Question: How is the Honda Civic coupe classified in comparison to the Civic sedan? Will a coupe have a higher car insurance rate than a sedan?
Answer: More often than not, car insurance providers will find one or more of the risk factors associated with a coupe to push the cost of its coverage higher than that of the same model sedan, and this is what we found with the Honda Civic.
For insurance companies to come up with the vehicle classifications and ratings for each make and model vehicle, they take into account several rating factors, including:
- Initial purchase price of the vehicle
- Cost of repairs
- How often the model/type of vehicle is involved in an accident
- Safety ratings
- Top speed/horsepower
- Rate of theft
Using these factors, two-door coupes are typically more expensive to insure than a four-door sedan, but this isn’t true all of the time since insurance companies rating systems and vehicle rating classifications do differ.
For an example of the rate differences, we ran a quick quote for a 30-year-old single male living in Edmond, Oklahoma, for a 2012 Honda Civic sedan and a coupe. We chose bodily injury liability limits of $50,000 per person, $100,000 per accident, and $50,000 for property damage liability (50/100/50 coverage) and carrying collision and comprehensive insurance coverages with $500 deductibles each.
The sedan came back with a rate of $1,626 a year and the coupe $1,838, so the coupe in this rate comparison was more expensive by $212 per year.
The differences were seen in higher rates for bodily injury liability, collision and comprehensive coverages. Comprehensive (coverage that protects against theft) went up the most; this coverage was $144 more a year for the coupe than the sedan.
If you are shopping for a new car and a Honda is at the top of your list, we’ve compiled auto insurance rate comparisons for several Honda models. Remember, your car insurance rates will differ based on your location, driving record, annual mileage and other important rating factors.
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