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: Nov 1, 2021

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The Lowdown

  • Auto insurance for sports cars is more expensive and averages $140 a month
  • Younger drivers pay much higher rates than older, more experienced drivers
  • Sports car drivers can save money on auto insurance with discounts, adding anti-theft devices, and having a different car for everyday driving

Auto insurance companies charge higher rates for sports cars since they are more costly to repair and replace.

The best auto insurance companies for sports cars will depend on each driver, but rates average $140 a month.

Shop around to find the cheapest coverage for you. Each car insurance company will charge different rates for your sports car, so compare multiple companies to find your best deal.

Enter your ZIP code now to compare free quotes from the best auto insurance companies for sports cars near you.

What are the best auto insurance companies for sports cars?

There are many different factors that affect your auto insurance rates, and the type of vehicle you drive is one of them.

A car is classified as a sports car based on size, weight, engine size, horsepower, number of cylinders, and make and model.

Does it cost more to insure a sports car?

Sports cars are more costly to insure because there is a much greater risk the auto insurance company will have to pay for an accident.

Sports cars are generally more expensive vehicles and repairs and replacement costs are high.

Speed is another factor that drives up insurance on a sports car. According to the National Highway Traffic Safety Administration, over 9,400 people were killed in speed-related accidents in 2018.

Drivers of sports cars may be more tempted to make use of the larger engine and ignore speed limits.

This table shows you average rates from the best auto insurance companies for sports cars.

Average Monthly Auto Insurance Rates for Sports Cars
CompanyAverage Monthly Rates for Sports Cars
State Farm$125.29
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The cheapest insurance for sports cars on average is from Nationwide, but rates will be different for each driver.

The type of sports car you own can also make a difference. Exotic cars like a Porsche 911 will have higher rates than Ford Mustang.

Do younger sports car drivers pay more for auto insurance?

Your age is another factor that determines your auto insurance rates. Younger drivers have less experience and are more likely to be in an accident.

How much is insurance for a sports car for a 21-year-old? Sports car insurance for 18-year-old drivers or for a 21-year-old will be extremely expensive.

Not only will rates be higher because you have a sports car, but putting a less experienced driver behind the wheel will make those rates even higher.

This table shows you average rates from top companies based on age.

Average Annual Auto Insurance Rates Based on Age, Gender, and Marital Status
CompanyAverage annual rates single 17-year-old femaleAverage annual rates single 17-year-old maleAverage annual rates single 25-year-old femaleAverage annual rates single 25-year-old maleAverage annual rates married 35-year-old femaleAverage annual rates married 35-year-old maleAverage annual rates married 60-year-old femaleAverage annual rates married 60-year-old male
American Family$5,996.50$8,130.50$2,288.65$2,694.72$2,202.70$2,224.31$1,992.92$2,014.38
Liberty Mutual$11,621.01$13,718.69$3,959.67$4,503.13$3,802.77$3,856.84$3,445.00$3,680.53
State Farm$5,953.88$7,324.34$2,335.96$2,554.56$2,081.72$2,081.72$1,873.89$1,873.89
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Even with a standard vehicle, rates for younger drivers are very high. Add in a sports car and those rates may be unaffordable.

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How can sports car drivers save money on auto insurance?

Even if you drive a sports car, there are ways for you to save money on auto insurance.

Here are a few ways to lower your car insurance rates with a sports car:

  • Don’t drive your sports car every day. Have a different vehicle for everyday use and list your sports car as a pleasure vehicle.
  • If you do drive your sports car daily, consider low mileage insurance. Keeping your miles low will reduce your chance of an accident, earn you a discount, and even keep your car value high.
  • Add anti-theft devices such as a car alarm to prevent theft.
  • Keep your driving record clean to get the lowest rates possible.
  • Buy a car with a high safety rating.

Another great way to lower auto insurance rates is by taking advantage of discounts. There are multiple types of discounts, such as multi-car discounts, good driver discounts, and discounts for the safety features on your car.

Bundle all of the discounts available to you for the most savings.

The Best Auto Insurance Companies for Sports Cars: The Bottom Line

Auto insurance for sports cars is very expensive because the insurance company will have to pay out more to repair or replacement your vehicle

Younger drivers always have higher auto insurance rates, and those rates go even higher with a sports car. However, drivers can save money in multiple ways to make car insurance more affordable.

Shop around for sports car insurance to find a company that can offer you great coverage with low rates.

To find the car auto insurance companies for sports cars, enter your ZIP code and compare free quotes today.