Best Car Insurance Company That Insures Modified Cars (2024)
If you are looking for the best car insurance companies that insure modified cars, some major car insurance companies fit the bill. However, specialty insurers might be the best affordable car insurance companies that insure modified cars because they primarily focus on modified and classic cars. Specialty companies are more likely to immediately cover cars you add to your policy for 30 days, but all car companies that insure modified cars will offer you agreed value.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Sep 20, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Grundy, Allstate, and American Modern are among the best car insurance companies that insure modified cars
- Hagerty and State Farm are among some of the best car insurance companies that do insure modified cars
- Car insurance companies usually insure cars that have utility modifications, but the list differs among companies
Are you trying to find the best car insurance companies that insure modified vehicles? Some major car insurance companies will, but many specialty insurance companies offer coverage options as well.
To help you choose among the best car insurance companies that insure modified cars, we have created a list of 15 companies. From this list, a few stand out because of the benefits they offer policyholders.
Ultimately, you need to compare car insurance coverages and quotes to find the best company for you.
Read on to know more about the best car insurance companies that insure modified cars. If you want to look at cheap auto insurance rates from top car insurance companies in your area right now, enter your ZIP code into our free quote tool above.
Which are the best car insurance companies that insure modified cars?
All these companies insure modified cars:
Best Car Insurance Companies That Insure Modified Cars: Car Insurance Rates
| Car Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $1,976.24 |
| American Collectors | $1,004.40 |
| American Modern | $1,481 |
| Auto-Owners Insurance | $1,443 |
| Chubb | $2,080 |
| Farmers | $1,366.60 |
| GEICO | $1,295.40 |
| Grundy | $1,000* |
| Haggerty | $1,200 |
| Nationwide | $1,896.67 |
| New Jersey Manufacturers | $1,189.75 |
| Progressive | $1,765.62 |
| Safeco | $1,188 |
| State Farm | $1,285.90 |
| USAA | $1,282.83 |
* Insurance for Grundy might be cheapest if you insure one classic car.
Every auto insurance provider listed here also covers classic and collector cars, and they offer agreed value.
Read more: Best Car Insurance Quotes by Vehicle
The Best Specialty Insurance Companies in This Group
The best car insurance in this area might be all the specialty companies: American Collectors, American Modern, Chubb, Grundy, and Hagerty. All these companies will immediately cover cars you add to your auto insurance policy for 30 days, but Grundy and Hagerty stand out with special coverage.
Key features of a Grundy car insurance policy include:
- Original equipment manufacturer parts coverage
- A deductible waiver if your car suffers damage beyond repair
- Personal property protection so you can replace any property that was in your car during a robbery
- Coverage for daily-use vehicles
Hagerty will cover your modified car if:
- It has a custom paint job that costs more than $10,000
- You upgraded the engine or fuel system, etc., to improve the car’s
- performance
- You made any structural changes to the car’s body
Hagerty is a trusted name in the industry, and it works with some other companies we listed above, including Allstate and Progressive. In addition, Hagerty will partner with State Farm to provide home and renters insurance bundles for its customers. (For more information, read our “Hagerty Insurance Review & Complaints: Auto, Boat & Business Insurance“).
The Best Major Companies in This Group
Allstate, Auto-Owners Insurance, and Progressive are major insurers that offer the best insurance for modified cars.
- Allstate and Progressive will insure your modified car like they would a regular vehicle, and both companies offer insurance for your customizations at agreed value.
- For classic vehicles, Allstate offers full coverage. You can also get medical payments, personal injury protection coverage, underinsured and uninsured motorist protection, roadside assistance, a personal umbrella policy, and rental reimbursement.
- Auto-Owners insurance will cover any vehicle you modify for better performance or accessibility.
Why don’t GEICO and State Farm belong on this shortlist? GEICO modified car insurance may fall under its classic car insurance. State Farm modified car insurance is limited to safety modifications.
Read more: Can I get car insurance for a car that is modified or customized?
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Which are some car insurance companies that don’t insure modified cars?
Here are 16 major car insurance companies that will not insure modified cars:
Car Insurance Companies That Don’t Insure Modified Cars: Coverage & Cost Comparison
| Car Insurance Company | Coverage for Modifications | Classic Car or Collector Car Insurance Coverage | Average Annual Rates |
|---|---|---|---|
| 21st Century | No | Yes | $1,424 |
| AAA | No | Yes | $1,721.20 |
| American Family | No | Yes | $1,461.50 |
| Amica Mutual | No | No | $1,281.60 |
| Erie | No | Yes | $1,230 |
| Esurance | No | Yes | $1,876 |
| Germania | No | No | $1,109.66 |
| Kemper | No | No | $2,930 |
| Liberty Mutual | No | Yes | $1,436.37 |
| Mercury Insurance | No | No | $1,197 |
| Plymouth Rock | No | Yes* | $1,656 |
| Shelter Insurance | No | No | $2,550 |
| Tennessee Farmers | No | No | $1,428 |
| The Hanover Insurance Group | No | No | $2,490 |
| The Hartford | No | Yes | $1,247.83 |
| West Bend | No | Yes | $1,180 |
* Plymouth Rock’s classic car insurance is only available in Massachusetts & New Jersey.
