High-Performance Vehicle Insurance
High-horsepower and exotic vehicles carry higher repair costs and higher liability exposure, so limits, valuation, and repair terms deserve extra attention.
How this coverage works
Why performance vehicles are underwritten differently
Repair costs, parts availability, and specialized labor drive physical damage pricing. Liability exposure is also evaluated differently because of vehicle capability.
Not every insurance carrier writes these vehicles, and eligibility can hinge on driving history, storage, and annual mileage.
Track and competitive use
Personal auto and specialty forms almost always exclude timed events, competition, and track use. If you attend driving events, discuss it before a loss occurs rather than after.
Details to review
- Valuation approach reviewed before binding
- Repair facility and parts sourcing considerations
- Higher liability limits and umbrella coordination
- Track day exclusions explained clearly
What the coverage includes
Coverage names, terms, and availability vary by insurance carrier and state. These descriptions are educational and are not a policy contract.
Common optional add-ons
Endorsements change what a policy covers. Availability differs by insurance carrier and state.
Rental reimbursement
Helps with a temporary vehicle while a covered repair is completed.
Roadside assistance
Towing, jump starts, lockout help, and flat tire service, depending on the plan.
Full glass or reduced glass deductible
Changes how windshield and glass claims are handled. Availability varies by state.
Loan or lease gap coverage
Addresses the difference between an actual cash value settlement and a loan or lease balance.
Custom equipment coverage
Extends coverage to permanently installed equipment beyond factory equipment.
Accident forgiveness
May limit the rating effect of a first at-fault accident where a carrier offers it.
Who this is generally written for
Eligibility is set by each insurance carrier and can differ by state. Nothing here is a guarantee of eligibility or coverage.
Commonly a good fit
- Owners with a clean recent driving record
- Secured garage storage
- Limited annual mileage
Worth a conversation first
- Any track, autocross, or timed event participation
- Modified engine or forced induction changes
- Multiple recent violations
Availability varies by state
State regulation notice
- No-fault states
- Personal injury protection replaces or supplements medical payments and changes how injury claims are handled.
- FR-44 states
- A small number of states use FR-44 filings, which generally require higher liability limits than SR-22 filings.
- Border states
- Travel into Mexico requires a separate policy issued by an insurance carrier authorized in Mexico.
Frequently asked questions
Coverage that often comes up next
Related coverage worth reviewing at the same time. Nothing is added without your direction.
- Homeowners InsurancePairing home and auto is the most common way households simplify coverage.Learn more
- Personal UmbrellaAdds liability limits above your auto and home policies.Learn more
Bundle review: auto and home
A licensed insurance professional can review whether combining your auto and property coverage with one insurance carrier improves your overall program. Availability of multi-policy discounts varies by carrier and state.
- Personal Auto
- Homeowners, Condo, or Renters
- Personal Umbrella
- Motorcycle InsuranceSeparate coverage for bikes, scooters, and off-road vehicles.Learn more
Ready to compare your options?
Start online in a few minutes or speak with a licensed insurance professional. There is no obligation, and quoting does not bind coverage.
Insurance coverage is not bound or effective unless and until it has been confirmed in writing by TruvaLink Insurance Agency or an authorized representative of the applicable insurance carrier. Submission of a quote request, application, payment, or other information does not guarantee coverage or constitute proof of insurance.