Car Insurance For Turbo Cars: The Complete Guide

Car insurance for turbo cars may have higher rates due to the speed and risk associated with the engine. Car insurance rates for turbo vehicles also depend on model, driver, and location. Learn more here.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

UPDATED: Jun 2, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

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: Jun 2, 2022Fact Checked

Here's what you need to know...

  • While there is a long list of turbo-charged cars that are classified as private passenger cars, they can still be considered a specialty risk
  • To fully understand why your insurance is going to be more costly when you buy a car with a stock turbo engine, you will need to learn what factors will affect your own unique premiums
  • Crash test ratings and structural design are not the only details that are going to really raise your premiums

If you have a need for speed, a turbocharged engine is probably on your must-have list as you shop for a new car.

While several other features and amenities might matter to you, the single most important factor that will be considered by an insurance company when determining your premiums is the fact that the car has the ability to go from 0 to 60 in just seconds.

This fact alone is enough to raise risk and ultimately raise premiums for vehicle owners who have a passion for turbo cars. However, there are a number of factors that will determine what your price range will be for coverage. We’ll cover some of them below.

Start comparing car insurance rates now by using our FREE tool below.

Why Vehicle Type Matters

While there is a long list of turbocharged cars that are classified as private passenger cars, they can still be considered a specialty risk to many of the leading insurers selling products in the personal insurance marketplace.

Since not all carriers are willing to take on high-risk applicants, finding a company that is willing to cover your turbo car might be a bit more challenging than you might expect.

To fully understand why your insurance is going to be more costly when you buy a car with a stock turbo engine or a turbo modification you will need to learn what factors will affect your own unique premiums. The Insurance Information Institute has plenty of resources for this purpose.

Demographic factors are considered, like your age and gender, as well as your driving habits and record.

In addition to considering those habits and the demographics that can make you more of a risk, is the type of vehicle that you drive. Vehicles that focus on maximum performance are often seen as high-risk because the cost to repair them is on average higher than a base model of the same type.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

Which vehicle details affect your premiums?

Some consumers assume that the primary factor that an insurer will consider when they are trying to assign a premium to a specific car is value.

While a car’s worth might be considered for a specialty stated value plan, the MSRP of the vehicle is not what insurers base premiums off of. Instead of considering value, the carrier will consider safety ratings, accident statistics, and average repair costs.

If a car has a high risk of death or serious injury when there is a major collision, the rates for that car will be higher than the average car.

One of the first factors that will be considered is crash-worthiness. In line with this factor is vehicle structural design, which is based on the car’s ability to absorb the force from a crash to protect vehicle occupants.

If there are larger crush zones, rates for personal injury protection and medical payments will be higher.

Crash-test ratings and structural design are not the only details that are going to really raise your premiums.

Here are some other safety features and other vehicle features that will affect rates:

  • Vehicle size
  • Vehicle weight
  • Restraint systems
  • Anti-lock brakes
  • Daytime running lights
  • Claims statistics
  • On the road experience
  • Primary demographic that drives the vehicle
  • Modifications or high-performance features that make the vehicle dangerous

Why does a turbo engine make a vehicle riskier?

A turbo engine is a supercharged engine that produces more power and gives the driver the ability to go faster in a shorter amount of time.

To produce more power, the turbo-driven engine is spinning between 100,000 and 200,000 revolutions per minute.

Compared to the normal non-torque and non-turbo engine that spins at 2500 rpm, this can be a lot for drivers who are inexperienced to handle.

Insurance companies are not concerned about the fact that a turbocharged engine is much more likely to break down. This is because wear and tear and breakdowns are not covered by an auto insurance policy.

What the carrier is concerned about is that a car that is able to travel at high speeds and speed increases the likelihood of a crash.

Since it is more likely that someone behind the wheel of a supercharged vehicle will suffer a crash, rates are higher. This might not mean that you will be guilty of speeding because your car is capable of it, but the statistics show that many drivers do.

Since carriers can only trust the statistics, carriers will either decline a car with a turbo engine or charge exorbitant rates.

Tips On Finding Turbo Car Insurance

Now that you know what makes insuring a car with a turbocharged engine challenging, it is time to learn what steps you need to take to find insurance.

Finding coverage for a car with a turbo modification might be difficult because of the exclusions that are written into standard policies.

Some may accept a turbo engine, and others may want to assess the horsepower and its power before even considering the modification.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

Review Underwriting Guidelines For Turbo Insurance

Many companies will decline sports cars with an engine that spins at 500 horsepower or more.

This is why you need to review the underwriting guidelines of the biggest companies before getting quotes. 

You can find these guidelines online or by contacting companies directly.

You may also want to check the forums for vehicle owners of high-performance cars to be directed to companies that they have found will insure their risky cars.

Compare Car Rates Before You Make a Modification

If you already own a car and you are thinking about having an aftermarket turbo kit installed, you should start to compare rates before you take the plunge.

Driving a powerful engine that growls may be what makes your day, but paying your insurance bill could really take away from that happiness. Whether you need insurance for stock cars with turbo

If you do not do a rate comparison before you buy a turbo car or before you get the kit installed, you could own a car that you just cannot afford to continuously insure.

The best way to compare insurance rates for cars with stock turbo and even for standard cars is to use a rate comparison tool.

By using this web-based type of tool that connects you to premiums through several different carriers, you can determine if you are willing to pay a turbo-charged premium for your turbocharged vehicle.

Web comparison tools will show you instant and personalized quotes to some of the leading companies that serve your ZIP code.

Start comparing car insurance rates now by entering your ZIP code in our FREE tool below.

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.

Full Bio →

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption