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.
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.
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
No, but some insurance companies will automatically make that association and charge you accordingly.
Can a coupe have four doors? Technically, no. But some car brands have started marketing four-door cars with tighter body designs and sports-car engines as four-door coupes.
That varies widely by make and model, but on average, an owner will pay $197 a month for a coupe — nearly double the average of $108 per month for most cars. That number includes some of the sportier models like the Mustang or Camaro, so expect to pay less for a more standard coupe.
Heather Petty is a personal finance writer at Finder specializing in home loans, banking and insurance. After falling victim to a disreputable mortgage broker when buying her first home, she’s on a mission to help readers avoid similar experiences when managing their own finances. A self-proclaimed word nerd, her writing has been featured on MSN, Credit.com and MediaFeed.org, among others. Heather previously worked as a technical writer and editor for the casino systems industry and is an internationally published young adult mystery author. She holds a bachelor’s degree in English with a minor in journalism from the University of Nevada, Reno.
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