A coupe is a car with a fixed-roof body, which is usually designed as a sportier car. When comparing sedans and coupes, the sedan traditionally has four doors, while the coupe only has two.

Coupes often have the rear seats cut out, creating a roomier atmosphere for the front row seating. In general, coupes are referred to as “sports cars” or “luxury cars”.

However, these models are not labeled as “family cars” and often attract those looking for speed and extravagance.

Sportier cars often attract higher insurance rates, but many drivers still prefer them over other models. For those who are wondering ‘Do coupes cost more to insure in Ontario?’, the straightforward answer would be yes.

The Most Expensive Cars to Insure

Expensive Cars

 In 2017, the least expensive vehicles to insure included the Honda Odyssey LX, the Jeep Renegade Sport and the Jeep Wrangler Black Bear. Their average annual premiums came to $1,112, $1,138 and $1,148 respectively.

These insurance costs were much lower than the national average, which sat at $1,605 in 2017. Even the most expensive car on the cheap list, the Ford Edge SE had an affordable rate of $1,221.

Each of the four cars listed is a 4-door style. For those who are looking for the best insurance rates, considering a 4-door option may be ideal.

In comparison, some of the most expensive vehicles to insure included the Mercedes S65 AMG, the Dodge GTS Viper, and the Mercedes S63 AMG 4Matic. Their annual insurance rates were $3,835, $3,779 and $3,624 respectively.

Each of the top three were 2-door models, suggesting that this style does in fact bring in high insurance rates. However, there are some 4-door models in the top 20 list.

Most Expensive Car Insurance Rates

RankMake/ModelAverage annual premium
1Mercedes S65 AMG (convertible)$3,835
2Dodge GTS Viper$3,779
3Mercedes S63 AMG 4Matic (convertible)$3,624
4Maserati Quattroporte GTS$3,547
5Mercedes S550 (convertible)$3,502
6Mercedes C43 4Matic (convertible)$3,418
7Mercedes Maybach S600$3,355
8Mercedes SL65 AMG (convertible)$3,322
9Nissan GT-R Nismo$3,313
10Audi R8 5.2L V10 Quattro$3,267
11BMW M6 Gran Coupe$3,211
12Audi S8 4.0T Quattro Plus$3,208
13Audi RS7 Quattro Prestige$3,176
14Mercedes AMG GT$3,164
15Mercedes C300 (convertible)$3,157
16Mercedes S600 Bi-T$3,111
17Porsche Panamera Turbo Executive$3,059
18Porsche 911 Turbo S$3,050
19Jaguar F-Type SVR (convertible)$3,035
20BMW Alpina B6 XDrive Grand CP$3,030

Surprisingly, only a little over half of the cars mentioned in the list are actually 2-door cars. The other half include luxury vehicles with 4-door designs.

While 2-door cars earned the top insurance spots, there are a wide range of 4-door models with expensive rates.

So, do coupes cost more to insure in Ontario? It seems updated designs in both 2 and 4-door cars has a lot to do with the new findings.

The Evolution of the Coupe  

2 door cars

While it used to be that 2-door cars almost always cost more than 4-doors, the rules seem to be changing.

The coupe is defined as being a 2-door car, but over time this definition has changed. Many companies are building coupes that maintain 2-doors, but that offer two rows of seating.

Additionally, companies like Mercedes Benz were one of the first to introduce a 4-door coupe in 2006. The idea was that it would have the convenience of a sedan while still having the aesthetic of a coupe.

Over time, this style of car has grown in popularity. More companies have begun to take on the “4-door coupe” idea, with some even being marketed towards families.

A list of the 10 best 4-door coupes in 2017 includes the 2017 Aston Martin Rapide S and the 2017 Audi S7. The cars themselves aren’t cheap (the Audi S7 costs $79,900), but many drivers appreciate the family/luxury car for all situations.

What Does It All Mean?

 The coupe used to be seen as only a 2-door design. Now that the 4-door has come into play, it’s not as easy for insurance companies to label them as sports or luxury vehicles.

However, for the most part, both 2-door and 4-door coupes run an expensive price tag regardless. The coupe still maintains an air of luxury, and prices reflect this.

Those who are thinking about buying a coupe might consider a 4-door for lower insurance. However, the up-front costs may still be fairly expensive.

Cars with Cheaper Insurance  

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When it comes to car insurance, some vehicles will cost more than others. This is based on a range of factors, including:

  • Manufacturer: Depending on where the car is made, it may be a higher risk for insurance companies. For example, cars like BMW’s and Audi’s have foreign manufacturers and often higher insurance rates.
  • Size of the engine: A larger engine often raises flags for faster cars and more speeding tickets.
  • Parts: If the parts of a car are harder to obtain, companies may use this as a reason to increase rates. If the car should ever be in an accident, it will be harder to replace the parts, making the car a higher risk.

Anyone who is looking for a car with cheaper insurance might consider a different car model. With so many options to choose from, there are lots of cars that offer similar looks and levels of performance to the coupe.

Conclusion  

It’s fairly common for sports and luxury cars to have higher insurance rates. This is based on a number of factors, including the price for parts, manufacturer, speeding tickets, etc.

Drivers who appreciate a more luxurious car can assume that their costs will be fairly higher than a family car. Luckily, there are always ways to find lower insurance rates.

Factors like a clean driving record, safety features, and 4-door models are all ways to help obtain more affordable rates.

Resources:

https://www.insure.com/car-insurance/insurance-rates-by-car.html
Image: https://www.insure.com/car-insurance/insurance-rates-by-car.html
https://www.autobytel.com/car-buying-guides/features/10-best-4-door-coupes-for-2017-131807/