Auto Insurance for Track Day

If you're a high performance driver, you'll find that many companies don’t offer car insurance with track day coverage. Companies may also charge 0.6 percent to 1 percent of your car’s total value when calculating your rates.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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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...

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Reviewed byDaniel Walker
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UPDATED: Jun 3, 2020

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Things to remember...

  • Most insurance companies don’t provide track day car insurance coverage. Instead, you’ll need to apply for an insurance policy that only covers you and your vehicle on the specific days you’ll be on the track
  • Although you’re not legally bound to have coverage for track days, doing so can ease the worry should something happen to you or your vehicle during the race
  • Read your policy’s handbook to determine whether you are covered for the track event. You could also contact your agent to learn what, if any, coverage the company gives you in the event of a car crash on the track
  • If you’re a high performance driver, you’ll find that many companies don’t offer car insurance with track day coverage.

Car enthusiasts may run into trouble when trying to find track day auto insurance. While most car insurance companies don’t include motorsports insurance on their policies, others make no guarantee that they will pay a claim in the event of an accident.

Although you could expect to pay more for track day coverage, not having coverage at all is a risk some drivers don’t want to take.

Most policies don’t cover third-party damages or offer liability protection if your vehicle damages another car, so if you have a track event coming up and you need car insurance, it’s better to start shopping for a policy sooner rather than later to ensure you get the best track day car insurance coverage possible.

Get auto insurance quotes for track day now just by entering your zip.

What is Track Day Insurance

Let’s look at just how does track insurance work.  

The first question is what is a track day or HPDE? A High-Performance Driving Event (HPDE) is not a race. It offers an opportunity for drivers to take their cars on a performance track at race speeds.

This video gives you some tips for your track day.

Keep in mind that insurance policies and coverage vary from one provider to another. Some may reimburse you for the cost of repairing or replacing an insured car that is participating in a track day event. Also, your off-track insurance company may not be able to provide performance insurance.

What are your options in terms of track day coverage?

Do I need insurance for a track day? Yes, you need to make sure you and your vehicle are covered. Besides accidental damage, other items that insurance companies may compensate you for include vehicle modifications, damaged engines, or fires that may begin after a crash.

Since few insurance companies offer coverage for track day events on a driver’s personal policy while others offer independent coverage, it’s important to compare quotes from different providers to obtain the services you need most.

When comparison shopping, understand that some companies may not cover damage to the brake pads, the engine, or to the fluids within the vehicle. Others do not reimburse you for towing fees or any deviations from your track day policy.

The insurance company assumes you are purchasing track day coverage solely for the time that your vehicle is on the track. Therefore, if you require supplemental car insurance coverage either before or after the event, let your provider know ahead of time. Failing to do so means you risk having a claim denied should something happen off of the course.

With normal insurance, comprehensive insurance covers damages to your vehicle that don’t stem from an accident. This coverage will differ for track day coverage, but let’s look at costs for comparison.

This table shows you the average annual cost for comprehensive coverage by state according to the National Association of Insurance Commissioners (NAIC). Search for your state in the box below.

Average Annual Comprehensive Rates by State
STATEAverage Annual Comprehensive Rates
Alabama$146.28
Alaska$141.08
Arizona$184.20
Arkansas$183.36
California$99.29
Colorado$158.34
Connecticut$126.02
Countrywide$138.87
Delaware$113.23
District of Columbia$230.25
Florida$110.12
Georgia$153.61
Hawaii$100.09
Idaho$110.78
Illinois$117.98
Indiana$115.02
Iowa$171.58
Kansas$230.65
Kentucky$130.15
Louisiana$208.59
Maine$96.66
Maryland$146.77
Massachusetts$128.92
Michigan$147.02
Minnesota$173.04
Mississippi$194.74
Missouri$166.34
Montana$199.87
Nebraska$206.24
Nevada$116.79
New Hampshire$103.03
New Jersey$123.18
New Mexico$166.89
New York$156.66
North Carolina$123.00
North Dakota$227.64
Ohio$112.74
Oklahoma$201.56
Oregon$89.66
Pennsylvania$132.01
Rhode Island$122.17
South Carolina$165.38
South Dakota$228.59
Tennessee$135.62
Texas$186.70
Utah$106.57
Vermont$118.31
Virginia$129.89
Washington$104.11
West Virginia$195.04
Wisconsin$126.34
Wyoming$222.86
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The cost of comprehensive insurance is very minimal, especially considering the amount of coverage you get.

