Best car insurance for coupes

How much does it cost to insure a coupe?

The average annual cost of car insurance in May 2025 is $2,692 for full coverage and $808 for minimum coverage, according to premium data obtained from Quadrant Information Services. In addition to how much you drive and the age of your vehicle, the make and model of the coupe you drive will likely impact your car insurance rates. In general, though, a two-door car is more expensive to insure than a sedan.

The following vehicle factors may influence what you pay for car insurance for your coupe:

• Price of parts: American-made or more common vehicles typically have cheaper parts since they don’t have to be imported and are more readily available. Foreign vehicles, such as BMWs and Audis, may see higher insurance rates as a result of less common parts and more expensive labor costs. 
• Safety features: Common safety features in coupes today include side airbags, anti-lock brakes, electronic stability control and accident avoidance systems. Coupes with more safety features may have lower average insurance rates as passengers may be less likely to be injured in the event of a crash. It can be a good idea to review the Insurance Institute for Highway Safety's safety ratings for any car that you're interested in to see how well it does in the organization's crash tests.
• Likelihood of theft: If your vehicle comes equipped with anti-theft devices, such as wheel locks and brake locks, you might save on your car insurance. Coupe models with lower instances of theft may also see lower rates. 

Other factors like your driving history, age, geographic location and the types and levels of coverage you choose also impact your rates. Though it varies by state, in some cases, your gender and credit-based insurance score may be considered, as well. Further, premiums vary by insurer since carriers calculate rates with proprietary algorithms that weigh insurance rating factors differently.

Car insurance for coupes by make and model

The table below provides a snapshot of the average cost of coupe insurance policies based on popular models and premium data from Quadrant Information Services.

Best car insurance for coupes

The best car insurance company for you likely depends on your personal rating factors and insurance preferences. We reviewed several carriers that offer a balance of competitive average rates, strong customer satisfaction scores, high financial strength ratings, robust digital tools and a variety of coverage options and discount offerings.

Cheapest car insurance companies for coupes

For many drivers, price is top of mind when choosing a car insurance company. To help you find the cheapest rates for two-door car insurance, Bankrate's editorial team assembled a list of five of the most affordable carriers for coupes. These companies offer low average rates for the models we analyzed, but your rates may vary based on your personal rating factors and the type of coupe you drive. Coupes that are considered sports cars or luxury vehicles are typically pricier to insure, as are those with high theft rates, poor safety ratings and expensive repair costs.

Average annual premium for full coverage by model

How much car insurance do I need for a coupe?

Nearly every state has minimum car insurance requirements, which vary but usually include some mix of liability coverage, uninsured/underinsured motorist coverage, medical payments and personal injury protection. However, you may want to add more coverage types to build a more robust policy. Additional coverage types and higher coverage limits may provide greater financial protection in the event of an accident or other covered incident.

Your options for policy endorsements may vary based on the company you choose, but nearly all carriers offer collision and comprehensive coverage, also known as full coverage. These provide coverage for your vehicle in the event of an accident you cause or another covered incident like hitting an animal or tree. Other common endorsements include roadside assistance, coverage for custom equipment and gap insurance, which covers the difference between what you owe on a vehicle and its value in the event the car is totaled.

Ultimately, the amount of car insurance you need for your coupe likely depends on your personal circumstances and vehicle. For example, if you drive for a rideshare company, you might consider rideshare coverage, and if you live in a colder climate where gravel and sand are used to add traction to icy roads, you might consider windshield repair coverage. 

How can I save on car insurance for my coupe?

Although car insurance for coupes is typically more expensive than car insurance for sedans, there are still ways you may be able to save. Consider the following strategies when searching for the best coverage for your vehicle. 

• Look for discounts: Almost all insurers offer at least a few discounts, which can be easy to earn and save you money. When shopping for coupe insurance, comparing discount offerings is an important part of the quote collection process. 
• Drive safely: Few factors are as important in determining your rate as your driving record. Insurers reason that drivers who have a clean record are less likely to file claims, and often reward these drivers with low rates. If you have past marks on your license, think about taking a defensive driving course, which may both earn you a discount as well as help you to brush up on your driving habits.
• Shop around: Every insurer uses its own proprietary algorithms to determine your rate, so you're unlikely to get the same quote from different companies. Comparing quotes will help you find the lowest rates for your unique coverage needs. Be sure to ask each one for the same types and levels of coverage so you can make an apples-to-apples comparison. 

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