Best Auto Insurance for Custom Cars in 2024 (Top 10 Companies)

State Farm, Progressive, and Allstate emerge as the best auto insurance for custom cars, each offering competitive rates and tailored coverage options.

Among these leading providers, State Farm stands out with savings of up to 15%, making it a top pick for custom car owners seeking comprehensive protection and peace of mind on the road.

Our Top 10 Company Picks: Best Auto Insurance for Custom Cars

Explore why State Farm, Progressive, and Allstate are the go-to choices in the market for insuring custom cars.

You can (and should) compare cheap modified car insurance quotes from various insurance providers to get the affordable auto insurance for custom vehicles.  Use our free comparison tool today to begin looking for auto insurance quotes for custom vehicles now.

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#1 – State Farm: Top Overall Pick

Pros

• Many Discounts: State Farm auto insurance review highlights that State Farm provides multiple discounts, such as a multi-vehicle discount, enabling policyholders to reduce their premiums.
• Good for Bundling: State Farm offers various coverage types, qualifying policyholders for bundling discounts and allowing them to make State Farm their one-stop-shop for insurance.
• Personalized Service: State Farm is known for its extensive network of local agents who provide personalized assistance and support to policyholders.

Cons

• Limited Online Options: While State Farm offers discounts and personalized service through its agents, some customers may find its online interface and digital options less comprehensive compared to other insurers.
• Higher Rates: Despite offering discounts, State Farm’s rates may be comparatively higher for certain demographics or regions, potentially making it less competitive for price-conscious customers.

#2 – Progressive: Best for Online Convenience

Pros

• Online Convenience: Progressive is praised for its user-friendly online platform, allowing customers to manage policies, file claims, and access resources with ease.
• Financial Strength: An A+ rating from A.M. Best for Progressive auto insurance review shows the company has strong financial stability and reliability, instilling confidence in its customers.
• Range of Discounts: Progressive offers various discounts, including a multi-vehicle discount, providing opportunities for policyholders to save on their premiums.

Cons

• Limited Discounts: While Progressive offers a multi-vehicle discount, its range of discounts may be more limited compared to other insurers, potentially resulting in fewer savings opportunities for policyholders.
• Average Customer Service: Some customers may experience average levels of customer service with Progressive, especially those who prefer more personalized interactions or assistance from local agents.

#3 – Allstate: Best for Add-on Coverages

Pros

• Add-on Coverages: In an Allstate auto insurance review, it’s evident that the company offers a diverse array of add-on coverages and customization options, demonstrating its commitment to providing tailored coverage for policyholders’ unique needs and preferences.
• Financial Strength: With an A+ rating from A.M. Best, Allstate demonstrates strong financial stability and reliability, ensuring that policyholders are well-protected.
• Discounts: Allstate provides discounts, including a multi-vehicle discount, offering opportunities for policyholders to save on their premiums.

Cons

• Moderate Discounts: While Allstate offers discounts, its savings opportunities may not be as extensive as those offered by some competitors, potentially resulting in higher premiums for some customers.
• Mixed Customer Reviews: Some customers may have mixed experiences with Allstate’s customer service and claims handling, with occasional complaints about responsiveness and communication.

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#4 – American Family: Best for Student Savings

Pros

• Student Savings: American Family offers discounts specifically geared towards students, making it an attractive option for young drivers or families with student drivers.
• Financial Strength: With an A rating from A.M. Best, American Family demonstrates strong financial stability and reliability, ensuring that policyholders are well-protected.
• Personalized Service: American Family auto insurance review showcase the company personalized approach to customer service, with agents often available to provide tailored guidance and assistance to policyholders.

Cons

• Limited Coverage Options: While American Family may offer student savings, its coverage options and add-on coverages may be more limited compared to larger insurers, potentially resulting in less comprehensive protection for policyholders.
• Regional Availability: American Family operates primarily in specific regions of the United States, which may limit its availability to customers in other areas, reducing options for those seeking coverage outside its service area.

