According to the Department of Transportation, speeding is still one of the leading causes of car accidents.
Size, weight and type of car all determine top speed capabilities. Bigger, bulkier cars are typically slower than two-seater coupes.
Additionally, many believe there is a correlation between drivers of varying vehicle types and their driving habits. A mom of three, for example, with the lives of children in her care, will likely not drive a convertible roadster, whereas a young, single bachelor might.
For these reasons, insurance companies consider the younger, single convertible driver to be more of an insurance risk. So that driver will pay more for the additional coverage an insurance company believes they will need to protect the driver from himself.