Coupes also tend to be more expensive to buy than four-door sedans. Before buying a coupe, consider the disadvantages. Insurance companies generally consider these types of vehicles to be sports cars, which makes it riskier to insure them. In fact, some insurance companies don't even insure certain models.
Keep in mind that sports cars have a higher theft rate, which also contributes to higher insurance rates. For the most part, the majority of coupe drivers are young single men. These types of drivers are considered high-risk, so they will pay higher premiums for car insurance. On average, two-door car insurance rates are higher because they are coupes that tend to be driven by high-risk drivers.
The driver's history and location have a big impact on two-door car insurance rates and can result in a high premium. But you can still find cheap car insurance rates for a two-seater vehicle. This is where the exception comes into play: Coupes aren't always more expensive to insure compared to a sedan. While coupes and sedans are compact cars, they have several differences (the main one is that one is two-door and the other is four-door).
The humble & Davenport Insurance explains that because sedans are often owned by drivers with families, automakers install more safety features on them. Many car insurance companies charge more to insure coupes because they consider coupes to be higher-risk vehicles than sedans and consider the people who own them to be higher-risk drivers. Hatchbacks tend to be more expensive to insure than their sedan variants, although the difference is quite small. Insurance providers consider younger age and lack of driving experience among these drivers to be a greater risk and, for this reason, the insurance premiums for a coupe are higher than those of a typical sedan on average.
Car insurance is generally more affordable for drivers of the most popular sedans than it is for the best coupes. Although rates vary by driver, location and car, on average, most drivers pay more for coupe insurance than sedan insurance The cheapest cars to insure are the Subaru Forester, Dodge Grand Caravan and Honda Of the 10 cheapest cars to insure, 3 are minivans, 3 are crossovers, 2 are SUVs, 1 is a pickup truck and 1 is a sedan. This compares to four-door sedans, which are most often driven by older, more conservative people with families.