Auto Insurance for a Turbo Car

Vehicle add-ons increase the car's value as well as its chance of theft, both of which affect your auto insurance rates. Inform your provider of any changes to the car.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

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 (BBB A+). 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 and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 26, 2022

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Things to remember...

  • Fixing up your car with add-ons like turbochargers makes your car unique
  • You must report any add-ons like a turbo to your insurance company because it may increase your insurance costs
  • Get comprehensive insurance policies to make sure your car is covered for theft, vandalism, and weather events

Many people enjoy fixing up their cars by adding features such as new radios, external accents like high-level spoilers, risers, and even turbochargers to rev up the engine and get their vehicles noticed.

If you make such additions to your vehicle, you are required to report any changes you make to your auto insurance company immediately after making the changes.

The insurance company requires this because adding onto your vehicle can add value to your car, and it can be harder to fix or replace if you add certain features.

Save on car insurance today by comparing prices of top companies in your area!

Why do insurance companies require you to report add-ons?

There are two main reasons that car insurance companies require you to report it with an insurance declaration when you add to your vehicle:

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Add-ons Create Additional Value for Replacement

Each add-on could potentially raise the amount you would need to replace or repair it if you were in an accident or if your car was stolen.

This costs insurance companies additional money when you file a claim, which increases their loss ratio. For this reason, insurance providers will charge you higher premiums if you add aftermarket equipment to your vehicle, but it could be considered fraud if you fail to report it.

For this reason, insurance providers may charge you higher rates in insurance premiums if you add on to your vehicle, but it is still illegal not to report it.

Add-ons Can Increase the Chance of Theft

Just by adding certain features you may invite theft of your vehicle. Depending on the area in which you live, your risk of theft to vehicles with add-ons is greater than those without such additions.

Because of these reasons, it’s likely your auto insurance premiums will increase, but it’s important to report so that your claim isn’t invalidated.

What is a turbocharged car?

Turbocharging is a process by which the engine is rebuilt to create more power and fuel efficiency using exhaust gasses to create more power and is capable of traveling at much higher speeds.

The add-on part needed for a turbo engine is called a turbocharger. Cars that you buy usually do not come with this add-on. You have to purchase one from an auto trade dealer.

Turbo cars cost more for insurance companies to replace. The parts are smaller, but they are expensive to repair or replace when damaged.

If you add a turbo to your car, you should report it to your insurance company immediately after adding it.

It may make your auto insurance premiums go up, but if you do not report it, and then make a claim to repair it, they may not honor your claim.

If you have a car with turbochargers, you may want to consider getting the following types of coverage:

  • State minimum liability and personal injury coverage  At the very least, you must carry the state minimums in liability and personal injury. You can find out what your state requires here.
  • Property damage to cover replacement  To protect your investment, you will want to carry property damage insurance. Property damage coverage will guarantee that your car is repaired or replaced in the event of damage.
  • Comprehensive coverage  If you want to carry protection from other events such as weather damage, theft, or other forms of damage, you will need to carry comprehensive coverage.

Tips on Finding the Best Insurance

If you have a turbocharged car, or if you are considering adding a turbo to your vehicle, you will want to keep the following things in mind.

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Find a Company that Understands Your Needs.

By shopping and comparing insurance companies on our site, you will have a better idea of what types of companies offer the best premiums, as well as the coverages you need for your special car.

If you have a turbo engine, there is considerably more cost in replacement if you have an accident or are a victim of theft.

Get Comprehensive Coverage.

Remember that cars with special add-ons such as turbochargers and other items are more prone to theft. People may try to steal your turbocharger while your vehicle is parked and resell it or use it in their car.

If you live in a high-crime area or any area in which theft could occur, make sure you have this important coverage.

Car insurance was created for accident coverage and loss of life, personal injury, and property damage, but it will only pay for accidents.

Getting comprehensive insurance is the only way you can protect your car from hail, storms, floods, theft, and other external factors that cause damage.

What are some other options to consider?

When you have a special car, you should consider it an investment. Insurance is designed to protect you from financial loss in the event of an accident.

But you also need to cover the loss in other instances such as theft, vandalism, or weather damage.

You never know when an event could occur that would threaten your investment.

If you have spent a great deal of time sprucing up your car, you don’t want to lose all of the money you’ve put into it by failing to have proper coverage.

Ask for a free quote on our website and look at the various optional coverages as well.

Some of the other coverages you may want include:

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Car Rental Insurance

Car rental insurance allows you to have a rental car free of charge if you have an accident that requires repair of your vehicle.

This keeps you from losing additional work time and allows you a way around while your vehicle is being repaired.

Medical Coverage

Medical coverage is optional medical coverage that you can get through your car insurance company that pays in addition to your medical insurance in the event of an accident.

Insurance cannot pay twice, so if your medical plan covers everything, you would not need it. But in those cases when your insurance is not enough, it may come in handy.

Roadside Assistance

Roadside assistance allows you to have help on the road if you are stranded on the side of the road. This is helpful insurance if you are on the road a lot and may be a good idea for frequent travelers.

With all insurance, you should always weigh the risk with the cost of the premiums.

By shopping and comparing policies and companies, you will be able to find the best policy and company for your turbo car.

Make sure your coverage for your turbocharged vehicle is adequate. Compare rates online now!

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