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...

  • Usually, high-performance vehicles come with higher auto insurance rates, mostly because they are expensive
  • High-performance vehicles have high speeds, but they are also safe, but most people who drive them don’t know how to take advantage of these features
  • Consequently, many high-performance cars are involved in accidents which result in a high number of claims thus higher rates
  • In most cases, auto insurance companies sell high-performance car insurance products normally

High-performance vehicles have high acceleration rates and more engine power. They mostly come as two-seaters and have open tops. If a car is modified in any way, it could easily fall into the high-performance category.

It is not always that obvious to tell if a car is a high-performance or not. Auto insurance companies will use other inbuilt specs to classify vehicles and place them in the appropriate car insurance groups.

The higher the vehicle’s insurance group, the higher the auto insurance rates. High-performance cars tend to rank higher in the car insurance groups hence higher auto insurance groups.

You can still get favorable auto insurance rates by comparing quotes from various providers. Compare right now using our free rate tool.

Modified Cars


Modified vehicles are also likely to attract higher rates.

In the eyes of the auto insurance provider, a modified vehicle has a higher probability of getting involved in an accident because modifying a vehicle can mess with its inbuilt safety standards thus making it more susceptible to accidents.

Any modifications to the vehicle must be communicated to the auto insurer to avoid any issues in the future.

High-performance vehicles are built for speed, though they also come with exceptional handling and enhanced safety features. They are designed to get to move fast but under control.

Some imported Japanese vehicles are categorized as high-performance vehicles by auto insurers because they come with high-performance specifications under the hood, but to the average American, they look like typical four-seater sedans.

Usually, a car dealer will let you know whether a car is a high-performance or not. If it’s still not clear, you can ask a mechanic.

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The Importance of Insurance on Performance Cars

If you want to drive on US roads legally, you need auto insurance in all states but one.

Additionally, if you were to be involved in an at-fault accident without proper coverage or any coverage at all, you might have to file for bankruptcy after settling the costs.

Actually, many people wouldn’t even afford to, especially if the damage was extensive. High-performance vehicles are expensive to repair, not to mention the high costs of spare parts.

In addition to that, you might need to seek the services of a specialized mechanic because some high-performance cars require some level of expertise to repair.

Also, high-performance vehicles are highly targeted by car thieves and constitute a significant percentage of most stolen cars in the United States. Simply put, you just can’t afford to drive your high-performance car uninsured.

Make sure that your high-performance car is sufficiently insured and avoid any kind of financial losses. Below are the essential coverage types for a high-performance vehicle.

Liability Coverage


  • Auto liability insurance is designed to protect you and other motorists from financial losses in the event of an at-fault accident.
  • In most cases, auto liability coverage will cover property damage, bodily injuries and other damages resulting from the accident.
  • In most cases, auto liability insurance is required in US states. Failure to have the required level of auto liability insurance could result in anything from a fine to jail time, depending on your state’s auto insurance laws.
  • Auto liability insurance will pay the damages arising from an accident to a given limit. You will have to top up the remainder if damages exceed the set limits.

Personal Injury Protection (PIP)

  • Some states mandate drivers to carry PIP on top of auto liability coverage.
  • Personal injury protection pays for medical expenses for bodily injuries resulting from an accident regardless of who’s at fault.
  • Depending on the terms of your coverage, PIP may take cover the cost of funeral arrangement in the case of any fatalities resulting from an accident.

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Uninsured/Underinsured Motorist Protection

  • Due to the high costs of repairs associated with high-performance cars, it is recommended that you purchase an uninsured/underinsured cover.
  • This type of coverage will protect you from losses if you get in an accident with a driver who does not have enough coverage or one without any coverage at all.
  • Uninsured/under-insured coverage will also protect you from losses if you are involved in a hit and run.

Collision Coverage


  • The high probability of a high-performance car to get in an accident calls for the need to purchase collision coverage.
  • Collision coverage will cover the cost of repair or replace the cars actual value in the event of a head-on collision with another vehicle or overturning.

Comprehensive Coverage

  • High-performance vehicles are among the most stolen vehicles in the US.
  • A comprehensive policy is the only type of coverage that covers theft.
  • This type of policy will also provide protection against fire and natural disasters.

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Reducing the Auto Insurance Rates for High-Performance Vehicles


  • Reducing your daily mileage count will lower your annual mileage and earn you discounts.
  • Install anti-theft tracking devices in your high-performance car to make easily traceable in case it’s stolen.
  • You can also add other features such as engine immobilizer and functional alarms to boost security levels.
  • Add another, preferably more experienced driver to your policy and bring your rates down.

Remember that comparison shopping is imperative when looking for auto insurance products. Compare as many quotes as you can right now for free.

Choose your auto insurer wisely. Insuring with a specialized high-performance car provider may be less costly and comes with fewer restrictions.