Best Auto Insurance Companies That Insure Modified Cars

If you're looking to insure a modified car, you'll have to look into companies such as Safeco or Esurance. Not all auto insurance companies will provide a policy for a modified vehicle.

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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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 21, 2022

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Things to Remember

  • Some of the best auto insurance companies won’t cover modified car parts under full coverage
  • A dozen auto insurance companies provide coverage for modified vehicles
  • Insuring a modified car is typically more expensive since parts are more costly and the risk of theft increases

Customizing your vehicle makes your car more unique and adds features that aren’t standard, such as a high-performance engine or flashy paint job. However, finding auto insurance companies that insure modified cars can be difficult.

Not all major companies provide insurance for modified cars. While some modifications increase safety, most custom parts are expensive and increase your chance of theft. While some insurers won’t offer coverage, some do, but rates are higher.

The best modified car insurance companies must know about custom parts when buying an insurance policy. Otherwise, the insurance company only covers costs for standard parts.

So what should you do if auto insurance companies that don’t insure modified cars won’t cover custom car parts?

Read our guide to learn which companies provide coverage for modified cars and how auto insurance for modified vehicles works.

Which auto insurance companies provide coverage for modified cars?

Do I need auto insurance for modified cars? Yes, your insurance company must be fully aware of any customizations made to your vehicle.

Modified cars require special insurance, but some of the best companies don’t provide auto insurance for custom cars.

So, where can you find the best insurance for modified cars? First, let’s examine a list of the top car insurance companies for customized vehicles.

Modified car insurers include:

  • Hagerty
  • J.C. Taylor
  • American National
  • Grundy
  • Safeco
  • American Collectors
  • Condon Skelly
  • American Modern
  • Esurance

Many top insurance companies don’t make the list. Since it’s more expensive to insure modified cars, some choose not to offer coverage.

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What are the disadvantages of not having modified auto insurance?

If you forget to tell your car insurance company about vehicle modifications, they can terminate your policy. More likely, your insurance won’t cover the added cost of specialty parts.

While you can still get standard auto insurance, your specialty parts won’t be covered. For example, let’s say you get a custom $10,000 paint job. Your standard auto insurance may only cover $5,000 for repainting your vehicle if it’s the cost of a regular paint job.

What auto insurance companies don’t insure modified cars?

Car insurance companies generally insure most vehicles, but they won’t cover modified parts on your car.

For example, if you’re looking for GEICO’s modified car insurance, you won’t find it because GEICO doesn’t have a designated auto insurance coverage for modified cars.

Additionally, the closest thing to State Farm modified car insurance is its sports car coverage.

Many insurance companies wouldn’t pay for custom parts on your vehicle even if you purchased the car with parts that didn’t come from the manufacturer.

Be upfront with your insurance company about vehicle modifications. While your auto insurance rates may be higher, parts will be covered, and you don’t have to worry about losing coverage.

How much are auto insurance rates for modified cars?

When you shop for auto insurance quotes for modified cars, you may not see an option to add modified auto insurance.

So, you’ll need to shop for unique coverage options for custom cars. The same way you would look for the best modified cars if you were on the market for a vehicle you’d be proud of, you want to ensure you’re getting a good policy to protect your vehicle. This often means taking some time to look at various companies and figure out the best deal.

Insurance for a modified car can be a little more complex than finding coverage for a standard vehicle. Custom vehicles are usually more expensive to insure and repair since modified cars have different custom parts that may cost more than parts from the original manufacturer.

Modifications that can raise car insurance rates include:

  • Rims
  • Bumpers
  • Custom paint jobs
  • High-performance engines
  • Turbochargers
  • Stereo systems

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Does full coverage auto insurance pay for modified parts?

It depends on your policy. Full coverage won’t pay for custom parts on your vehicle if you don’t have modified car insurance connected to your policy.

Full coverage typically includes liability, collision, comprehensive, and other mandatory coverages. However, the coverage pays for factory replacement parts, not expensive customer parts. 

That doesn’t mean you can’t find affordable insurance covering modified vehicles. For example, Esurance car insurance is about $333 a month for full coverage and modified car insurance.

However, your rates will vary. Several factors that affect auto insurance rates include age, driving record, ZIP code, and credit score.

Although many modifications raise your rates, some may lower them. For example, safety and anti-theft features may lower rates and earn discounts.

Modifications that may lower auto insurance rates include:

  • Alarm systems
  • Cameras
  • Backup sensors
  • Daytime running lights
  • Adaptive headlights

In addition, some car insurance companies may not raise rates for accessibility modifications, such as ramps, floor-mounted steering, and hand controls.

How do I buy auto insurance for modified cars?

You can buy mod car insurance the same way you purchase coverage for standard cars. However, it may take a little more leg work. Look for car insurance companies that usually cover custom cars.

Also, keep in mind that classic cars are different than modified cars. For example, according to the California Bureau of Automotive Repair, a vehicle must be insured with collector car insurance when the vehicle’s model year is over 35 years old.

Classic and antique auto insurance is easier to locate in the United States. Most of the top insurance companies provide coverage for collector cars. However, custom parts might be more challenging to insure.

To find the best car insurance for modified cars, shop around and be honest with insurers. If you’re upfront with an insurance company, you won’t get hit with damages your insurance won’t cover or risk losing coverage altogether.

What are the benefits of auto insurance for modified cars?

The advantage of insuring modified cars is that your modifications are covered if you get in an accident. Modified auto insurance also covers damage to custom car parts for damage after getting stolen.

Since custom modifications are generally expensive, failing to have the correct auto insurance leaves you with significant out-of-pocket expenses.

In addition to coverage, you can prevent your car insurance company from terminating your policy because of undisclosed custom parts when you have insurance for modified vehicles.

Auto Insurance Companies That Insure Modified Cars: The Bottom Line

Modified car insurance is essential for drivers who want to get coverage for custom parts on their vehicles. However, you may miss out on cheap auto insurance when you have to insure custom car parts.

Insurance for modified vehicles is typically more expensive than for standard cars since custom parts are expensive. Many insurance companies don’t want to take on the extra cost of replacing custom parts or the modified vehicle.

However, you must be honest with your insurance company. For example, some auto insurance companies could cancel your policy if you don’t inform them about modified parts, or they may refuse to pay for repairs.

The good news is that there are insurance companies out there that insure modified cars. So although you may have to research, it’s possible to find cheap insurance for modified vehicles.

Shop around and compare quotes from multiple companies to find the right coverage with the best rates.

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