Is Car Insurance More Expensive If You Drive A Convertible? 
Car insurance rates for convertibles will vary , depending on the value of the vehicle , where you live , your driving record , and what discounts are applied . Since many convertibles are more expensive than other vehicles , rates are sometimes a bit higher . But there are many low-insurance-priced options that you 'll definitely enjoy driving . LIVE answer provided by : Ed Harris - Premier car insurance broker since 1980 and owner of several top-rated auto websites that provide the lowest available rates . 