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As you prepare to hit the open road in your sleek and sporty coupe, it’s crucial to consider the financial responsibility that comes with owning a high-performance vehicle—insurance.

Coupe insurance rates can often be higher than those for other types of vehicles. The unique characteristics of coupes, including their powerful engines, sleek designs, and higher risks associated with sporty driving, play a significant role in determining insurance premiums. However, understanding how these rates are calculated and exploring ways to save can help you navigate the insurance landscape with confidence and potentially reduce your costs.

In this article, we will delve into the average coupe insurance rates, which are the most expensive and least expensive coupe, which are the mos affordable coupes to insure, the states which offer cheap coupe insurance rates, rate comparison between a coupe and a sedan. We also cover some tips and tricks to save on coupe insurance rates. Lets dive in.

Average car insurance rates for coupes

Based on the data provided, the average insurance rate for coupes is $2,578 per year. The average maximum insurance rate for coupe is $1,577 more than the average coupe insurance rates. On the other hand, the average minimum rate for insuring a coupe is $1,765 per year. Table name: Average coupe insurance rates

Average coupe insurance rate Average Maximum insurance rate Average Minimum insurance rate
$2,578 $4,155 $1,765

Most expensive coupes to insure

The average monthly premium for the most expensive coupe, the BMW M8 Competition XDrive, is $346. This is nearly $130 more than the monthly premium of the Ford Mustang Shelby GT500, which is the lowest rate amongst the most expenisve coupes in this list at $216 per month.

Table name: Most expensive coupes to insure

Make Model Avg. Annual Premium Avg. Monthly Premium
BMW M8 Competition XDrive $4,155 $346
Audi R8 5.2L V10 Quattro Performance $3,904 $325
Porsche 911 Turbo $3,834 $319
Acura NSX Type S $3,626 $302
Jaguar F-Type R $3,550 $296
Dodge Challenger SRT Hellcat $3,396 $283
Lexus RC F Fuji Speedway Edition $3,308 $276
Mercedes C63 AMG S $2,893 $241
Infiniti Q60 Red Sport 400 $2,648 $221
Ford Mustang Shelby GT500 $2,593 $216

⚡ Tip to save on coupe insurance rates

Consider Storage Options: If you have a coupe that you don’t use year-round, consider storing it in a secure location, such as a garage. Insurance providers may offer reduced rates if your car is kept in a safe and protected environment.

Most affordable coupes to insure

The Chevrolet Camaro 2LT is the cheapest to insure, with an average annual premium of $1,765 and a monthly premium of $147. On this list, the BMW 430i SULEV has the highest rates, with an average annual premium of $2,319 and a monthly premium of $193.

Table name: Car insurance rates of the most affordable coupes

Make Model Avg. Annual Premium Avg. Monthly Premium
Chevrolet Camaro 2LT $ 1,765 $ 147
Subaru BRZ Limited $ 1,960 $ 163
Ford Mustang GT $ 1,986 $ 165
Mercedes CLA250 $ 2,085 $ 174
Dodge Challenger SXT $ 2,134 $ 178
Toyota GR Supra $ 2,162 $ 180
Lexus RC 300 $ 2,184 $ 182
Audi A5 2.0T Quattro Premium $ 2,224 $ 185
Porsche 718 Cayman $ 2,300 $ 192
BMW 430i SULEV $ 2,319 $ 193


Modifications Influence Coverage: Many coupe owners enjoy customizing their vehicles with modifications such as spoilers, body kits, or engine enhancements. It’s important to note that these modifications can impact insurance coverage and premiums. Some insurers may require additional coverage or charge higher premiums to adequately cover the modified components.

State which offer cheap car insurance rates for coupes

Alaska offers the lowest average annual premium for coupe insurance at $1,948 per year, while Washington D.C. has the highest average annual premium at $3,687 per year. California, Colorado, and Delaware also have relatively high average premiums for coupe insurance, with annual rates of $3,252, $3,066, and $2,570, respectively.

Table name: Car insurance rates for coupe by state

State Avg. annual premium Avg. monthly premium
Alaska $1,948 $162
Connecticut $2,240 $187
Alabama $2,527 $211
Arizona $2,550 $212
Delaware $2,570 $214
Arkansas $2,865 $239
Colorado $3,066 $255
California $3,252 $271
Washington D.C. $3,687 $307

Coupe vs sedan insurance costs: Unveiling the cost differences

Comparing the average insurance rates for coupes and sedans, coupes are generally more expensive to insure. The average annual premium for coupe insurance is $2,578, while the average annual premium for sedan insurance is $2,131, a difference of $447 per year.

Avg. Coupe insurance rate Avg. Sedan insurance rate
$ 2,578 $ 2,131

Frequently Asked Questions

Is a coupe expensive to insure?

Yes, generally speaking, coupes tend to be more expensive to insure compared to other types of vehicles. There are several factors that contribute to this higher insurance cost. They are:

  • Powerful engines and sporty performance capabilities. Insurance companies take this into account when determining premiums, as higher-performance vehicles are associated with a higher likelihood of accidents and expensive repairs.
  • Increased risk of theft.
  • Cost of parts and repairs for coupes are higher compared to standard sedans or compact cars.

Which is better for cheap car insurance sedan or coupe?

Based on the data provided, sedans are generally cheaper to insure than coupes, with an average annual premium difference of $447. However, individual insurance rates will vary based on factors like the specific make and model of the vehicle, driving history, location, and coverage levels.

Which companies offer cheap car insurance for coupes?

Among the six major insurance companies listed, State Farm offers the cheapest car insurance for coupes, with an average annual premium of $1,793 and a monthly premium of $149. Allstate is notably the most expensive, with an average annual premium of $3,822 and a monthly premium of $318. Other insurance companies, such as Nationwide, Geico, Progressive, and Farmers, offer varying rates in between these two extremes.

Company Group Avg. Company Annual Premium Avg. Monthly Premium
State Farm $ 1,793 $ 149
Nationwide $ 2,169 $ 181
Geico $ 2,358 $ 196
Progressive $ 2,480 $ 207
Farmers $ 2,973 $ 248
Allstate $ 3,822 $ 318


Coupes are generally more expensive to insure due to their powerful engines, higher risks associated with sporty driving, attractiveness to thieves, and higher repair costs.

The article presents data on average coupe insurance rates, highlighting the most expensive and least expensive coupes to insure. It explores the differences in rates between coupes and sedans – here sedans are cheaper to insure, and provides information on the states that offer cheaper car insurance rates for coupes – Alaska being the cheapest and Washington D.C being the most expensive state.

By understanding the factors that contribute to coupe insurance rates and implementing money-saving strategies, you can make informed decisions, find suitable coverage for your coupe, and potentially save on insurance costs.


CompuQuote commissioned 2022 data for Coupe insurance rates from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • 12-mile daily commute and 10,000 annual miles
  • Good credit
  • Clean record

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $50,000 property damage per accident
  • $500 comprehensive and collision deductible

CompuQuote analyzed rates for around 1278 vehicles from 57 companies for more than 45,740,880 million quotes. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

About the Author: CompuQuotes Editorial
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