Insuring a high-performance car
Rated on repair cost and on risk — and track days are usually excluded.
Performance vehicles attract higher premiums for two compounding reasons: they're expensive to repair, and the claims data associated with them differs from ordinary vehicles.
Two things matter more than the rest here — modifications, and what happens on a track.
Track use is generally excluded
Most personal auto policies exclude racing, timed events, and track use. That commonly includes organised track days and high-performance driving events, even non-competitive ones.
If you take the car on track, assume you're not covered unless you've specifically arranged it. Specialist track day insurance exists as a separate product — this is not a gap to discover after an incident.
Modifications must be declared
Performance modifications affect both value and risk, and undeclared ones can affect a claim. Standard policies also cap custom equipment at a modest figure.
Declare what you've fitted, keep receipts and photographs, and ask whether a custom equipment endorsement is needed.
What underwriters consider
- The vehicle's power and performance figures
- Repair costs and parts availability
- Your driving record, weighted more heavily than usual
- Your age and experience
- Where the car is kept and how it's secured
- Annual mileage and how the car is actually used
Low mileage can help
Many performance cars are second vehicles driven occasionally. If that's true of yours, make sure the policy reflects a genuinely low annual mileage rather than a default figure — it's one of the more effective levers available here.
Common questions
Generally not. Most personal auto policies exclude track and timed events, including non-competitive high-performance driving events. Specialist track day coverage is a separate product.
Yes. Undeclared modifications can affect a claim, and standard policies cap custom equipment at a modest figure. Declare them and keep documentation.
Performance vehicles amplify the consequences of a driving error, so underwriters generally weigh record and experience more than on an ordinary vehicle.
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This page is general information, not advice about your specific circumstances. A licensed insurance professional can tell you what’s actually available to you.
General information only, not insurance advice. Coverage, availability, and terms vary by insurer and by state, and are subject to underwriting. Quote My Policy LLC is a licensed insurance producer. Nothing here binds coverage.