Although it’s widely believed that drop-tops cost more to insure than other cars, that’s not necessarily the case. The cheapest convertibles to insure can, in fact, be very cheap to insure.
According to some experts, the vehicle with the industry’s second-lowest insurance rates in the industry is an open-air model. And a number of our favorite convertibles actually have insurance costs that are below the national average for vehicles of all types. What’s more, in some lineups, coverage for the drop-top version of a car can even be less pricey than for the same model with a fixed roof. Just remember that insurance costs can vary widely depending on factors such as the exact trim level of the vehicle, your past driving history, and where you live. Our starting point: premium estimates from our friends at Insure.com