Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Sep 28, 2021

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

Not every driver is going to be concerned about how many doors come with their car, but sometimes it just matters! But 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.

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 to learn more about what the price will be for insurance, the answer will depend on what type of car we’re talking about. So let’s hit the road.

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

What type 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 further broken down into comprehensive coverage and collision coverage. Insurance companies offer these choices depending on vehicle type, because older models might be cheaper to insure against damage, but newer vehicles not so much. The price tag associated with newer cars, whether they’re two-door versions or otherwise, is going to be much higher. That said, there are some ‘luxury cars’ that are going to cost more no matter what.

(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 absolutely do.

Sports cars and convertibles are generally more expensive to insure than a 4-door model, with everything else being equal. Insurance companies understand that there’s more of a risk associated with these fast, ‘cool’ cars. A driver in the seat of a sports car is going to drive a lot faster than someone in a 4-door sedan. The cost of getting from 0-60 mph in a speedy fashion can carry a higher financial responsibility.

With all of that being said, if your 2-door car was more expensive to purchase than your 4-door car it will also 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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What’s the final say?

It’s not the number of doors that you should be counting when looking at insurance rates. Be looking at the type of vehicle it is instead. What does that mean? The year, make, and model are all going to be much more important than the amount of doors it has, or even the color. The only reason that a 2-door may cost more than four-door cars to insure is because of the sort of car it is. A sports car that costs a lot to manufacture and is also seen as more of a high-risk car is naturally going to come with higher average premiums.

If you’re worried that you’re sitting in the seat of a car that’s expensive to insure, remember that it also comes down to how you drive. That 2-door sports car of yours might have a higher average cost, but if it’s a enjoyable, comfortable ride, you’re using any built-in or added safety features, and you’re a responsible (but maybe still fast) driver, it may just be worth it.