also the ongoing cost of ownership. While cost of ownership calculations include maintenance and inspections, it also includes your cost-to-insure. Unless you live in New Hampshire or Virginia, you’re required by law to insure your vehicle. If you're getting close to purchasing a new coupe or sedan, enter your zip code below to view insurance rates for your chosen model.





Compare insurance rates today!




Methodology: how we determine insurance premiums and costs


Between September and December 2017, The Zebra conducted comprehensive car insurance pricing analysis using its proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra examined nearly 53 million rates to explore trends for specific auto insurance rating factors across all United States zip codes, averaged by state, including Washington, DC.

Analysis used a consistent base profile for the insured driver: a 30-year-old single male driving a 2013 Honda Accord EX with a good driving history and coverage limits of $50,000 bodily injury liability per person/$100,000 bodily injury liability per accident/$50,000 property damage liability per accident with a $500 deductible for comprehensive and collision.

For coverage level data, optional coverage (that must be rejected in writing) is included where applicable, including uninsured motorist coverage and personal injury protection.

National property and casualty losses information is from the Insurance Information Institute and the NOAA National Centers for Environmental Information U.S. Billion-Dollar Weather and Climate Disasters report.

Vehicle make and model data analysis referenced the most popular vehicles in the U.S. by 2016 year-end sales, according to Goodcarbadcar.net’s automakers’ data. Some rate data may vary slightly throughout report based on rounding.