Two-Door Car Insurance
Contrary to popular belief, a two-door car isn’t necessarily more expensive to insure than a four-door car. In fact, the number of doors doesn’t really come into play when determining car insurance rates in Ontario.
You may have to pay more to insure a coupe or convertible, but your driving history, location and type of coverage will also affect your rates.
How Expensive Is It to Insure a Two-Door Car?
Our internal data shows that insurance prices vary significantly among two-door cars. The sample of Ontario premiums below ranges from $2,085 a year for a 2015 Honda Accord in Mississauga to $6,233 for a 2016 Honda Accord in Kitchener.
The Ford Mustang and Dodge Challenger came in above their respective city benchmarks, while the BMW 435i came in just below Toronto’s rate.
| Vehicle | City | New list price | Annual premium | City benchmark | Difference vs. city |
|---|---|---|---|---|---|
| 2015 Honda Accord EX-L V6 2Dr | Mississauga | $37,537 | $2,085 | $3,683 | -43.4% |
| 2014 Mini Cooper S 2Dr | Mississauga | $26,764 | $2,649 | $3,683 | -28.1% |
| 2016 BMW 435i xDrive 2Dr AWD | Toronto | $58,695 | $2,356 | $2,456 | -4.1% |
| 2025 Ford Mustang 2Dr | Brampton | $40,037 | $5,157 | $4,210 | +22.5% |
| 2017 Dodge Challenger SXT 2Dr | Oakville | $33,962 | $3,925 | $2,390 | +64.2% |
| 2016 Honda Accord Touring 2Dr | Kitchener | $33,852 | $6,233 | $2,167 | +187.6% |
The premiums above are based on a standard driver profile: someone between the ages of 35 and 44 with at least five years of driving experience, a clean driving record, $1 million in third-party liability coverage and $1,000 deductibles for Comprehensive and Collision coverage.
Keep in mind that comparability is limited because these are different vehicles from different model years and cities.
What Coverage Should I Get for My Two-Door Car?
Two-door vehicles are more likely to be sports cars, luxury coupes or other specialty vehicles that may be expensive to repair or have parts that are difficult to find.
As a result, it may be worth considering optional coverage such as Collision, which may cover damage caused by hitting another vehicle or object, and Comprehensive, which may cover theft, vandalism, fire, weather damage and falling objects.
If you’ve recently bought an eligible new car, you may also want to consider a depreciation waiver, known as OPCF 43 in Ontario.
Read More: See What Other Coverages Are Available in Ontario
Other Tips for Insuring Your Two-Door Car
- Inform your insurer about any performance-related modifications made to your car, such as exhaust-system upgrades, engine tuning or suspension enhancements. These upgrades may increase the car’s value and affect its risk profile. Failing to disclose modifications could affect a future claim.
- If your two-door vehicle is driven only on weekends or during the summer, ask about collector-car, seasonal-use or low-mileage discounts.
- Check the coverage limits for expensive accessories such as wheels, spoilers, body kits, sound systems, custom paint and vinyl wraps.
- Ask insurers about theft-deterrent discounts if your performance or luxury vehicle has an immobilizer or tracking system.
- Some insurers offer collector-car insurance with agreed-value coverage for qualifying classic and rare vehicles. Any claim payment remains subject to the agreed value and the policy’s terms, limits and deductible.
Frequently Asked Questions About 2-Door Car Insurance
Are two-door cars always more expensive to insure?
Not necessarily. According to our internal data, premiums appear on both sides of the applicable city benchmarks. The driver, location, coverage and specific vehicle carry more weight than a broad door-count rule.
Does a more powerful engine automatically raise your premium?
Not automatically, but it can contribute to a higher rate. A more powerful engine may place a coupe in a higher-risk category, but two cars with similar horsepower can still have very different premiums.
Should I drop Collision coverage on an older coupe?
This depends on your car’s current value and the cost of coverage. Compare your Collision premium and deductible with the payment you might receive if the car is written off.Read More: Should I Keep Collision Coverage on an Old Car?
