One way to classify cars is by two-door or four-door models. For the most part, two-door models tend to be smaller and sportier than four-door models, which makes them “cute” or “sleek” and often fun to drive. Many younger people, and even some older ones, are drawn to the sportiness of two-door models, and prefer them to “family sedan” types of cars which can appear dowdy by comparison. However, two-door cars have one disadvantage which cannot be avoided: they can be more expensive to insure.

Why are 2 door cars often more expensive to insure?

There are several reasons a two-door car is often more expensive to insure than a four-door model. First, because two-door types are sportier and often boast more powerful engines, it is natural that they will be driven faster and the drivers of these cars often get more speeding tickets. They could also be involved in more serious wrecks because of higher-speed operation. Because of this, these cars are statistically a higher risk for car insurance companies than four-door cars, and insurance rates are accordingly more expensive.

Another reason insurance rates are higher for two-door models is safety issues. If a two-door model has a back seat, passengers in the back seat will have a much harder time exiting the car in case of an accident than back-seat passengers in a four-door model. Two-door models also tend to be smaller, and provide less protection for driver and passengers than many four-door models.

Of course, not all two-door cars are classified as sports vehicles, and consequently do not carry high insurance price tags. What really tends to determine whether a two-door car is going to cost a great deal to insure is the size of the engine and the safety rating of the car itself. Two-door, two-passenger coupes such as the Nissan Z series or the Chevrolet Corvette will likely have very high insurance price tags. Not only do these cars provide little protection in an accident, but they also have relatively large engines and will travel at high rates of speed. On the other hand, the VW Beetle, Yugo, and Ford Fiesta are two-door models which usually do not have high insurance rates because they have small engines, are considered “safer” two-door cars, or both.

What else affects the cost of car insurance besides a 2 or 4-door vehicle?

Your driving record and age will also certainly affect how much you pay for insurance for a two-door car. If you are under 25 and buy a two-door sports car, you can expect to pay very high insurance rates, as young people are considered very high-risk and have frequent accidents when driving two-door sports cars. If you add in a speeding ticket or two to your driving record, it is very possible that the insurance rates for a particular two-door sports car may be so high that you cannot really afford to drive the car. A similar situation can arise if you are an older driver. Many older drivers, who finally have the money to afford the “car of their dreams,” buy sports cars they have always wanted, only to find that their insurance rates are higher than they anticipated due to being in a higher-risk group because of age.

Another factor that will affect your insurance rates is the sticker price of the car. The more expensive a car is, the more it will cost to fix or replace if it is wrecked. If you carry collision and comprehensive coverage on your two-door sports car, as you probably will have to if it is financed, expect higher premiums for these coverage options, as they are the types of insurance which have to pay out if you damage your vehicle. Even a small dent or scrape can cost a large amount of money to fix on a two-door sports car; parts tend to be more expensive for these cars, and labor costs can also be high if the car is not a common model and a specialized mechanic must do the work.

You can find affordable prices on your insurance for any type of car by comparing quotes from various companies. Start your car insurance comparison search here and compare quotes from many different companies to find the right coverage to fit your needs.