Read more:
- The Hanover Insurance Group Review & Complaints: Auto, Home & Business Insurance
- Shelter Insurance Review & Complaints: Auto, Home, Life & Business Insurance
From this group, American Family and The Hartford stand out because of their classic car coverage. Liberty Mutual is one of the best insurance companies overall for its car insurance, with plenty of affordable options for people.
American Family offers classic car owners almost all the types of optional coverages it offers drivers of non-modified cars. Also, if your cars are at least 10 years old, American Family will insure them. Additionally, you do not need to hold yourself to a mileage limit with your classic vehicle.
The Hartford offers full coverage for classic and collector cars, with agreed value. Also, the company offers 24/7 roadside assistance and flatbed towing. Additionally, you can take advantage of classic car and driving course discounts.
Which modifications will your car insurance company insure?
Your regular car insurance will likely cover vehicle modifications that add to your car’s utility, like bike racks, roof racks, sunroofs, and toolbars. In some instances, added leather seats might not raise your insurance rates.
In other cases, you can lower your insurance rates by adding anti-theft or safety features to your car. That includes rear cameras.
You will likely need to get add-on coverage for upgrades addressing your car’s appearance, entertainment value, and performance. This includes engine upgrades, custom paint jobs, and custom tires, rims, and spinners.
Some upgrades are expensive to replace and increase the risk of car theft, which is why you can expect to pay higher rates with car insurance companies that cover modified cars.
Some companies will not cover modifications that make your car more accessible for disabled drivers or riders. However, the National Highway Traffic Safety Administration states that you may have coverage for these modifications if you develop a disability because of a car crash.
What else should you know before buying modified car insurance?
There are a few things you need to do before getting modifications to your car:
- First, make sure that the modifications for your car are legal in your state;
- Secondly, determine which car insurance companies will cover your modified car, and;
- Third, talk to an agent before getting the customizations or purchasing a customized vehicle.
Ultimately, you must be honest with your car insurance company. That way the company can assess the risk, and you can have the right amount of coverage you need in case of an accident.
We hope that this information about the best car insurance companies that insure modified cars has helped you in your search. If you would like to see quotes from top car insurance companies in your area, enter your ZIP code into our free quote tool below.
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Case Studies: Best Car Insurance Companies That Insure Modified Cars
Case Study 1: Specialized Coverage for a Unique Vehicle
Mark, an avid car enthusiast, modified his vehicle with a new engine and custom paint job. He chose Grundy as his insurance provider because they specialize in insuring modified and classic cars, offering agreed value coverage that accurately reflects the value of Mark’s unique vehicle.
Case Study 2: Comprehensive Coverage for Performance Enhancements
Sarah owns a classic car with performance upgrades. She selected Hagerty for her insurance needs as they specialize in modified and collector car insurance, providing comprehensive coverage that includes performance enhancements.
Case Study 3: Coverage for a Car Collection
Jake, a car collector with multiple modified vehicles, needed coverage for his entire collection. He opted for Progressive as they offer coverage for modified vehicles and a seamless process for adding new cars to his policy.
Frequently Asked Questions
What is a modified car?
A modified car is a vehicle that has been altered from its original factory specifications in some way. This can include changes to the engine, suspension, body, or other parts.
Can I get car insurance for my modified car?
Yes, you can get car insurance for your modified car. However, not all insurance companies offer coverage for modified vehicles, so you’ll need to do some research to find a company that does.
What is the best car insurance company for modified cars?
There is no one “best” car insurance company for modified cars, as different companies may have different policies and rates depending on your specific situation. However, some insurance companies that are known to offer coverage for modified cars include:
- Hagerty
- Grundy
- American Collectors Insurance
What kind of coverage do I need for my modified car?
The type of coverage you need for your modified car will depend on how extensively the car has been modified and how you plan to use it. In general, you’ll want to look for coverage that includes:
- liability
- collision
- comprehensive insurance
Will my insurance rates be higher for a modified car?
Yes, in most cases, insurance rates for modified cars will be higher than for a standard, unmodified vehicle. This is because modified cars are often considered to be higher-risk vehicles.
What information do I need to provide to get a quote for car insurance for my modified car?
To get a quote for car insurance for your modified car, you’ll typically need to provide information about the make and model of your car, the modifications you’ve made to it, and how you plan to use the car.
Can I insure my modified car with a standard car insurance policy?
It’s possible to insure your modified car with a standard car insurance policy, but this may not provide adequate coverage for your needs. You may want to consider a specialized insurance policy designed specifically for modified cars.
How can I find the best car insurance policy for my modified car?
To find the best car insurance policy for your modified car, you’ll want to do some research and compare quotes from multiple insurance companies. Look for companies that specialize in insuring modified cars and have experience working with car enthusiasts. You may also want to read reviews and talk to other car enthusiasts to get recommendations.
Are you looking for free insurance quotes?
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.