Car rates

Will a sunroof increase your car insurance rates?

Naturally, certain vehicle characteristics result in higher damage risks. That’s why sports cars cost more to insure than compact sedans. However, you may be specifically wondering about certain accommodations that drive up your insurance rates. After all, insurance costs will impact your cost of ownership and can play a role in how you decide which car to buy.

A popular feature among many vehicles today, even trucks, is the sunroof or sunroof. There’s something upscale about having a panoramic view or opting for a hair-blowing experience in a non-convertible ride. However, will adding the sunroof to your new car increase your monthly insurance premium?

Different types of sunroofs

The sunroof of the BMW Vision i Next | Krisztian Bocsi/Bloomberg via Getty Images

Innovation has improved just about every aspect of the modern vehicle. Sunroof technology is no exception. There are different designs and types of sunroofs, each with their own unique benefits and adding to the in-car experience.

There are panoramic roofs, for example, stretching almost the length of the vehicle providing a view of the sky for front and rear passengers, according to Allstate. There are also retractable or integrated sunroof designs, providing push-button access to airflow. These variations tile up and slide back on the roof of the car. So, do these features impose additional risk of mechanical failure or safety issues?

Will a sunroof increase your insurance premiums?

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Sunroofs are generally optional features that you can add to your vehicle, including on new cars and older vehicle models as an aftermarket installation. Regardless of your model, a sunroof will cost more as an add-on, and as Erie Insurance points out, it can also cost you more in insurance coverage.

Because sunroofs and sunroofs of all types are more expensive accessories, they also add to the value of the vehicle, which results in higher insurance costs compared to cars without them. However, other riskier aspects of this feature, such as its glass material, present potential issues of shattering or breaking in a collision. It can also contribute to a higher monthly insurance premium.

What can go wrong with a sunroof or sunroof?

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Insurance coverage is designed to offset repair costs should something go wrong with your car. You can expect slightly higher rates when you insure a vehicle with a sunroof for several reasons. For example, sunroofs are prone to rock chips or glass cracks, and these types of insurance claims are quite common. Settling a glass claim in 2018 cost around $350, which was already almost $75 more than in previous years.

Sunroofs pose additional risks of water leaks, especially when seals age or become damaged due to exposure to the elements. There are drainage systems built into your car’s sunroof mechanism. However, debris, dirt buildup, and ordinary wear and tear can result in a slow dripping or cascading gush from your sunroof. Also, not all insurance plans cover damage to sunroofs with general wear and tear, like car insurance shares.

Finally, the glass on your roof is more likely to break in a major or minor accident. In any scenario where your airbags deploy, the pressure alone can dislodge the sunroof seal. In addition to the additional risks for the occupants in the event of an accident, these are more expensive to repair.

So consider this information when considering adding a sunroof to your new or used car. Yes, they are fun and add to the riding experience, with amazing views and flowing summer breezes. However, they will also cost you during installation and add to your monthly insurance premiums. Additionally, you’ll want to check with your insurance provider for your coverage costs and options before deciding to install a sunroof or sunroof.

RELATED: Do convertibles cost more to insure?