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Car Insurance: Track Day Coverage

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...

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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...

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Reviewed byDaniel Walker
Licensed Auto Insurance Agenthttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/insproviders-live/ca745a12-daniel-walker.png

UPDATED: Mar 19, 2020

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The lowdown...
  • Track day coverage is sometimes harder to find than normal car insurance
  • Some traditional insurers will cover you while others will not
  • Your best bet is to do some research, shop and compare, and look into high-risk or temporary insurance options

Are you a racing enthusiast who enjoys racing stock cars or even your own car on the local track? Millions of people enjoy doing amateur racing for a hobby on the weekends or once or twice a year at annual racing events.

For some people, it is an obsession while others only engage is this activity once or twice per year.

It is hard to find insurance for racing days. Most car companies have this as a specific exclusion that will not allow you to be covered for any racing that you do with your vehicle.

In fact, insurers also include “practicing for a race” as one of the exclusions listed in the policy.

This exclusion puts hobbyist racers in a bad position because it means that you would not be covered for a race event. If you get your car severely damaged either while practicing for a race or in an actual race, your insurance company will not pay for the damages.

Compare car insurance quotes by entering your zip code above. You might be able to save hundreds of dollars a year!

What should I do for race day coverage?

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Are you a track enthusiast who needs insurance just for the track day? Many people enjoy racing on local tracks for a hobby, but they worry that they may wreck their car and not have insurance coverage to cover the damages.

The solution to this may be to get temporary insurance that will cover you for track days. Temporary insurance is a separate type of insurance that is only good for a specified time.

Remember, though, that just any temporary protection is not enough. You will want to find out if your temporary insurance will cover track days. Look for special insurance that is devoted to covering race track drivers on their policy.

There are some companies such as Rider Insurance that were developed specifically for this purpose.

Your normal track insurance will not cover you if you are racing on the street with your regular car. Even if you are just practicing for racing, you will not be covered.

Some traditional insurers will cover you for such events provided that you have an instructor riding with you and it is for “instructional or educational purposes.” However, if the race is “timed” in any way, many will not cover you since being timed implies that you are racing.

You may wonder why your regular insurance company won’t cover your racing events since it is just for a few days out of the year.

While it’s true that frequency is a factor, the greater risk to insurance companies is the high level of risk for accidents that are involved in racing events.

Some Harrowing Facts

Speed kills. Statistics show time and time again that most fatal accidents involve high-speed situations where a driver lost control of the car. The Insurance Institute for Highway Safety states that most severe accidents occur due to the following reasons:

  • High speed
  • Lack of seat belt use
  • Alcohol use
  • Distracted driving behaviors

As you notice, speed is one of the main reasons for traffic fatalities that occur on U.S. highways, along with DUIs, lack of seat belt use while on the road, and other bad driving behaviors such as distracted driving.

When you race cars, even in a controlled environment like a speedway or track, you chance of a fatal or catastrophic accident increases by many times over.

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Does my car insurance exclude track/race days for competition?

You will need to read the fine print or ask specific questions to determine whether or not your car insurance policy will cover track days. Chances are, it will not. But you will not know unless you check.

You may want to find an insurance company that specializes in covering accidents on track days for racing competitions. Look for high-risk insurance as a starting place.

High-risk insurance is a kind of indemnity insurance that is usually based on previous accidents or high-risk factors. Most companies have a high-risk insurance option.

If you are a regular racer, you may need to find insurance that would pay for track collisions on a regular basis.

About Temporary Insurance

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With most car insurance companies having exclusions on racing events or track days, you may want to check on temporary insurance for your racing days.

Most car insurance companies that you use for your normal car insurance will not cover racing due to the extremely high risk for accidents.

If insurance companies made a habit of allowing racing competitions to be included on a regular basis, you would find your premiums starting to average out on the high end due to the small percentage of people that race cars in stock car races and other local racing events.

You can still find coverage for racing, you just have to do a little extra homework to find companies that offer this coverage.

At one time, some mainstream companies like Geico, AAA, and Liberty Mutual offered this type of specialized coverage. You will have to do some research and see if they still offer this coverage.

Your best bet with racing events is to get a supplemental specialty insurance from a separate company that focuses on high-risk type coverage.

You can get temporary insurance for 1-28 days so it would be a good solution that you could use surrounding the time that you will be competing in the track events.

Shop and Compare to Find the Best Deal

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If you are a racer or even a car hobbyist who enjoys occasionally running your car on the local track, you will need to do some specialized research to find the best deal for your car insurance.

Keep in mind that normal insurance will likely not cover your days on the track. Look into temporary insurance similar to classic car insurance that focuses on track coverage or a high-risk insurance option with your current insurance.

If you do your homework and use our site to shop and compare, you may be surprised by how much money you could save. Enter your zip code below to begin.

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