#5 – Travelers: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Travelers offers accident forgiveness, allowing policyholders to maintain their premium rates even after an at-fault accident, which can provide valuable peace of mind.
• Financial Strength: In a Travelers auto insurance review, the company’s A++ rating from A.M. Best underscores its robust financial stability and reliability, showcasing the company’s tailored coverage for policyholders’ needs.
• Range of Coverage Options: Travelers provides a wide range of coverage options and customizable policies, allowing customers to tailor their insurance plans to their specific needs.

Cons

• Limited Discounts: While Travelers may offer accident forgiveness, its range of discounts and savings opportunities may be more limited compared to other insurers, potentially resulting in higher premiums for some customers.
• Average Customer Service: Some customers may experience average levels of customer service with Travelers, with occasional complaints about responsiveness and claims processing times.

#6 – Farmers: Best for Local Agents

Pros

• Local Agents: Farmers operates through a network of local agents, providing personalized assistance and support to policyholders.
• Financial Strength: With an A rating from A.M. Best, Farmers demonstrates strong financial stability and reliability, ensuring that policyholders are well-protected.
• Range of Coverage Options: In examining a Farmers auto insurance review, it becomes evident that the company provides customized coverage options for its customers, allowing them to personalize their insurance policies to suit their individual needs.

Cons

• Limited Discounts: While Farmers may offer discounts, its range of savings opportunities may be more limited compared to other insurers, potentially resulting in higher premiums for some customers.
• Mixed Customer Reviews: Some customers may have mixed experiences with Farmers’ customer service and claims handling, with occasional complaints about responsiveness and communication.

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#7 – Safeco: Exclusive Benefits

Pros

• Exclusive Benefits: Safeco auto insurance review highlights the company’s reputation for offering customized customer support, where agents are readily accessible to offer personalized advice and aid to policyholders.
• Financial Strength: With an A rating from A.M. Best, Safeco demonstrates strong financial stability and reliability, ensuring that policyholders are well-protected.
• Range of Coverage Options: Safeco offers a variety of coverage options and add-on coverages, allowing customers to tailor their insurance policies to their specific needs.

Cons

• Limited Discounts: While Safeco may offer exclusive benefits, its range of discounts and savings opportunities may be more limited compared to other insurers, potentially resulting in higher premiums for some customers.
• Average Customer Service: Some customers may experience average levels of customer service with Safeco, with occasional complaints about responsiveness and claims processing times.

#8 – USAA: Best for Add-on Coverages

Pros

• Add-on Coverages: USAA offers a variety of add-on coverages and customization options, allowing policyholders to tailor their insurance policies to their specific needs and preferences.
• Financial Strength: USAA auto insurance review highlights the insurer’s top-notch financial stability and reliability, evidenced by its A+ rating from A.M. Best, assuring policyholders of robust protection.
• Range of Discounts: USAA provides discounts and savings opportunities, including a multi-vehicle discount and other policyholder benefits.

Cons

• Membership Eligibility: USAA membership is limited to military members, veterans, and their families, restricting eligibility for potential customers who do not meet these criteria.
• Limited Availability: USAA operates primarily online and through phone services, with fewer physical branch locations compared to traditional insurers, potentially limiting accessibility for some customers.

#9 – Nationwide: Best for Usage Discount

Pros

• Usage Discount: Nationwide offers a usage-based discount program, allowing policyholders to save on their premiums based on their driving habits and behaviors.
• Financial Strength: With an A+ rating from A.M. Best, Nationwide demonstrates strong financial stability and reliability, ensuring that policyholders are well-supported.
• Range of Coverage Options: Nationwide auto insurance review showcases a diverse range of coverage choices and additional options, empowering clients to tailor their insurance plans to suit their individual requirements.

Cons

• Limited Discounts: While Nationwide may offer a usage discount, its range of discounts and savings opportunities may be more limited compared to other insurers, potentially resulting in higher premiums for some customers.
• Mixed Customer Reviews: Some customers may have mixed experiences with Nationwide’s customer service and claims handling, with occasional complaints about responsiveness and communication.

