Auto Insurance for a Sport Professional

Auto insurance for sports professionals can be expensive as they are lawsuit targets. It can cost as much as $450/mo. to insure a popular sport professional's vehicle.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 17, 2021

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Things to remember...

  • No one is exempted from the requirement to get car insurance as long as you plan to drive on a public road
  • Car insurance for a sports professional can be a bit more expensive because of the increased risk of insuring a high profile driver
  • As a sports professional, you may need to get higher policy limits than the average person because you will be a popular target of expensive lawsuits in the event that you are mixed up in a car accident with other people
  • Many sports professionals enjoy modifying the performance and appearance aspects of their cars
  • There is a high potential for vandalism among cars driven by sports professionals

If you are a sports professional, you are probably already anticipating that you may pay more for car insurance than the average Joe.

The main reasons for this are that sports professionals are higher-risk drivers because they draw attention for lawsuits and are generally perceived as riskier drivers. In addition, they tend to drive more expensive and exotic cars.

There are ways to ensure that you are getting the lowest rate possible while still getting all of the coverage you need. It just requires a little extra effort in shopping around and advance planning.

Compare top companies now to make sure you’re not overpaying for auto insurance!

Coverage Limits for Sports Professionals


You might think that a public figure, such as a sports professional, would not need to have as high of policy limits because they have the resources to pay out of pocket if they cause damage.

However, sports professionals are a more likely target for expensive claims and could be looking at serious lawsuitsC. This is why it is even more important to think carefully about the policy limits that make sense for a sports professional.

If you are generally curious about recommended policy limits, you should consider having $500,000/$1,000,000 for bodily injury liability and $100,000 for property damage liability.

If you are worried about protecting your expensive car in case you are hit by a driver who does not carry enough insurance to pay for the damage they caused, uninsured/uninsured motorist coverage will help you in this regard.

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

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Free Auto Insurance Comparison

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

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Coverage Types for Sports Professionals

For a sports professional, the same type of basic auto insurance policy should be considered as for an average driver. The main difference is that a sports professional will want to make sure that they have all of the supplemental coverage that would apply to them.

In general, the cars driven by sports professionals tend to be more exotic and higher in value than the average car. In fact, this is one of the reasons why car insurance for a sports professional is generally more expensive.

So, a sports professional must look out for claims from other drivers for the damage the sports professional causes as well as ways to protect their car in the event of an accident, vandalism or some other sort of unfortunate damage.

The popular types of insurance policies that help to protect the value of a car for a sports professional are collision and comprehensive insurance coverages policy.

If you have collision insurance, your car will be covered for repairs even if you cause the damage. Here are some examples:

  • If you damage your car while parking or hit a stationary object, the repair cost would be covered by your collision insurance policy.
  • If your car is damaged by vandals. For a sports professional, this is a common concern because of their high public profile and the generally high value of their cars. This is where comprehensive coverage can help protect the value of a sports professional’s car.
  • If your car is stolen. Another popular reason that a sports professional might have comprehensive coverage is that their cars are generally a popular target for theft because they are very valuable.

Getting a Reasonable Rate on Car Insurance for a Sport Professional

Just because you are a sports professional does not mean the same type of discounts will not be available to you as are options for average drivers.

This means that if you have an exotic car, you may be able to get a break on your rate by showing the insurance company that you have security measures installed to prevent it from being stolen or vandalized.

One of the easiest ways to reduce the cost of your insurance as a sports professional is to opt for a higher deductible. Even though you are going to fork over more out of your own pocket when your car is damaged, you are going to pay a lower rate for your premium.

You just have to decide on what amount you can afford and if having a higher deductible would keep you from ever wanting to file a claim.

Your car insurance company can show you the exact difference in the cost of insurance based on your various options for the amount of the deductible.

Another way to make sure that you do not pay too much for car insurance as a sports professional is to speak with your insurance agent about how modifications to your car will affect the coverage.

If you can do without a high-risk modification to your car, you may be able to get a more reasonable rate.

The Last Word on Car Insurance Considerations for a Sport Professional

If you are a sports professional, then some careful planning is required in obtaining the right car insurance coverage for you.

You may be required higher policy limits than the average driver, but this does not mean that you have to pay an arm and a leg for the coverage you need. It is in your best interest to collect multiple quotes for the most reasonable car insurance rate.

You also need to carefully vet the car insurance company you are considering so that you are not left in a lurch if you are faced with a claim situation in the future.

Get started finding car insurance today by entering your zip code below.

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