Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • A kit car can be a fun investment for a car enthusiast, and just like any other vehicle driven on US roads, kit cars need auto insurance.
  • When it comes to kit cars, traditional insurance won’t suffice, you need coverage that is specially designed for a kit car.
  • You can purchase insurance for your kit car via a traditional auto insurance company that offers this coverage or a specialty insurer.
  • This type of insurance is not as flexible as regular car insurance. There might be a few restrictions, including the number of miles the vehicle should cover in a calendar year.

Kit cars, also known as component cars, are automobiles sold by the manufacturer as parts that the buyer can assemble into a functioning car. Buyers purchase sets of different car parts and assemble them on their own.

The most important detail here is that the owner builds a vehicle that is customized to every last detail. Building a kit car can take time usually pretty extensive, but the actual time taken depends on the kit itself. These cars cost a lot of money, which is why owners need to make sure that they have purchased the right type of insurance for their models.

When shopping for auto insurance products for your kit car, go online and get quotes from many providers. Compare the quotes you obtain in detail, take your time. Comparison shopping is the most effective way of bringing auto insurance costs down.

Learn more about auto insurance below and make sure you use our free insurance comparison tool above! Just enter your zip code in our quote tool and start comparing rates now!

Risks That Kit Cars Face


In addition to all the risks associated with regular vehicles, kit cars are more susceptible to dangers such as theft and vandalism. The high theft risk is attributable to the pricey nature of some of the car’s components.

These vehicles are prime targets for car thieves trying to salvage or sell their unique parts, lightweight bodies, and powerful engines.

When assembling a kit car, you might want to consider installing anti-theft devices. The installation of security measures will reduce the risk of theft and vandalism. Taking the appropriate security measures will help you reduce the often high auto insurance costs for kit cars. You may also benefit from storing your vehicle in a secured location if you have one.

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The Difference Between Traditional Car Insurance and Kit Car Insurance

Kit cars differ from preassembled vehicles in the sense that the buyer assembles the vehicle on their own. The parts of a kit car are acquired separately, and in most cases, they are expensive than those in preassembled models.

Auto insurance companies always have a hard time determining the value of kit cars, which is why most of them don’t provide coverage for these vehicles. There are car insurers who specialize in providing insurance for kit cars, though.

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Getting Insurance for a Kit Car

If you decide to build create a custom vehicle for yourself, you need insurance from early stages of the project even before you start the assembly process. There are kit car coverage options for both completed vehicles and cars fated to spend a couple of years in the garage. Kit cars have unique auto insurance needs, do your research before you purchase coverage.

The modifications and expensive engines found in kit vehicles can attract unwanted attention to your car. If something happens to an uninsured kit vehicle, it possible to find yourself in a situation you can’t get out of.

A kit car is a massive investment, protect it with sufficient insurance. When choosing insurance for your kit car, compare quotes from multiple providers to increase your chances of getting a better deal.

When building a kit car, you get to purchase parts from classic and vintage vehicles, restore them and assemble them on your own. This practice can be gratifying. But if something were to your kit car, the losses could be massive. Follow the tips below to make sure that you have the right coverage and protect your investment:

Understand the Process of Building a Kit Car

Though it’s life-sized and fully functional, thinking of a kit car as a model car can help you easily understand the processes involved in building one. The different sets of car parts will be shipped to you internationally or from across the country so that you can put them together. Depending on the complexity of the project, you might need some expert assistance.

To ensure that you don’t get stuck paying for parts that you didn’t receive or that were damaged in transit, make sure that all expensive parts are insured upon purchase. Car parts can be expensive, and losing a single crucial part can derail the process for years. Insuring your kit car components during transport can help you avoid such.

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Inquire About Insurance with Your Kit Car Company

Kit car buyers may be able to obtain coverage from their part suppliers or the insurance providers affiliated with them. However, as a buyer, you need to know the exact type of kit vehicle you want and where to get the different parts to take advantage of such insurance deals.

Get in touch with the kit car supplier and ask if there are any insurance options for the car parts.

Note that some suppliers might provide insurance for the entire project while others will only provide protection for the parts until you receive them.

Ensure that you know what coverage options you need the specifically mention them to the company. If the supplier gives you contact information about affiliated insurance providers, make sure you document it in case you have to contact the company later.

Look for a Kit Car Insurance Provider

There are numerous specialty kit car insurance providers. These insurers are sometimes referred to as hobbyist car insurance providers or collector insurers. Some traditional insurers also provide auto insurance coverage for kit cars.

To get the best kit car insurance deal, take advantage of the numerous online comparison tools. Get quotes from multiple providers and compare until you find one that matches your kit car insurance needs.

Don’t miss out on our free insurance comparison tool below! Make sure your enter your zip and start comparing rates now!