You have to have car insurance before hitting the road in your coupe. Insuring a coupe comes with the same questions as any other vehicle, like how much will the insurance cost, what insurance company offers the best rate, and how much coverage you will need to protect your coupe?
Finding this information might feel overwhelming, but fortunately, you don’t have to do it alone. Insurify can help you compare up to 20 auto insurance quotes in one place. You can also use the platform to toggle between insurers, coverage limits, and deductible amounts until you find an insurer and policy that fits your budget. You no longer have to bounce back and forth between car insurance companies‘ websites to comparison-shop. Visit Insurify and get all the insurance information you need for your coupe at once.
In this article
What do insurance companies consider a coupe?
Car insurance companies don’t have a concrete definition of what a coupe is. Insurers do use indicators to classify a vehicle as a coupe, however. These indicators include two-door vehicles that have a low and steep roofline. Coupes often won’t have a back seat. So while insurers might not have a checklist of what constitutes a coupe vehicle, if yours is “sporty” in any way, count on car insurance companies putting it into the coupe category.
How does insuring a coupe affect your car insurance rates?
It might be harder to find cheap car insurance if you own a coupe rather than a sedan. This is because a lot of car insurance companies consider coupes to be higher-risk vehicles than other models. Insurers might also deem someone who owns a coupe to be a high-risk driver as well. This is a possibility, but not a certainty.
What other factors can raise your car insurance rates?
A coupe label won’t be the sole factor in raising a vehicle’s car insurance rates. There are other factors insurers will look at when they determine how much a policy for a coupe will be. Those factors include:
- Your vehicle’s age: A new car will cost more to insure than a used one.
- Horsepower: A coupe with a four-cylinder engine typically has less horsepower than one with a six- or eight-cylinder engine, making a slower-moving and likely safer car.
- Your car’s safety features: If your coupe is equipped with features like airbags, anti-lock brakes, rearview cameras, and driver-assist technologies, this could help lower your premium.
- Your age: The younger you are, the less experience behind the wheel in car insurance companies’ eyes.
- Your location: Your car insurance rates could go up if you live in an area with high theft or vandalism rates or one that’s highly populated.
Insurance cost: How much is car insurance for coupes?
Driving a coupe will likely come with a higher price tag than other types of vehicles. Different makes of coupes will cost more than others, of course, but you’ll pay more insurance regardless of the type of vehicle you’re driving. As previously mentioned, car insurance companies often view coupes as high-risk vehicles and their owners as high-risk drivers.
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Based on Insurify’s average premium data, the total average monthly premium for coupe car insurance is $270—just $2 more than it would be to insure a luxury vehicle. The monthly car insurance premium for a coupe can balloon to $363 when a driver opts for full coverage, which comprises liability, comprehensive, and collision coverage.
How does the cost of auto insurance for coupes compare to other car types?
The average monthly insurance premium for coupes is on the higher side compared to other vehicle types. Only sports cars are more expensive to insure, when it comes to full-coverage policies. Below is what you can expect to pay for car insurance for a coupe compared to other types of cars, based on Insurify’s proprietary database of millions of driver quotes.
Why is car insurance for coupes and two-door cars in general so expensive? Coupes and sports cars fall into different categories, but there are similarities that make coupes seem almost as risky to drive as their sportier counterparts.
|Vehicle Type||Liability Only: Average Monthly Cost||Full Coverage: Average Monthly Cost||Overall Average Monthly Premium|
What are the best and cheapest insurance companies for coupes?
It’s been established that you might have to pay more for car insurance for a coupe. That does not mean you have to pay the most for coupe car insurance, though. Here are some of the top coupe car insurance providers in terms of price and coverage, according to Bankrate.
GEICO has been providing car insurance for all types of vehicles, including coupes, for more than 75 years. GEICO offers the typical car insurance coverage options, along with rental car reimbursement, mechanical breakdown coverage, and emergency roadside service. The company’s mobile app lets you pay your coupe car insurance premium, file claims, and more from the palm of your hand.
USAA offers a variety of benefits for coupe drivers, including multiple coverage options and competitive rates. You must be a current or former military member or the immediate family member of someone in the military to be eligible for USAA’s coverage, however. If you do meet USAA’s eligibility requirements, you could enjoy discounts like policy bundling and military installation incentives to help you save more on your coupe car insurance policy.
Erie is a regional insurance company, but its policyholders receive many of the same coverage options and discounts that national brands offer. Erie has more than 13,000 agents representing it, and the insurer’s competitive rates helped it rank among the top insurers in overall customer satisfaction in the 2020 J.D. Power U.S. Auto Claims Satisfaction Study.
When it comes to price, the cheapest car insurance company for coupes will depend on the type of car you have. For example, USAA and GEICO were among the cheapest for several different coupe makes and models, including the Dodge Challenger, BMW 440i, Honda Civic, and Mercedes E-Class, according to Bankrate.
