20 Formal Coat Outfits for Women and Polished Looks to Save

Looking for formal coat outfits for women that go beyond an all-black look? Cream coats, matching burgundy pieces and brown trousers give you plenty to choose from.

These ideas range from dressy combinations to a few casual looks with jeans, plus a blazer outfit if you prefer something shorter.

You can keep things simple or go a little dressier with gold-tone buttons and pointed heels. Start with your favorite coat, then pick the little details you want to try.

Coat outfit ideas worth saving

camel coat and blue jeans

We’re starting off with this pretty camel coat and black high-neck top. I love the wide lapels and the simple blue jeans underneath.

This one leans casual rather than formal. Swap the jeans for black tailored trousers if you want to take the same color combination somewhere dressier.

black from top to toe

Don’t want to spend time matching different colors? No problem!

Try this long black coat with a fitted black top and wide-leg trousers. The narrow belt and pointed shoes are all this outfit needs.

fitted coat and white collar

This black coat may just be one of my favorites here. I love the fitted waist and that little bit of white showing at the neckline.

Keep the pointed black boots and gloves if you want to follow this look. The black bag with its gold-tone chain is such a pretty finishing touch.

brown layers and a tie

How good is this brown combination? The long coat sits over a buttoned vest, white shirt and dark tie, with wide-leg trousers below.

Read also: 20 Outfits for Tall Women With Wide-Leg Pants, Long Dresses and Easy Layers

Try large hoop earrings like these if you want to add a little shine. I’d keep the dark bag and gloves too.

gray coat and tall boots

I love this gray coat with the cream top and short dark bottoms. The white socks peeking above the tall black boots are such a cute detail.

This is another less formal option. Keep the black headband if you want to recreate that same simple accessory pairing.

navy coat and matching trousers

If you’re looking for coat outfits for women formal enough for the office, this navy combination is a lovely starting point. The long double-breasted coat matches the trousers, with a beige top underneath.

I especially love the layered gold-tone necklaces. Add a black belt and structured bag to follow the outfit shown here.

cream over chocolate brown

I am obsessed with this cream and brown pairing. The dark buttons on the coat look so pretty beside the brown high-neck top and trousers.

Leave your coat open if you want to show the matching pieces underneath.

Read also: 20 Outfit Ideas for a Large Bust and Small Waist

pale coat and black skirt

If you prefer skirts to trousers, this one is for you. A long pale coat goes over a black high-neck top and fitted skirt, with tall black boots below.

The decorative gold-tone buckle is my favorite part. Try a small pendant necklace rather than a large one to keep that same understated look.

navy and a gray turtleneck

Here’s another jeans outfit if you want to wear your long coat more casually. I love the gray turtleneck with the navy coat and black ankle boots.

The large brown bag is a nice change from black. For a dressier version, you could switch the cropped jeans for gray trousers.

big brown collar and white suit

If you are looking for a true statement collar, then this one is for you. This collage pairs a short black belted coat with an oversized fluffy brown collar and a white trouser suit.

The glossy black pumps are gorgeous beside the white trousers. Choose a black quilted bag with a chain strap to follow the rest of the collage.

burgundy with a gold buckle

Who says you have to stick to black? This burgundy coat, high-neck top and wide-leg trousers look so pretty together.

I love the decorative gold-tone buckle at the waist. I’d leave the rest of the accessories simple.

gray coat and black tie

This is another shirt-and-tie look, but it’s a little different from the brown outfit above. The white collar and black tie peek above a dark top underneath the gray coat.

The black gloves and structured handbag are worth keeping. Add red lipstick if you like that little touch of color.

cream cape and gold buttons

How pretty is this cape-style coat? I am obsessed with the cream color and those two rows of gold-tone buttons.

The tiny white quilted handbag is adorable beside it. Try small drop earrings like these rather than adding a necklace around the high neckline.

brown coat over black

If you are looking for something simple to put together, this one is for you. Pair a brown coat with a black turtleneck and wide-leg trousers.

The curved black shoulder bag is my favorite little detail here. Black gloves, pointed shoes and a plain belt finish the outfit without adding another color.

Read also: 19 Fashion for Older Women Ideas With Color, Prints and Pretty Details

small checks and cream trousers

The pattern fans are going to love this! Instead of a plain coat, there’s a small brown-and-cream check with dark buttons.

I love the cream wide-leg trousers underneath. Keep a dark gray high-neck top and brown pointed shoes if you want to try this same combination.

Read also: 20 Silk Top Outfit Ideas and More Pretty Ways to Style Your Tops

taupe coat and white neckline

Don’t want to go overboard with accessories? No problem!

This taupe coat, white turtleneck and black trousers make a pretty outfit all on their own.

The collage adds a small pendant and a black shoulder bag. I especially like the white shoe tips showing beneath the wide hems.

green blazer and black pants

This one is a blazer rather than a long coat, but that deep green is too pretty to overlook. I love it with the black lace-trimmed top and cropped trousers.

Keep the black pointed pumps for a dressy finish. You could add a long black coat over the outfit if you need an outer layer.

black layers and gold details

I am obsessed with the little gold-tone details in this collage. The belt decoration, watch and bag hardware dress up the black coat, turtleneck and wide-leg trousers.

Read also: 20 Work Outfits With Sneakers to Inspire Your Weekday Wardrobe

Try glossy pointed ankle boots like these if you want a little shine without adding a new color.

gray coat and long skirt

This gray skirt outfit may just be my favorite of the matching looks. The long coat and turtleneck stay in the same color family, with a black belt at the waist.

Those pointed shoes with little buckled straps are so pretty. Keep the black bag and gold-tone hoops if you want the same finishing touches.

long black coat and quilted clutch

Last but definitely not least, we have this long black coat with wide-leg trousers and a high-neck top. I love the dark brown quilted clutch!

The gold-tone earrings add just a little shine. This is a lovely option if you want a dressy outfit without lots of different colors or patterns.