Watching a convertible drive around town with the top down on a nice summer day is almost enough to make anyone jealous. But are they worth it, and most importantly, are they safe? We weigh the pros and cons that come with purchasing a convertible, so you don’t have to.

Are Convertibles Safe?

The safety risk of driving a convertible is compiled of multiple factors. This depends on the year and model of the convertible coupled with the driving skills and safety precautions the driver takes. A convertible has minimal risk when it comes to rollovers due to its centered gravity, but in the instances where rollovers do happen, the risk of injury is higher compared to vehicles with a hardtop.

Regardless of statistics and vehicle type, it’s important to always wear a seatbelt and obey speed limits to reduce your risk of a crash.

Pros of Buying a Convertible

Let’s take a look at some of the perks offered when purchasing a convertible.


If you’re a car enthusiast, there’s no surprise that this is at the top of the list. Convertibles come in a variety of colors and models which can provide a sporty, sleek or classic look.

Road Visibility

One of the benefits of have a top-down convertible is it allows you to see more. Certain blinders are no longer in the way such as parts of the door frames or portions of the roof in the backseat that can block your view when switching lanes.


A convertible allows you the convenience of driving with the roof up or down, whether it’s based on the weather or your mood that day.

Cons of Buying a Convertible 

Although owning a convertible can be fun, it may not be practical for everyone.


With a moving roof it’s not surprising that convertibles are more expensive than their nonconvertible equivalents. This is due to manufacturers needing more advanced technology and mechanics to have the roof move while still meeting safety standards.

Theft Risk 

Driving around in a nice convertible can be a signal to others there may be valuables inside. This paired with the fact that they’re easier to break into (especially if the top is down) can invite the wrong individuals. It’s important to put your roof back up when parking and to keep your car locked when you’re not around.

Insurance Implications 

Car insurance is more expensive on a convertible because older models are deemed less safe, and these types of convertibles are more expensive to repair and replace.

Are Convertibles Worth it? 

Now that we’ve outlined a few of the pros and cons that come with owning a convertible, it’s up to you whether the pros outweigh the cons or vice versa.

No Matter Your Vehicle – We’ve Got You Covered 

Whether you go with a new convertible or a sedan, we’ve got you covered. Connect with a local agent for a quote on your ride.

Want to learn more?

Contact a local FBFS agent or advisor for answers personalized to you.