How safe are convertibles?

How safe are convertible cars? 3

There’s not much better than putting down the roof of a convertible and enjoying a scenic drive on a beautiful sunny day. While it’s hard to deny the joy of driving a convertible, many people assume it’s dangerous because there’s nothing to protect the occupants in a roofless accident.

But are these cars safer than people think? First, we’ll discuss how safe it is to drive a convertible, and then we’ll highlight some of the safest convertibles. Finally, we share tips about how to get convertible car insurance? for the best price.

Convertibles and safety

Convertibles do not have a fixed roof. Even with the hood up, it doesn’t have the same structure as a traditional car, so it goes without saying that convertibles are much more dangerous.

You may be surprised to learn that the data does not support that assumption. In an in-depth study of convertibles made between 2014 and 2018, the Insurance Institute for Highway Safety (IIHS) concluded that convertibles are just as safe as traditional cars.

The following are their data points to support that conclusion:

  • Driver crashes – Driver accidents per 10 billion vehicle kilometers traveled were 6% lower for convertibles.
  • Driver deaths – The death rate of drivers per 10 billion vehicle kilometers traveled was 11% lower for convertibles.

While the overall safety rates for convertibles are better, the risk of being ejected during a rollover crash is greater for convertibles than traditional cars. According to the same study, convertible occupants had a 43% chance of being thrown from the vehicle, while traditional car occupants had a 35% chance of being thrown from the vehicle in a collision with a car.

However, this metric was not enough to change the overall risk in a convertible, as rollover crashes are not common. In addition, the percentage of deaths from rollover accidents was similar between convertibles and coupes.

Convertibles produced before 2014 are unlikely to be as safe and potentially more dangerous than standard vehicles of the same model year. However, that applies to all vehicles, as current safety technology was not available in older cars.

Without the fear that convertibles are more dangerous to drive, you might consider buying one, especially if you’re planning an immersive experience of traveling to a scenic city.

Safest Convertibles

Advances in technology are constantly making the world easier and some of those advances have revolutionized vehicle safety.

While you can’t say convertibles are generally unsafe, some have more protective and advanced safety features than others. We’ll share some of the safest models next.

Chevrolet Camaro

The Camaro comes with safety features as standard, but you can add additional features at an additional cost, such as Forward Collision Alert, Blind Spot Alert and Rear View Camera. In addition, the construction of the vehicle body helps to protect the occupants from injuries. That and airbags are standard on all models.

Mercedes-Benz E-Class

This model has the ability to add some of the best preventative safety features available today, including automatic emergency braking and their proprietary PRE-SAFE system that coordinates various actions to reduce the impact of a crash and keep occupants safer. Another item that contributes to their superior safety is their adaptive high beam.

Mustang GT

The Ford Mustang has safety features to prevent collisions and protect the occupants in the event of a collision. Unfortunately, many of the crash prevention features are only available as an option and not by default. Since rollover crashes can potentially be problematic for convertible occupants, it is important to note that the rollover rate for this model is low.

Porsche Boxter

Like the other models on our list, the Porsche Boxter has several standard safety features, but the best and most advanced features are only available at an additional cost. Options include blind spot monitoring, adaptive cruise control and automatic high beam headlights.

Insurance for convertibles

Insurance for convertibles often costs more than insurance for sedans and coupes. One of the reasons for this is that convertibles tend to be sporty, and people tend to drive sportier cars more recklessly than other cars.

Having a clean driving record can help you get lower rates because that’s a primary factor that affects your auto insurance premiums.

If you’re looking for convertible auto insurance, check out the following tips to get the best deal.

Apply discounts

One of the most popular discounts is for bundling home and auto insurance. It’s not always the best route, of course, but it’s always worth considering and getting a quote from the insurer you have for your home.

You could get a military discount if you are or have been in the armed forces.

If you plan to use your vehicle primarily for occasional pleasure rides, you may qualify for a low mileage discount.

Each insurance company develops its own list of discounts, so you’ll want to know what’s available for your situation and apply everything you can.


While auto insurance companies use the same factors to calculate insurance rates, they all use different formulas. So, while one company might charge you twice as much to insure a convertible, another might charge barely more.

When comparing quotes, be sure to compare identical coverage and deductibles to ensure you get accurate quotes.

Drive carefully

If you have speeding and accidents on your record, you’ll pay higher insurance premiums, and if you get a DUI, your rates can get even higher. Fortunately, you can avoid fare increases by driving carefully and following the traffic rules.

If you own a convertible, you can drive with confidence knowing that convertibles are just as safe as their coupe counterparts. To further enhance your driving pleasure, protect your convertible with adequate auto insurance and drive safely to keep your rates low.

About the author:

Melanie Musson writes and conducts research for the auto insurance site, She enjoys helping others understand their insurance needs so they can protect their current and future financial stability.

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