I agree. I too thought the convertible would be higher. I have State Farm and asked them to quote insurance on three cars; two convertibles and one coupe. I provided actual VINs for all three. All three were the same year and similarly equipped cars other than the convertible. Surprisingly the convertibles were both $40 cheaper every 6 months.My insurance was always the same when I had convertibles. It depends on the company and what not. Best to just go online and get a quote or call them and ask.