How much more is insurance for a 2 door car? Insurance for a two-door car can be more expensive if you drive a sports car or luxury vehicle. The easiest way to determine if your two-door car insurance will be more expensive is to look at the price. If your 2-door car was more expensive to buy than your 4-door car, car insurance will cost more. To get cheaper rates, compare online shopping with our free tool below. Enter your zip code now to receive free quotes.
Insurance Q&A: “Is insurance for a 2-door car expensive?”
Not every driver will worry about how many doors come with their car, but sometimes it matters! But just to be clear, are we talking about a 2-door Yugo? These are not too expensive to guarantee the best of our knowledge.
All jokes aside, our best guess is that you’re referring to a two-door sports car.
If you just ask about 2-door cars, in general, to find out more about what the insurance price will be, the answer will depend on the type of car we’re talking about. So let’s get going.
It can also help to know why auto insurance rates differ.
What kind of two-door car do you have?
The reality is that insurers demand higher insurance premiums from a driver who has a vehicle that will cost more to repair or replace, assuming they have purchased full-coverage auto insurance.
Full coverage refers to a policy that includes physical damage coverage, which is divided into comprehensive coverage and collision coverage. Insurance companies offer these options depending on the vehicle type, because older models may be cheaper to insure against damage, but newer vehicles do not so much. The price of newer cars, whether they are two-door versions or not, will be much higher. That said, there are some “luxury cars” that are going to cost more anyway.
As mentioned above, if you’re asking if 2-door sports cars cost more to insure, yes they do.
Sports cars and convertibles are generally more expensive to insure than a 4-door model, all else being equal. Insurance companies understand that there are more risks associated with these fast, “nice” cars. A driver in a sports car seat will drive much faster than someone in a four-door sedan. The cost of going 0-60 mph quickly can come with greater financial responsibility.
That said, if your 2-door car was more expensive to buy than your 4-door car, it will also cost more, hence the Yugo reference.
At the same time, you can expect to pay more for a 4-door Toyota Camry than a 2-door Toyota Corolla (assuming they were comparable model years), because the Camry costs more to repair or replace when it adds up (and costs more to buy in the first place).
On the other hand, a 2-door Camaro costs more to hold than a Malibu when we talk about Chevys.
Why? Because the Camaro costs more to make and buy.
This also explains the myth about why red cars cost more to insure because they are usually two-door sports cars.
How Much More Is Insurance For A 2 Door Car – Conclusion?
It’s not the number of gates to count when looking at insurance rates. Instead, look at the type of vehicle it is. What does that mean? The year, make and model will be much more important than the number of doors or even the color. The only reason a 2 door car can cost more than a 4 door car to insure is because of the type of car it is. A sports car that costs a lot to produce and is also seen as a high-risk car will naturally come with higher average premiums.
If you’re concerned about sitting in the seat of a car being expensive to insure, remember that it also depends on how you drive. That two-door sports car of yours might have a higher average cost, but if it’s a nice, comfortable ride, uses a built-in or added safety feature, and you’re a responsible (but maybe still fast) driver, it might be worth it.