When buying a new car, especially a coupe, it’s crucial to consider how much insurance will cost. Additionally, your monthly auto insurance premium amount will be determined by several factors. The best insurance companies for coupes are among the most important things to think about.
A coupe car is derived from the French word for “cut”. This is because many coupes have only two doors instead of four. Because coupes are usually more valuable than regular cars, car insurance for them is frequently more expensive. Additionally, if they have strong engines that allow them to reach extraordinarily high top speeds, they might be more appealing targets for auto theft and pose a risk to other drivers.
Best Insurance for Coupes
If you mandate getting the best car insurance for coupes, it would probably be assessed by your rating factors and insurance preferences. Coupes that are categorized as luxury or sports cars often cost more to insure, as do those with high rates of theft, unsatisfactory safety ratings, and high repair expenses.
In addition, we have selected several insurance companies that offer the best car insurance for coupes based on several factors. These factors include the competitive average rates with high ratings for financial stability, robust digital tools, high customer satisfaction, and a wide range of coverage options and discounts.
USAA
One of the best providers of coupe auto insurance is USAA. Even though USAA is limited to serving active duty members, veterans, and their families, the carrier routinely receives high marks from J.D. Power for customer satisfaction and offers attractive average rates for coupe drivers. Although the provider offers several coverage options, service is only offered online and over the phone. This includes rental reimbursement and roadside assistance. This process might be a deal-breaker for drivers who would rather deal with an agent in person. However, only active duty personnel and their families are eligible for USAA.
GEICO
It is not surprising to see GEICO on the list of the best auto insurance for coupes, given that it’s the second-largest auto insurer in the US. This provider offers a variety of opportunities for potential savings. This include discounts for military members, good students, bundling products, and professional affiliations. However, it does not have the lowest average rates for coupes. Despite having fewer local agencies than some of its rivals, GEICO offers digital policy management through a feature-rich website and mobile app.
AMICA
AMICA is well known for its excellent customer service and wide range of coverage options. Drivers gave the carrier’s quality of service the highest overall customer satisfaction score, indicating that they are happy with it. Although AMICA offers a wide range of endorsements and discounts, its average rates are not as low as those of some other carriers. For coupe drivers, AMICA may be a wise choice to consider. However, all states offer AMICA auto insurance for coupes, except Hawaii.
Nationwide
Nationwide can be considered one of the best insurance options for coupes because of its competitive pricing for high-end vehicles. Additionally, it offers excellent deals for drivers with a history of speeding tickets. Moreover, when looking for premium auto insurance for coupes, Nationwide has reasonably competitive rates for a range of driving profiles. Furthermore, there are some states where nationwide auto insurance for coupes is unavailable. There is coverage available in Washington, D.C., and 46 states. Currently, coverage is not available to drivers in Massachusetts, Hawaii, Louisiana, Alaska, or Hawaii.
State Farm
For drivers who require local agent-assisted coupe insurance, State Farm might be a good choice. The company provides a large network of regional agents, two safe driving initiatives, excellent customer satisfaction ratings, term life insurance without an exam, and well-regarded mobile tools. Additionally, only a few standard endorsements are provided by State Farm, including travel expense coverage, roadside assistance, and ridesharing coverage. State Farm offers different discounts depending on where you live. However, many states have extensive lists of discounts for auto insurance.
Erie
Erie has an outstanding A-grade from collision repair experts for its claims procedures, demonstrating that it offers excellent claims service. In addition, Erie offers competitive rates for high-end vehicles and receives few complaints about its auto insurance for coupes. The provider offers gap insurance, accident forgiveness, vanishing deductibles, new car replacement for older cars, and rideshare insurance for luxury car use on Uber or Lyft.
FAQs
Is car insurance for coupes more expensive?
Yes, car insurance for coupes is typically expensive. Luxury or sports cars may incur higher rates due to high theft incidents, while coupes with strong safety ratings and low repair costs may have lower rates.
What’s the difference between a sedan and a coupe?
Sedans typically have four doors, while coupes typically have two. A more precise distinction is that sedans can accommodate more space in the back seat, at least 33 cubic feet, while coupes can only accommodate less.
Are two-door cars considered coupes?
Although two-door vehicles are typically classified as coupes, they can also be classified as sedans if the rear seat has more than 33 cubic feet of space.
