Is it cheaper to insure a sedan or a coupe? Learn how to find the cheapest car insurance for two-door cars.
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.
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.
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.
Annual Audi A5 insurance rates
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.
Average annual BMW 4 Series insurance costs
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.
Annual Dodge Challenger average insurance costs
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.
Annual average Chevrolet Camaro car insurance rates
|Texas Farm Bureau||$851|
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.
Annual Kia Forte Koup car insurance costs
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.
Annual Honda Accord insurance rates
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.
Annual Honda Civic average insurance costs
|Texas Farm Bureau||$856|
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.
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.
Average rate increase after an at-fault car insurance claim
|Increase at 6 months||Increase at 12 months||Increase at 3 Years|
So, if you’re wondering if you should file a claim, review the step-by-step guide below before contacting your insurance company.
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.
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:
It’s important to see that our estimates are a reflection of our composite user profile. Treat our data like 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.
If you're looking for more information regarding car insurance and coupes, see our additional resources below.
Between September and December 2017, The Zebra conducted comprehensive auto 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.
For 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.
Finally, some rate data may vary slightly throughout report based on rounding.