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How does the insurance company determine your coverage?

Before the race, you might be required to participate in a “drivers’ education” event. Here, you will answer questions from an adjuster that will help to determine whether you are repaid for accidents that occur during the race. Some factors that will determine your track day insurance cost and coverage include:

  • Timing – Most providers do not cover a crash if the drivers are timed for the event. Therefore, it’s best to answer “no” if you’re asked since vehicle time trials may not be covered.
  • Car modifications – Most cars used in track events have been modified for better performance. You might find it difficult to obtain coverage if you have a roll-cage and full slicks on your vehicle. However, depending on the company, your provider may include an Agreed Valuation clause which will cover a modified vehicle auto insurance.
  • Racing event – You might not be entitled to coverage on your vehicle if your event is described as “racing” or a “competition.”
  • Insurance terms – Some policies outright refuse to compensate drivers for any damages or incidents that happen on a raceway. Read your policy closely to determine the terms of your specific company.
  • Instructor presence – Some instructors teach safe-driving courses with speeds less than 62 miles per hour. Having an instructor with you could increase the likelihood that you’re approved for track day insurance.

Keep in mind that cost and coverage will vary by company so getting multiple quotes is a must.

How do you go about getting an auto insurance policy for track day?

For standard cars, it’s relatively easy to purchase car insurance for track day.

Can you get auto insurance on the same day? Yes, however, it may be in your best interest to apply for a policy two to three days before the event so that you’re prepared for any inconveniences that may come your way and to allow the insurance company to finalize the paperwork in time.

Before you fill out the application, you’ll need to inform the provider of the day the event is happening. You can get insurance for a day or weekend for the event.

After you submit the application, you’ll be required to make a payment, and you’ll then receive the policy through your email.

If you have more exceptions added to your coverage or you need to make changes on a track day, consider calling the insurance company directly for quicker response time.

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Track Day Auto Insurance Rates

In most cases, you will be charged more for a track day insurance policy. However, by comparison shopping, you may be able to find a more affordable rate with a different company.

What insurance premiums can you expect to pay for track day coverage?

Obtain quotes from various providers or seek assistance from an experienced broker who can help determine which rates are best suited for your needs and your budget. In some cases, a provider will charge 0.6 percent to 1 percent of your car’s total value when calculating your premium. Depending on your car, track day insurance coverage rates will vary.

Other factors that an insurance company may take into consideration when determining rates are:

  • The model of your vehicle – If you drive an expensive, fast, or exotic car, be prepared to pay more for your car insurance than a “normal” car.  For example, classic car track day insurance may be higher than normal.
  • Your age – Much like other types of insurance coverage, your insurance company will take your age into consideration when determining the best coverage for you during the event.
  • Additional drivers – If you have a poor driving record that includes previous accidents, adding additional drivers on your policy may cause an increase in your coverage rates.
  • The circuit – If the event in which you’re participating has a history of low accidents during previous track days, then you may benefit from a lower premium.

Other types of policies only cover the vehicle and not the driver or his or her passengers. Therefore, when you’re shopping for a policy, make sure to ask whether the insurance company covers liability as well as the limits for this coverage.

Also, ask whether the provider has any requirements in terms of the condition or mileage of the car.

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Where can you get track day insurance?

Not all auto insurance companies offer track day insurance and the ones that do will differ in coverage and pricing.

For example, USAA track day insurance is different than OpenTrack insurance. And some companies offer specialized insurance such as Hagerty Insurance that deals with classic car insurance.

When picking auto insurance, it is important to know all you can about the company. Reading reviews, such as USAA or OpenTrack insurance reviews, gives you a good idea about the coverage and customer service each company offers.

Also, just like with normal car insurance, coverage will vary based on country. Track day car insurance in Australia and the UK will be different than the insurance offered in the US.

 

Ultimately, shop for a policy that provides the coverage you need at the best rate, and remember that insurance is not a free pass to operate your car without caution. Enter your zip here to start getting quotes today.

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