Track Day Auto Insurance

Getting the right insurance coverage beforehand is vital if you have a high-performance vehicle and want to drive it on track days at your local racing club.

Even if you have coverage from the best auto insurance companies, your normal auto insurance policy won’t cover you on the track. You’ll need to purchase special race track insurance, also known as high-performance driver’s education (HPDE) insurance with most companies.

Read on to learn more about track insurance for cars and the general cost of track insurance.

Where can I buy track day auto insurance? 

Popular insurance companies like State Farm or Geico don’t offer track day insurance. Instead, you’ll have to purchase track insurance through specialized insurance companies. 

Generally, track day insurance policies are valid for either one or a few days. They’re not continuous auto insurance policies — insurers intend these policies to be coverage for occasional high-risk events.

Some of the common track day insurance companies whose names you might see when looking for track day insurance are:

• Hagerty 
• Lockton Motorsports 
• OpenTrack 
• RLI 

You can choose to get quotes individually through track day auto insurance companies, or you can go through an insurance broker that compares multiple track day companies and determines the company with the cheapest rate.

When picking a track day auto insurance company, check its reviews and ratings before signing up. If you have to file a car insurance claim, you’ll want a company with a good reputation to make the claim filing process easy.

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What does track day auto insurance cover? 

If you’re wondering what track day insurance covers, it depends on the coverage amount you buy. However, most basic track day auto insurance plans cover the following:

• Damages to your vehicle when participating in a track day event, including blown engines or fires to your vehicles after a crash
• Damages to your vehicle while in the paddock
• Damages to your vehicle caused by you or your driving instructor

You may hear the term agreed value coverage when signing up with a track day auto insurance company. Agreed value is when you and the insurance company determine how much your car is worth. If you total your car on a track day, you’ll receive the agreed-upon amount for your vehicle. There may also be extra coverage options like towing, storage, or rental car reimbursement. 

You may also be able to customize your track day insurance coverage by adding coverage for vehicle modifications. For example, if you have a custom paint job, you can buy additional coverage so you won’t pay out of pocket for repairs if you ruin the custom work.

What doesn’t track day insurance cover? 

Most track day insurance providers don’t have liability auto insurance coverage. So what does this mean for you? If you cause damage to another vehicle on the track, you’ll have to pay for repairs.

Since most cars on the track are expensive, paying for repairs out-of-pocket can be a huge downside. Shop around with quotes from auto insurance companies that offer liability coverage for high-performance vehicles so you can get the right coverage.

Why Track Day Car Insurance Is More Expensive 

If you’ve shopped for track day auto insurance before, you know it can be more expensive than a standard auto insurance policy. Why? Most vehicles driven on track days are more expensive than your average commuter car.

In addition, racing is much riskier than normal driving. There’s a much higher likelihood of you crashing or damaging your car when driving on a track. Consequently, track day insurance companies charge higher rates to compensate for the risk.

You may be able to slightly reduce the cost of track auto insurance by following the tips below:

• Shop around for quotes from a few insurance companies beforehand. 
• Take a high performance driver’s education course covering track driving. 
• Avoid expensive vehicle modifications.
• Get a driving instructor. 

We recommend purchasing insurance for the track day event beforehand, rather than waiting until the day of the track event. Planning ahead ensures you have time to compare quotes and research which company offers the best protection for your vehicle.

The Final Word on Track Day Auto Insurance 

Even if you have a standard car, your regular auto insurance won’t cover you if you participate in high-risk events like track days. You’ll need to purchase track day or HPDE insurance for your event. Ensure it covers your car’s full value, and purchase liability coverage if the insurance company offers it.

If you want to jump in and compare auto insurance rates today, use our free quote comparison tool to find your area’s best rates.

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