Car Insurance for Coupes

Is it cheaper to insure a sedan or a coupe? Learn how to find the cheapest car insurance for two-door cars.

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What's the cheapest car insurance for coupes?

The difference between a coupe and a sedan is straightforward: a coupe has two doors, whereas a sedan has four doors. But in terms of list prices and car insurance premiums, the sedan vs. coupe debate becomes a bit more complicated. For example, there's a $3,000 difference in list price and a $200 difference in annual cost-to-insure between the four-door Kia Forte and the two-door Kia Forte Koup, with the coupe being the more expensive vehicle. But if you already own a coupe — or have your heart set on a sporty new ride — we have some rates and models for you.

Car insurance basics for coupes:
  1. Cheapest car insurance rates
  2. How to save
  3. Additional resources

 

Cheapest car insurance rates for coupes: by company

By using a user profile outlined here, we generated sample insurance rates for popular coupes to find the lowest premiums for each model. While the average car insurance rate for a coupe is almost $200 less than the national average ($1,427), there is substantial model-by-model price variance. It's important to shop for insurance often to secure favorable rates.

 

Audi A5

After the BMW 4 Series, the Audi A5 is the most expensive coupe to buy and second most expensive to insure. On average, this vehicle will set you back $41,200 to own up front and $1,377 to insure on an annual basis. You can minimize that premium by $441 by choosing Geico as your insurer. With an average premium of $936 per year, Geico is the cheapest car insurance provider for the Audi A5.

audi a5

Annual Audi A5 insurance rates
CompanyPremium
Allstate$1,819
GEICO$936
Nationwide$1,322
Progressive$1,650
State Farm$1,144
USAA$1,391


 

BMW 4 Series

As you might expect from the brand name, the BMW 4 Series is one of the more expensive coupes to buy and insure. On average, this vehicle costs $1,307 per year to insure and $41,950 to buy. However, if you qualify for USAA car insurance, you can lower your yearly premium by nearly $600. If you do not meet the qualifications, Geico is your next cheapest option with an average annual premium of $889.

bmw

Average annual BMW 4 Series insurance costs
CompanyPremium
Allstate$1,719
Farmers$1,593
GEICO$889
Nationwide$1,628
Progressive$1,313
State Farm$1,261
USAA$748



Dodge Challenger

For a domestic vehicle, the average car insurance rates for the Dodge Challenger are competitive. For the Challenger, Progressive is often the cheapest car insurance option. At $515 per year, this rate is approximately $700 cheaper than the group average. In terms of up-front costs, the Dodge Challenger is near the middle of the pack. The 2017 Challenger comes with a list price of $26,995 — approximately $1,150 less than the average for a coupe.

dodge challenger

Annual Dodge Challenger average insurance costs
CompanyPremium
Allstate$1,285
Farmers$1,571
GEICO$1,174
MetLife$2,953
Nationwide$1,088
Progressive$515
State Farm$632
USAA$725


 

Chevrolet Camaro

With an average annual premium of $1,779, the Chevy Camaro is the most expensive coupe to insure. However, if you’re qualified, Texas Farm Bureau offers rates roughly $900 below average ($851 per year!). Although the Camaro's insurance costs are substantial, its list price of $25,905 is approximately $2,000 less than the group average for coupes.

camaro

Annual average Chevrolet Camaro car insurance rates
Company
Premium
Allstate
$2,557
Geico
$3,207
Progressive
$1,654
State Farm
$1,249
Texas Farm Bureau
$851
USAA
$1,155


 

Kia Forte Koup

The Kia Forte Koup is an affordable vehicle in terms of initial investment and ongoing insurance costs. A standard six-month insurance policy for the Koup runs $508, and its sticker price is $19,890. If you’re looking for the best deal for your Kia Forte Koup car insurance, consider Progressive or State Farm.

kia forte

Annual Kia Forte Koup car insurance costs
Company
Premium
Allstate
$1,082
Farmers
$1,231
GEICO
$672
Met Life
$2,572
Nationwide
$970
Progressive
$411
State Farm
$540
USAA
$650

 

 

Honda Accord

The Honda Accord is the second-cheapest coupe to buy and insure, after only the Civic. On average, the Accord costs $997 per year to insure and $22,455 to buy. If you qualify, USAA is the cheapest option, with an average annual premium of $631 — or $316 for a standard six-month policy.

honda accord

Annual Honda Accord insurance rates
Company
Premium
Allstate
$1,028
Farmers
$1,066
Geico
$573
MetLife
$2,440
Nationwide
$818
Progressive
$340
State Farm
$451
USAA
$631

 

 

Honda Civic

The Honda Civic is the cheapest coupe to buy and insure. On average, the Civic coupe costs $18,640 to buy - nearly $10K less than the group average. The Civic's average annual car insurance cost is $983. However, you can defray much of this cost by selecting Progressive, with an average annual premium of $396.

honda civic

Annual Honda Civic average insurance costs
CompanyPremium
Allstate$1,094
Farmers$1,082
GEICO$613
MetLife$2,617
Nationwide$1,001
Progressive$396
State Farm$553
Texas Farm Bureau$856
USAA$636

 


 

How else can you save?

Depending on your choice of coupe and your insurance company, you could pay a lot or a little for car insurance. Even if you’re cutting costs by insuring a Honda Civic with Progressive, saving money is always a smart idea. Let’s assess some simple and easy steps that could save you a lot of money on car insurance.

 

Be smart with your claims

Although car insurance is designed to protect and keep your coupe looking new, it has a tendency to act as a double-edged sword. Meaning, the most you use it, the more expensive it will be. Unless you have some type of accident forgiveness built into your insurance policy, any at-fault accident you have will be listed as a chargeable claim — leading to a fee increase — for at least three years.

The amount you’ll be charged will depend on the incident, your location, and your insurance company. But, on average, you can expect a 48% increase in your premium. Broken down below, you can see how a claim can affect your premium over this three-year period.

Year after Accident
Rate Increase
0
+$0
1
+$618
2
+$1,236
3
+$1,854

So, if you’re wondering if you should file a claim, review the step-by-step guide below before contacting your insurance company.

  1. Get an estimate for the repairs at a local repair shop prior to speaking with your car insurance company
  2. Use our State of Insurance analysis to see how much an at-fault accident would raise your rates. You should consider this adjustment over a three-year period.
  3. Compare the rate increase plus your deductible to the out-of-pocket cost of repairs determined in step 1.

Unfortunately, this guide only applies to physical damage you cause to your vehicle. Bodily injury claims tend to be so significant they outweigh this calculation. Moreover, if you’re the at-fault party in an accident, you are at the discretion of the other driver in terms of whether you can avoid insurance company involvement. If the other driver does not want to be paid out of pocket for the damage, which is common, you don’t have a choice. Also, we’re primarily talking about collision coverage. Comprehensive or uninsured property damage claims typically rated on your premium as not-at-fault accidents. Typically, they raise premiums by 1-2% per year.

 

Double check for discounts

While most discounts are small, they can add up to cut down on your car insurance bill. So, when looking for ways to save on your coupe, consider the following discounts:

  • Multi-policy discount
  • Good driver discount
  • Paperless discount
  • Payment by bank account
  • Paid in full discount (paying your premium in one payment)
  • Multi-car discount
  • Telematics

 

Shop around

It’s important to see that our estimates are a reflection of our composite user profile. Treat our data as a jumping off point and follow our lead. By comparing as many car insurance companies as possible, you can either confirm you’re getting the best possible rate or find the best rate. Enter your zip code below to see the best rate for your coupe.

 

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