High Performance Car Insurance (Cheap Rates + Guide)

High performance car insurance is offered by special companies that can afford to cover expensive vehicles. Vehicle specs, mileage, and safety all impact high performance car insurance rates. Average high performance auto insurance rates are $309.08/month. Find cheap high performance car insurance rates online now!

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UPDATED: Jul 30, 2020

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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jul 30, 2020Fact Checked

Here's what you need to know...

  • High performance cars require special high performance car insurance.
  • There are ways to save money even on high performance car insurance plans
  • An online high performance auto insurance rate comparison tool is a great way to compare many insurance companies and narrow down which ones to research more in your search for the best company for you

When you acquire a high-performance vehicle there is no way around purchasing a high-performance car insurance policy.

Although obtaining high-performance car insurance can come with a heavy price tag, you can get the best price options by performing thorough online research at direct comparison sites.

Compare the best high performance car insurance quotes for your high-performance vehicle now!

Obtaining the perfect dream car does not have to mean added expenses in the event of an accident. Added expenses may be avoided when consumers prepare for unexpected events by reviewing all aspects of performance car insurance.

What are the most important aspects of the best performance car insurance?

  • Vehicle specifications
  • Mileage of performance vehicles
  • Vehicle security
  • Your driving habits

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How do speed specifications impact high performance car insurance?

One aspect that insurance carriers look at when giving consumers a quote for performance car insurance is the speed of the vehicle.

Why do insurance companies take the amount of acceleration that a vehicle can obtain so seriously?

Without a doubt, the most important reason that insurance carriers take speed so seriously is that statistics have shown that high-accelerating vehicles usually result in higher claim amounts for insurance companies over time.

Consumers must know that the higher the speed their vehicle can obtain, the higher car insurance costs will be compared to standard vehicle models.

How do repair costs impact high performance car insurance?

Another aspect of performance car insurance costs takes into consideration the costs of repair. Consumers must obtain repair cost information before they purchase any vehicle with high-speed ability.

They must ask themselves if they are prepared to take on any cost associated with a collision that is not covered by their performance car insurance.

Consumers must also understand which parts are covered by their performance car insurance carrier in the event of unexpected repair. When consumers purchase a car with hard-to-find parts this may mean more expenses.

How does mileage save money?

Many consumers purchase their high-performance vehicles just to drive them on special occasions. If this is the case, the mileage on their vehicles may remain low, which can often mean significant savings on car insurance for the driver.

In most cases, when individuals drive their car less during a policy term it makes them less of a risk for accidents, repair, and ultimately insurance claims.

Therefore, insurance companies may give out discounts when customers drive their vehicle less often during the terms of a policy.

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How does security impact performance car insurance?

Although high-performance vehicles are hot items for consumer collectors and connoisseurs, they can also be hot items on the lists of thieves.

Therefore, when consumers make the security of their vehicle a high priority, most insurance carriers will reward that with a discount.

Consumers must research approved security measures for the high-performance car insurance carriers they are considering. Tracking devices can often offer consumers the best chance of insurance discounts.

Devices such as immobilizers may also offer consumers a great opportunity to improve the security of their high-performance vehicle and receive discounts from their carrier.

What do I need to know about safety features and discounts?

Going beyond the speed limit while driving a high-performance car, can often be a huge temptation for many drivers.

However, when consumers are committed to driving safely and staying within the bounds of standard-speed limitations, it can often mean significant savings on performance car insurance.

Still, consumers have the advantage to research and save money on performance car insurance by using an online quote tool:

  • Consumers can simply enter their local zip codes to begin searching for savings, rates and immediate discounts on performance car insurance.
  • Customers have the ability to receive hundreds of quotes for national top car insurance carriers for the aspect of insurance which is most important for them to receive.
  • Customers obtain the ability to understand important-policy aspects from the performance car insurance carrier of their choice.
  • Vital coverage levels can be revealed in detail upon narrowing down top choices.

The advantage of researching online comparisons for performance car insurance is the perfect choice for consumers because it is 100% free of charge.

In general, consumers should expect standard policy aspects from all performance car insurance carriers. Look for the following features from all companies you considering when doing online-comparison research:

  • All policy holders should receive genuine replacement parts in the event of necessary repair.
  • Consumers should receive suitable claim service during any 24/7 period.
  • Loyal consumers should be able to obtain exclusive relationships with car insurance providers for repair or replacement.
  • Consumers should also receive guarantees of workmanship for repairs for the lifetime of the vehicle at authorized facilities.

Compare several companies before you commit to one. Enter your zip below to compare high performance auto insurance rates and save!

How to Find Cheap High Performance Car Insurance Rates

Average high performance sports car insurance rates are $309.08/month in the US. Cars that can travel faster present a higher risk to car insurance companies.

  • If you are searching for cheap insurance for your high-performance sports car, compare several options before making a decision
  • Because of your car’s horsepower, you can expect to pay higher premiums than others
  • Unless your car is a classic or is extremely expensive, you should be able to find coverage from most any car insurance company

A high-performance car is a vehicle that has a lot of power compared to how heavy it is. Many people think that a high-performance car has to be a sports car, but that isn’t the case.

In most cases, you won’t have to find insurance specific to a high-performance car, though some cars — such as cars that exceed $150K in price — require specialty insurance because many regular insurance companies won’t insure them.

Most high-performance cars start around $40,000. While this isn’t by any means a cheap vehicle, you won’t have any problem finding regular insurance companies to provide you with coverage.

Because of this, you will have a much wider selection for your car insurance than if you were trying to insure a high-priced vehicle.

This wider selection means that there is more competition, which will equal bigger savings for you.

High-performance car insurance has average rates of $309.08/month

in the US. Because powerful cars can run fast, most insurance companies will assume that you intend to drive fast, leading to a higher price tag for your car insurance.

Enter your ZIP code at the top of this page and get cheap car insurance quotes from multiple providers for your high-performance car!

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Who sells cheap high performance car insurance?

You can purchase cheap high-performance car insurance from just about any insurer. You do, however, have the option of seeking out specialty companies.

Specialty companies often offer more options than a regular car insurance company will for a high-performance car.

You will usually find that specialty companies charge more for these services, so this is something to keep in mind if you are looking for ways to save money.

Insurance companies use the same criteria for determining what your costs will be as they would for a car with less horsepower.

You already know that the higher horsepower is going to affect your rates. Some of the other things that you can expect to affect your rates are:

  • Age
  • Gender
  • Credit score
  • Marital status
  • Driving history
  • Education
  • Car safety features

Because every insurance company is unique, it is impossible to list everything that will affect your price, but this is a general list of what they will consider.

Can you buy cheap high performance car insurance for young drivers? Yes, if you are willing to shop around. Sports car insurance rates can be expensive, especially for young drivers, but if you are willing to do your research and compare high performance auto insurance rates for young drivers from many companies then you have a bette chance of finding cheap coverage.

Is cheap high-performance car insurance available in every country?

If you are planning on traveling overseas to a country like the UK to stay for an extended period, you need to understand that their car insurance companies work a little differently than they do in the U.S.

Many insurance companies in the UK don’t cover high-performance cars.

In this case, you will find that a company that provides insurance for high-performance cars will also provide insurance for sports cars.

Unfortunately, this means that you will pay a little more for your insurance because everyone in the risk pool is considered a high-risk driver because of the type of car that they drive.

No matter where you are looking for cheap, high-performance car insurance, you can find your cheapest options by using a free quote tool. Quote tools are the easiest way to find low prices on any car insurance.

Enter your zip code below to start comparing prices for car insurance coverage today!

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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