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Is Insurance for a 2-Door Car Expensive?

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Reviewed byJoel Ohman
Founder, CFP®

UPDATED: Mar 13, 2020

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Insurance Q&A: “Is insurance for a 2-door car expensive?”

Just to be clear, are we talking about a 2-door Yugo? Those aren’t too expensive to insure to the best of our knowledge.

But all jokes aside, our best guess is that you’re referring to a 2-door sports car.

If that’s the case, learn more about what insurers consider a sports car.

If you’re simply inquiring about 2-door cars in general, the answer will depend on what type of car we’re talking about.

It may also help to learn why insurance rates are different by car.

What Type of 2-Door?

The reality is that insurers demand higher insurance premiums for cars that cost more to repair or replace, assuming you purchased full coverage auto insurance.

Full coverage refers to a policy that includes physical damage coverage, which is further broken down into comprehensive coverage and collision coverage.

(What is the difference between collision and comprehensive coverage?)

As alluded to above, if you’re asking if 2 door “sports cars” cost more to insure, then YES, they do.

Sports cars and convertibles are generally more expensive to insure than a 4-door model…all else being equal.

That said; if your 2-door car was more expensive to purchase than your 4-door car it will cost more…thus the Yugo reference.

At the same time, you can expect to pay more for a 4-door Toyota Camry than you would pay for a 2-door Toyota Corolla (assuming they were similar model years), because the Camry costs more to fix or replace if it’s totaled (and costs more to purchase in the first place).

On the other hand, a 2-door Camaro will cost more to insure than a Malibu if we’re talking Chevys.

Why? Because the Camaro costs more to manufacture and purchase.

This also explains the myth regarding why red cars cost more to insure, because they’re mostly two-door sports cars.

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