Auto Insurance for Custom Vehicles

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Things to remember...

  • Your Department of Motor Vehicle will require documents like a certificate of origin, statement of construction, and safety inspection report to register your customized vehicle
  • Customized Parts and Equipment Coverage will provide protection for your modified parts that were not installed by the original manufacturer
  • Many insurance companies will impose exclusions on the policy when racing with your customized car or when you fail to report additional modifications

A customized vehicle is a vehicle that has been altered from the original state with aftermarket components for purposes of classic appearance or improved engine capabilities. The alterations come at a huge price making the entire vehicle extremely valuable.

So, if you have incorporated a hydraulic suspension, a racing spoiler, a supercharger, and classic paintwork to your 1994 Honda Civic, your next question should be, “Where do I get the car insurance for my new machine?”

Customized vehicles will definitely attract higher insurance rates due to the expensive components that are more attractive to thieves and vandals.

You can certainly compare quotes from various insurance providers and get the best possible rates in the market. Use our free comparison tool today to begin.

Let’s begin by taking you through the registration process since you’ll need it to acquire auto insurance.

Registering a Customized Vehicle


The Department of Motor Vehicle (DMV) or other motor vehicle registration agency appointed by the state will require the following documents as a proof of ownership in order to register your customized car:

  • An application for registration or title
  • A statement of construction
  • Proof of vehicle’s safety inspection or vehicle verification
  • A certificate of origin

Many insurance companies will back away from insuring your modified vehicle due to the risk of theft associated with such cars and the expensive features that may cost a fortune to replace in case of an accident or theft.

Here are the modification types that affect the cost of insuring these vehicles:

  • Chrome bumpers
  • Vertical doors
  • Racing tires and chrome wheels
  • Hood ornaments
  • Auxiliary lighting (fog lights)
  • Front or rear spoilers
  • New stereo systems
  • Under-car accent lights

Customized Parts and Equipment Coverage

The additional features listed above and other customized paintwork and encryptions can be quite costly and you’ll not want to leave everything to chance.

Depending on the level of enhancements you use on your car, the insurance rates could vary from one provider to another. Take your time to shop around and compare quotes online before settling on a policy.

Auto insurance companies will only cover the features included by the original manufacturer.

If you choose to add any modification like GPS, customized paintwork, or decorations on the sides, be sure to take a customized parts and equipment coverage to take care of your favorite additions in the case of damage.

In some states, it may be a requirement to have a collision and comprehensive coverage to get customized parts and equipment coverage.

Collector Car Insurance


Collector car insurance is an ideal solution for providing cover to a wide range of vehicles including Brass Era Classics and the favorite Honda Civic.

Honda Civic, in particular, offers the perfect vehicle for modification and that’s why it tops the list of the most stolen car on the U.S roads.

Collector car insurance offers savings amounting to over 43 percent and doesn’t offer limits to the level of modifications you can do on your car and the number of mileage you can cover.

However, customized cars are critically underwritten and the insurance rates will be highly affected by the extent of use.

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Why People Perceive that Finding Customized Car Insurance is Difficult

There is a common misconception about the class of people who modify their cars and the types of modifications people use. There’s a lot to customized vehicles that what you see in the movies.

The majority of people customizing their cars simply do it as a hobby driven by the passion for powerful engines, shining chrome wheels, and elaborate paint work.

Additionally, most people with customized vehicles love their cars and take good care of them. That is a big plus for insurance firms since there would be less likelihood of damage to their precious acquisitions.

Top class garaging, low mileage, and high-class maintenance schedules are a common practice for those hobbyists. Since they have spent thousands of dollars customizing their favorite cars, they won’t risk losing it through reckless driving.

Custom parts and equipment coverage (CPE) covers for permanently installed customized parts and equipment, accessories, devices, enhancements, and other changes not fitted by the original manufacturer.

How to Save on Insurance for Customized Cars


Speed, style, and flair form the basis for customized car enthusiasts.

Some drivers have been known to soar up dangerous speeds just to showcase their brand new cars with monstrous engine capacities. This has resulted in dangerous driving in some states.

That’s why auto insurance for such cars has been soaring high and some insurers totally shy away from offering covers for such cars.

However, you don’t need to worry about getting some of the best insurance rates in the market for your customized car. The idea is to get as many online quotes as you can and make comparisons.

Customized Car Insurance Exclusions

It’s important to note that the insurance covers for customized vehicles may have some exclusion. Here are the common exclusions that you should be aware of:

– Racing Exclusions

Many auto insurance companies will impose exclusions for accidents that occur when you’re racing with your modified car. It doesn’t really matter whether the racing is legal or not.

Depending on your state, even test driving your customized car on a race track may lead to the insurance company declining a claim in case of an accident.

In some states, however, as long as the car is not actually participating in a race, the insurers will not be allowed to deny coverage for accidents on the race track.

It simply means that you can enjoy the cruising speeds on the race tracks and get covered as long as you’re not racing.

You need to review your policy terms and see if you’re covered for driving on a race track. It will depend on your insurance provider and the state laws.

– Reporting Exclusions

Insurance firms will not honor claims if they discover that you included some modifications on your car and failed to report the changes. Any modifications that are not reported are considered illegal and such will not be covered in case of an accident.

In special cases, the insurer may reimburse part of your claim but not all the modifications you’ve made to the car. Some insurance companies will totally void your policy if they discover the undisclosed modifications.

You should always make sure that your insurer is notified of every modification you add to your customized car to ensure that you’ll get reimbursement in case of an accident or damage.

It may be tempting to keep quiet about some to avoid a premium increase, but you should be aware that you won’t be reimbursed for them.

The bottom line is to compare quotes from various insurance providers to get the best rates for collision, comprehensive, and customized parts and equipment coverage.  Compare today and see how much you could save on car insurance.

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