Is insurance for a two-door car expensive?
Insurance for a two-door car can be more expensive if you’re driving a sports car or luxury vehicle. The easiest way to tell if your two-door car insurance will be more expensive is to look at the price tag. If your 2-door car was more expensive to purchase than your 4-door car, the auto insurance will cost more. To get cheaper rates, start comparison shopping online with our free tool below. Enter your ZIP code now to get free quotes.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
UPDATED: Jan 11, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.
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?
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.