Sedan vs. Coupe: Which Is the Cheaper Car to Insure? 

It’s easy to understand why car insurance would be more expensive for a Ferrari than a Toyota. But did you know that insuring a coupe versus a sedan could cost you more?

Sedan vs. coupe: What’s the difference? 

sedan vs coupe, car insurance
A 2022 Toyota Camry and a 2022 BMW 2 Series Coupe | Toyota Motor Sales, U.S.A., Inc.; BMW of North America, LLC

It’s easy to get the two body styles confused because of their similarities. So, what makes a coupe and a sedan different? A sedan has four doors. Other parts of the vehicle, such as the engine, trunk, and passenger cabin, are separate from one other. That’s known as a “three-box design.” On the other hand, a coupe has two doors and a fixed roof, although it still has a three-box design. And a hatchback is considered a coupe if it has two doors.

The Society of Automotive Engineers (SAE) has a different take on the sedan-versus-coupe debate. It classifies coupes as fixed-roof cars with less than 33 cubic feet of interior space.

How much is coupe car insurance?

So, how much does it cost to insure a coupe? “It depends on where you live and your driver profile, but coupe car insurance is usually relatively expensive,” Jerry Insurance Agency explains.

And because coupes are geared more toward child-free single people and couples, they are a bit pricier to insure. Generally, coupe drivers are younger and have an increased risk of getting into an accident. Less experienced motorists usually file more insurance claims than seasoned drivers. In addition, the make and model of the coupe play a significant role in insurance costs.

Are sedans cheaper to insure than coupes? 

You might wonder if insuring a sedan is cheaper than insuring a coupe. The answer is yes. Sedans are some of the most affordable types of cars you can insure. They’re better suited for families, have more space for seating, and get good gas mileage. Because sedans are more family-friendly, car insurance companies view their drivers as more responsible. Therefore, they pose a lower risk of collisions than motorists without families.

But that isn’t always the case. If you buy a luxury sedan, your insurance rates might be higher. It also depends on the vehicle’s size. For instance, you could choose a compact, midsize, or full-size sedan, and the insurance rates might differ.

In addition, if you have a poor driving record, your auto insurance premiums will be higher regardless of your car.

How can you find the best price on car insurance?

The best way to find a reasonable price on car insurance is to shop around. For example, compare rates from national companies and small insurance providers. 

Also, improving your credit score and your driving habits can help reduce your auto insurance costs more than you might think. 

Finally, check for discounts. Bundling your homeowners’ or renters’ insurance with your car insurance can help save you money.

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