I wouldn't have bought it if it didn't have back seats.
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Originally Posted by p1l0t
I tell people they are there to keep the insurance affordable. Not sure if that's true.
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Quote:
Originally Posted by NCtoBRZ
It’s not true, having back seats does not impact insurance rates. The reason that some 2 seaters have higher rates is because 2 seater vehicles are often performance cars and a higher perceived risk to the insurer... just adding a small rear seat to a sports car does not lower its perceived risk. In fact, insurance for my BRZ is higher than any of the 2 seater cars that I’ve owned.
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It depends on the state. In NY the difference is usually about 10% less for a 2 door car with back seats than without although the difference can be wider on exotics. Miatas not so much but on a Lotus you'll get dinged pretty hard.