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#10 – Geico: Best in Cheap Rates

Pros

• Cheap Rates: Geico auto insurance review highlights the company’s reputation for competitive pricing and budget-friendly insurance choices, catering to the needs of policyholders seeking affordability.
• Financial Strength: With an A++ rating from A.M. Best, Geico demonstrates exceptional financial stability and reliability, ensuring that policyholders are well-protected.
• Range of Coverage Options: Geico provides a variety of coverage options and add-on coverages, allowing customers to tailor their insurance policies to their specific needs.

Cons

• Limited Personalized Service: Geico primarily operates online and through phone services, with less emphasis on personalized assistance from local agents, potentially leading to a less tailored experience for some customers.
• Mixed Customer Reviews: Some customers may have mixed experiences with Geico’s customer service and claims handling, with occasional complaints about responsiveness and communication.

Registering a Customized Vehicle

The Department of Motor Vehicles (DMV) or other motor vehicle registration agency appointed by the state will require the following documents as proof of ownership in order to register your customized car:

• An application for registration or title
• A statement of construction
• Proof of vehicle’s safety inspection or vehicle verification
• A certificate of origin

Many insurance companies will be hesitant to insure your modified vehicle due to the risk of theft associated with such cars and the expensive features that may cost a fortune to replace in case of an accident or theft.

Auto Insurance Monthly Rates for Custom Cars by Coverage Level & Provider

Understanding how various auto modifications impact insurance costs is crucial for car enthusiasts. From chrome bumpers to racing tires, each customization can influence insurance premiums differently. Explore the list below to learn more about the modifications that affect insurance rates.

• Chrome bumpers
• Vertical doors
• Racing tires and chrome wheels
• Hood ornaments
• Auxiliary lighting (fog lights)
• Front or rear spoilers
• New stereo systems
• Under-car accent lights

Ensuring that customized parts are adequately insured is essential for protecting your investment. By understanding how different modifications can impact insurance premiums, you can make informed decisions to safeguard your customized vehicle effectively. Read on for more information on insuring customized parts.

Customized Parts and Equipment Coverage

The additional features listed above and other customized paintwork and encryptions can be quite costly and you don’t want to leave everything to chance.

Depending on the level of vehicle modification parts and enhancements you use on your car, the insurance rates could vary from one provider to another. Either way,  insuring a custom built car is important. Take your time to shop around and compare quotes online before settling on a policy.

Auto insurance companies will only cover the features included by the original manufacturer.

If you choose to add any modification like GPS, customized paintwork, or decorations on the sides, be sure to take out customized parts and equipment coverage to take care of your favorite additions in case of damage.

Comprehensive Auto Insurance Monthly Rates by State

In some states, it may be a requirement to have a collision and comprehensive policy to get customized parts and equipment coverage. Average comprehensive policy rates by state can be found in the chart below. As you can see, comprehensive insurance rates can differ greatly based on the state in which you live.

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Collector Auto Insurance

Collector car insurance is an ideal solution for providing coverage to a wide range of vehicles including Brass Era Classics and the favorite Honda Civic.

Honda Civic, in particular, offers the perfect vehicle for modification and that’s why it tops the list of the most stolen car on U.S roads.

Collector car insurance offers savings amounting to over 43 percent and doesn’t have limits for the level of modifications you can do on your car or the mileage you can cover.

However, customized cars are critically underwritten and the insurance rates will be highly affected by the extent of use. To gain further insights, consult our comprehensive guide titled “Best Auto Insurance Companies for Modified Cars.”

Decoding the Challenge: Customized Auto Insurance Perception

If you’re wondering, “Is modified car insurance cheaper?” the answer will usually be “no.” However, there are good modified car insurance options out there.

There’s a common misconception about the class of people who modify their cars and the types of modifications people get. There’s a lot more to customized vehicles than what you see in the movies. For additional details, explore our comprehensive resource titled “Auto Insurance by Vehicle”

• Many car enthusiasts customize their vehicles as a hobby, driven by a passion for powerful engines, shiny wheels, and intricate paintwork.
• Custom car owners typically prioritize maintenance, which reduces insurance risk.
• Due to their significant investment, these enthusiasts are less likely to engage in reckless driving, making insurance coverage easier to obtain.

