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Compare coupe insurance

Luxury and high-powered coupes will have the highest insurance rates.

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Fact checked

You might expect a smaller car to cost less to insure, but the expense of insuring a coupe is often more about the driver than the car. With only two doors, and sometimes only two seats, coupes are seen as the sporty compact cousin to the more family-friendly sedan. The increased speed and sleeker look can attract younger owners who like to drive fast.

Compare car insurance for coupes

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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What kind of coverage do I need for a coupe?

Your state’s insurance requirements may vary, but the following coverage options are often required to operate your coupe:

  • Liability. Only because your car might be the smallest in an accident doesn’t mean it can’t cause big damage, which is why most states require this coverage regardless of your car’s body type.
  • Uninsured motorist. Uninsured or underinsured motorist coverage is often also required by the state. But even if it’s not, it’s a good idea to make sure you’re not stuck paying out-of-pocket for giant repairs on your foreign import or classic coupe.
  • Comprehensive. Usually optional, a comprehensive policy covers damages to your car that happen while you’re not driving it, such as theft, weather damage and vandalism. A soft-top convertible coupe might need comprehensive to account for potential roof damage.
  • Personal injury protection. Your older coupe may not have all the safety features of a new car. And with the higher incidents of injury from accidents involving subcompact and sports cars, you’ll want a policy that covers costs associated with your injuries regardless of who is at fault.

What coupe add-on coverage should I consider?

Driving a coupe comes with its own set of advantages and disadvantages that these insurance add-ons might help you navigate:

  • Glass replacement. The faster you drive, the more likely you are to get a windshield crack when other vehicles kick up road debris. A glass replacement add-on may be a wise choice for your coupe coverage to account for the extra risk of damage.
  • Roadside assistance. If you need a specialty mechanic for your classic coupe or foreign model, make sure to sign up for a roadside assistance package that gives you more freedom over where to tow your car.
  • Gap insurance. If you bought a new coupe, having gap insurance covers you so you’re not left paying off a loan that’s worth more than the depreciated value of your car.

Do different kinds of coupes have different insurance considerations?

The coupe only includes a few categories, but your insurance can be vastly different depending on the make and model you’re driving.

  • Standard coupes. This category of coupe might be even less expensive to insure than its four-door equivalent — as long as you go for a basic trim package and don’t modify the engine for speed and power.
  • Luxury coupes. High-tech features and finishes can make this coupe more expensive to repair, which leads to a higher premium. Consider adding a comprehensive policy to better protect your investment.
  • Muscle cars. A car built for speed and power is going to come with a steeper insurance premium. If your muscle car coupe is old enough to be considered a classic car, ask your agent about special policies or add-ons to protect you from depreciation concerns and appreciation from restoration. Also consider higher limits on your collision coverage to help pay for more expensive parts.
  • Classic coupes. Consider adding roadside assistance for an older or classic coupe. And for high-value cars, replacement cost coverage will make sure coverage extends to the stated value of the car, rather than the actual cash value.

How can I get cheap coupe insurance?

To find your least expensive coupe insurance options, take the following into consideration:

  • Avoid luxury brands. Luxury cars come with a larger sticker price and a larger insurance premium. To keep your costs down, buy a cheaper coupe.
  • Choose an entry-level trim. The more bells and whistles your car has, the more costly it can be to repair. Choosing an entry-level or midrange trim will save you money when it’s time to insure it.
  • Lower the horsepower. Insurance companies see a more powerful engine as a speeding risk, especially on sporty coupes.
  • Safety first. Safety and antitheft features can go a long way to reduce your insurance rate.

Bottom line

Whether you’re buying a coupe for speed, power or practicality, you’re going to face some long-held prejudices about the two-door style when you shop around for insurance. Make sure you’re getting the best deal possible by comparing your options to find the best coverage at a fair rate.

Frequently asked questions about coupe insurance

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