How to Get Car Insurance for Coupes
A good insurance policy comes down to two things: coverage and price. Here are seven steps you can take to find the best possible car insurance for your coupe.
- Determine your coverage. Check the minimum amount of car insurance coverage your state requires. Property damage, liability, uninsured motorist, and bodily injury liability might be among the coverages you’ll have to add. You’ll probably want to exceed the coverage minimums, especially if your coupe is new. Look into adding comprehensive and collision coverage for your coupe; it will likely be required if you’re financing the vehicle. Other coverage options to consider are emergency roadside service and car rental reimbursement.
- Talk to your current insurer about adding a coupe to your policy. Your car insurance company can let you know how much adding another vehicle to your policy will cost before you start shopping for quotes.
- Get quotes from more than one insurer. It never hurts to get quotes from other insurance companies, even if the price your current company gives you sounds reasonable. Most insurers allow you to calculate quotes online, which is convenient but can be time-consuming. Remember, Insurify only asks you a few questions about your vehicle and driving history and can present you with customized quotes from up to 20 different insurers.
- Research the insurers with the lowest rates. It might be tempting to buy a coupe insurance policy from the provider with the lowest price. But dig a little deeper before signing up first. Check out the company’s service reviews, any complaints with the NAIC (National Association of Insurance Commissioners), customer satisfaction ratings, and financial strength. Insurify’s Composite Score also fairly assesses each company you are comparing.
- Select your coverage limits and deductibles. Let your car’s worth dictate how you choose your coverage limits. Meanwhile, the higher your deductible (the amount of money you agree to pay toward an insured loss), the lower your premium will be. If you have money saved, it’s probably safe to choose a higher deductible to help keep your insurance premium low.
- Inquire about discounts. Many car insurance companies offer discounts to help you save on your premium—make sure to ask about them! You could save money on your coupe car insurance policy for having certain safety features in your vehicle, maintaining a good driving record, insuring your vehicle and home with the same company, and more.
- Apply for your policy. You made it! Now that you found a car insurance company that offers you the most coverage at the best price, begin your formal policy application. This can usually be done over the phone or online.
Tips for Buying Car Insurance for Coupes
Insuring a coupe can be more expensive than protecting other types of vehicles. Keep the following tips in mind as you shop for a coupe and the insurance you’ll need for it. They might help you save some money.
- Pick the right make and model for your budget. Coupe prices, for both the vehicle and the insurance, can vary significantly.
- If you have a big enough emergency fund, pick a higher deductible to help lower your annual car insurance premium.
- Search for discounts any way that you can. This includes taking a defensive driving course, insuring more than one vehicle on your policy, having anti-theft devices in your vehicle, and insuring other products (e.g., home, motorcycle, boat) with the same company.
- Ask your insurer if there are low mileage or safe driving programs, and enroll if possible.
- Compare auto insurance rates from multiple insurance companies with Insurify.
How to Save on Car Insurance with Insurify
Car insurance companies all determine rates for coupes differently. In fact, there are some insurers that deem your vehicle a coupe, while others might see it as a sports car. Either way, it’s in your best interest to compile as many car insurance quotes as you can to ensure you’re getting the best possible rate for your coupe. Getting multiple quotes from different car insurance companies might seem like it would take a lot of time, but that’s not the case with a quote-comparison tool like Insurify.
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Insurify will provide you with customized quotes from up to 20 different insurance companies. The quotes are tailor-made based on the information you provide. You will also see what car insurance discounts you might be eligible for. Insurify will also show you how your deductible and coverage limits will impact your premium with different companies. Why spend hours on car insurance quote research when it can be done in minutes with Insurify?
What car models are considered coupes?
Every insurer has its own interpretation of what a coupe is. However, the Dodge Challenger, Honda Civic coupe, BMW 4 series, and Lexus RC are among the vehicles a car insurance company might classify as a coupe.
Are coupes more expensive to insure?
They can be. Sometimes, insurance companies look at coupes as sports cars and feel they’re more expensive to insure. Insurers also consider coupe drivers to be more high-risk, which can lead to premiums being more expensive as well.
How much does insurance for coupes cost?
Coupe car insurance costs depend on the make, model, and year of the vehicle. Based on Insurify data, the average monthly insurance for a coupe is $179 for liability-only coverage and $360 for full coverage. The total monthly average to insure a coupe is $270.
What is the cheapest coupe to insure?
The Honda Accord is the cheapest coupe to insure, according to The Zebra. On average, it costs $1,437 a year to insure. If you qualify for USAA car insurance, the average annual premium is $992.
What is the best way to get insurance for coupes?
Use Insurify! You can compare customized rates from multiple insurance providers simultaneously. Just answer a few questions, and you’ll be able to find the best deal for the coverage that you need.