Insurance for modified car parts is available through Custom Parts and Equipment coverage (CPE). This coverage protects permanently installed customized car modifications, including parts, accessories, and enhancements not provided by the original manufacturer.

Having CPE can offer valuable protection for your custom car, ensuring that your investments in modifications are safeguarded against unexpected incidents.

How to Save on Insurance for Customized Cars

Some drivers have been known to drive at dangerous speeds to showcase their brand new cars with monstrous engine capacities. This can and has resulted in some bad accidents and other scary situations.

• Auto insurance rates for customized cars are on the rise, with some insurers hesitant to provide coverage.
• Finding custom car insurance can be challenging in certain instances.
• Despite this, securing competitive insurance rates for your customized car is possible.

The idea is to get as many online quotes for car modification insurance as you can and make comparisons. It will be easier for you to find good rates for your car if you live in one of the best cities for custom and exotic cars, but comparing rates will help you find savings no matter where you live.

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Customized Auto Insurance Exclusions

It’s important to note that insurance for customized vehicles may have some exclusions. Here are the common exclusions that you should be aware of:

• Racing Exclusions: Many auto insurance companies will impose exclusions for accidents that occur when you’re racing with your modified car. It doesn’t really matter whether the racing is legal or not. Depending on your state, even test driving your customized car on a racetrack may lead to the insurance company declining a claim in case of an accident.
• Reporting Exclusions: Insurance firms will not honor claims if they discover that you made some modifications to your car and failed to report the changes. Any modifications that are not reported are considered illegal and will not be covered in case of an accident.

In special cases, the insurer may pay part of your claim but not pay for all the modifications you’ve made to the car. Some insurance companies will totally void your policy if they discover the undisclosed modifications.

You should always make sure that your insurer is notified of every modification you add to your customized car to ensure that you’ll get reimbursement in case of an accident or damage.

It may be tempting to keep quiet about something to avoid an insurance premium increase, but you should be aware that you won’t be reimbursed for them.

The bottom line is to compare quotes from various insurance providers to get the best rates for collision, comprehensive, and customized parts and equipment coverage. Compare today and see how much you could save on car insurance. To delve deeper, refer to our in-depth report titled “Collision Auto Insurance.”

Understanding Customizations and Coverage

Modifications enhance your vehicle’s performance but may put you at risk for auto insurance rate increases of up to 10 percent more than a normal policy. Are you wondering, “Is my car modified?” Read on for more information.

• If you’ve made any major performance modifications to your vehicle, such as adding hydraulic suspension or a racing spoiler, your car may be considered a higher risk car to insure by auto insurance companies.
• The addition of customized parts for a modified car makes any damage to the car more expensive to repair in relation to the car’s value.

If you have modified your car, you may need to think about additional car insurance coverage to supplement your basic policy.

• If you’ve modified your car for the purpose of racing with it and get involved in a car crash, your insurance will likely not cover you for any racing activities.
• If you don’t tell your auto insurance company about any modifications to your car and then are involved in an accident, you may be out of luck in terms of getting coverage for the value of the modifications.
• Managing your auto insurance policy requires you to be responsible and sensible.

Having a modified car means that you probably did something specific to “soup it up.” It’s true that modified cars are typically more expensive to insure, just like a fancy sports car would be.

However, modified cars are different from exotic or luxury cars because they refer to alterations to the performance or appearance of the car. The parts added to the car are typically non-standard and can be very expensive to find and replace if there is damage to the car.

Telling Your Auto Insurance Agent About Modifications to Your Car

It’s important to let your auto insurance agent know if you’ve modified your car in a significant way. Simply put, your failure to do so means that you might not be able to get coverage for the true value of your modified car in the event of an accident.

There are some things that insurance companies will simply refuse to cover. Any modifications that make the vehicle a non-legal car to drive on public roads will certainly not be covered by your insurance company.

Items such as wheelie bars or drag wheels are not typically covered under a private passenger automobile policy. Sport-type modifications, such as performance wheels and exhaust systems, can be covered under an auto insurance policy as long as you declare them.

• Before making significant performance modifications to your car, verify coverage with your insurer to avoid investing in modifications without insurance protection.
• Consider increasing policy limits for comprehensive and collision coverage if your car already has modifications to ensure adequate protection against damage. For a thorough understanding, refer to our detailed analysis titled “Does car insurance cover storm damage?.”

Pay close attention to deductible amounts for collision and comprehensive coverage, as insurers may require higher deductibles for modified cars; shop around for better deductible options if needed.

This is a good way to make sure that you’re getting enough coverage for a reasonable price. Because the cost of insuring a modified car is higher, it’s even more important to shop around for good premium estimates.

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Filing a Claim for a Modified Car

While you hope to never have an accident, it’s important to know how you would file a claim for an accident involving a modified car if you have modified vehicle insurance.

• Gathering information for a claim on your modified car resembles the process for a regular car, but you might need extra documentation regarding the value and repair costs of modifications. To expand your knowledge, refer to our comprehensive handbook titled “How to File an Auto Insurance Claim.”
• Consult the declarations page of your auto insurance policy to determine what damage to your modified car may be covered.
• Ensure all modifications are properly reported to your insurer; they should be listed on the declarations page. However, expect some negotiation with the insurer regarding repair estimates for modifications.

If the total damage to your modified car is very expensive and you’re having trouble getting a settlement from your auto insurance company, it may be worthwhile to consult an experienced lawyer.

This could help speed up the settlement negotiation process and show the insurer that you’re serious about recovering the full amount of damage to the modifications you reported when you took out your car insurance policy.

Tailored Coverage: Best Auto Insurance for Custom Cars

Securing insurance for custom cars can be challenging, but top companies like State Farm, Progressive, and Allstate offer tailored coverage. Let’s explore three case studies highlighting individuals who found the best auto insurance for their unique rides with these insurers.

• Case Study #1 – Personalized Protection: John, a car enthusiast with a customized sports car, turned to State Farm for insurance. With State Farm’s personalized approach, John received tailored coverage, including a competitive custom car discount and a policy bundle discount.
• Case Study #2 – Comprehensive Coverage : Sarah, a collector of vintage cars with extensive customizations, chose Progressive for her insurance needs. Progressive’s comprehensive coverage protected Sarah’s unique vehicles, offering a substantial custom car discount and a policy bundle discount.
• Case Study #3 – Specialized Protection: Mark, owner of a modified luxury vehicle, opted for Allstate insurance. With Allstate’s specialized protection, Mark secured comprehensive coverage for his high-end customizations, including a significant custom car discount and a policy bundle discount. For detailed information, refer to our comprehensive report titled “Best Auto Insurance for Luxury Cars.”

When it comes to insuring custom cars, top companies like State Farm, Progressive, and Allstate provide tailored coverage to meet unique needs.

Whether it’s a customized sports car or a vintage vehicle with extensive modifications, these insurers offer competitive rates and comprehensive protection for every custom ride.

Conclusion: Tailoring the Best Auto Insurance for Custom Cars

When it comes to finding the best auto insurance for custom cars, State Farm, Progressive, and Allstate stand out as top contenders. With their tailored coverage options, competitive rates, and commitment to meeting the unique needs of car enthusiasts, these companies offer peace of mind for owners of customized vehicles.

Whether it’s protecting a modified sports car, vintage vehicle with extensive customizations, or a luxury automobile with high-end modifications, State Farm, Progressive, and Allstate provide full coverage protection to ensure that every custom ride is safeguarded on the road. To gain in-depth knowledge, consult our comprehensive resource titled “What is full coverage auto insurance?.”

Compare and save on auto insurance rates for custom vehicles by entering your ZIP code below now to find which car insurance company for custom vehicles is right for you.

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