10 Best Auto Insurance Companies for Modified Cars in 2025 (Check Out These Providers)

State Farm, Progressive, and Allstate are the best auto insurance companies for modified cars.

Customizing your vehicle makes your car more unique and adds features that aren’t standard, such as a high-performance engine or flashy paint job (learn more: Does auto insurance cover paint damage?). However, finding auto insurance companies that insure modified cars can be difficult. The best modified car companies to shop at are listed below. 

Our Top 10 Company Picks: Best Auto Insurance Companies for Modified Cars

Read our guide to learn which companies provide coverage for modified cars and how auto insurance for modified vehicles works. Or, get insurance quotes for modified cars using our free quote tool to find the cheapest insurance for modified cars. 

#1 – State Farm: Top Pick Overall

Pros

• Local Agents: Modified car owners can get personalized assistance.  Learn more in our State Farm review.
• Safety Feature Discount: If some of your vehicle modifications are safety modifications, you could earn a discount.
• Good Driver Discount: State Farm discounts rates for safe drivers.

Cons

• Financial Stability: State Farm has a B rating, which is lower than its competition’s ratings.
• Good Driver Discount Availability: This discount isn’t offered in all areas.

#2 – Progressive: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage: Purchase comprehensive coverage for full modified car protection at Progressive.
• Snapshot Discount: Allowing Progressive to track your driving data could result in a large discount.
• Online Management: Progressive offers many convenient tools online. Find out more in our Progressive review.

Cons

• Claim Ratings: Some reviews about the processing of claims are negative.
• Snapshot Rates: Progressive could potentially raise rates for program participants.

#3 – Allstate: Best for Flexible Policies

Pros

• Flexible Policies: Car modification insurance policies are flexible at Allstate.
• Multiple-Vehicle Discount: Get a lower rate if you insure more than one car.
• Online Convenience: Allstate’s app provides online convenience to customers.

Cons

• Claims Processing: Allstate claims customers have some negative reviews.
• Higher Rates: Modified insurance may be more expensive. Find out more rate information in our review of Allstate.

#4 – Hagerty: Best for Extensive Coverage

Pros

• Extensive Coverage: Hagerty offers extensive coverage options for modified cars. Find out more in our Hagerty review.
• Agreed Value: Get the full worth of your car in a claim payment.
• Expertise: Hagerty specializes in collector and classic cars.

Cons

• Rates: Hargerty is usually more expensive for modified cars than other companies.
• Eligibility Requirements: Hagerty has storage requirements for some cars.

#5 – American Collectors Insurance: Best for Flexible Mileage

Pros

• Flexible Mileage: If your modified car is a classic, American Collectors offers flexible mileage limits on coverage.
• Agreed Value: Get the value of your modifications covered in a claim.
• Anti-Theft Discounts: If your modified car has anti-theft devices, you may get a lower rate (learn more: How to Get an Anti-Theft Discount).

Cons

• Storage Requirements: Some cars must follow American Collectors’ storage requirements to get coverage.
• Availability: Coverage may not be available in your state.

#6 – Grundy: Best for High-Policy Limits

Pros

• High-Policy Limits: Grundy has high policy limits available to customers.
• Agreed Value: Accident payouts for the full value of your modified car are guaranteed with this coverage (learn more: Best Auto Insurance Companies That Offer Agreed Value).
• Expertise: Grundy specializes in collector and classic vehicles.

Cons

• Eligibility: Grundy doesn’t insure all vehicles.
• Rates: Grundy charges more for high-value modifications.

#7 – American Modern: Best for Flexible Usage

Pros

• Flexible Usage: American Modern has more flexible usage policies for classic and collector cars.
• Agreed Value: Available from American Modern as extra protection. Learn more in our American Modern review.
• Spare Part Coverage: Tools and spare parts for your modified car can also be insured at American Modern.

Cons

• Availability: May not be sold in your state due to limited availability.
• Online Tools: It may be harder to manage polices online due to fewer online tools.

#8 – Farmers: Best for Multi-Policy Discounts

Pros

• Multi-Policy Discounts: Modified car insurance will be cheaper if customers bundle at Farmers.
• Personalized Support: There are local agents and online representatives available to assist customers. Learn more in our review of Farmers.
• Safe-Driving Discount: Modified car owners who are safe drivers will get cheaper rates.

Cons

• Claims Processing: This has been noted as slow in some customer reviews and ratings.
• Higher Rates: Modified vehicles will have more expensive rates for Farmers.

#9 – Safeco: Best for Agreed Value

Pros

• Agreed Value: Safeco offers agreed value for modified and collector cars.
• Bundling Discount: Get lower rates on insurance for modified cars by bundling.
• Financial Stability: Safeco has a solid rating. Learn more in our Safeco review.

Cons

• Availability: Some discounts and coverages are limited by state availability.
• Rates: Some locations or vehicles will have more expensive rates.

#10 – Nationwide: Best for Customizable Policies

Pros

• Customizable Policies: Customize modified insurance policies at Nationwide.
• Multi-Policy Discount: An easy way to save on insurance for modified vehicles.
• Financial Stability: Nationwide is stable financially. Learn more in our Nationwide review.

Cons

• Availability: Coverage may not be sold in your state.
• Customer Reviews: Nationwide’s average reviews don’t make it stand out for customer service.

Modified Car Insurance Companies

Do I need auto insurance for modified cars? Yes, your insurance company must be fully aware of any customizations made to your vehicle.

Modified cars require special insurance, but some of the best companies don’t provide auto insurance for custom cars.

So, where can you find the best insurance for modified cars? First, let’s examine a list of some specialty car insurance companies for customized vehicles.

Modified car insurers include:

• Hagerty
• J.C. Taylor
• American National
• Grundy
• Safeco
• American Collectors
• Condon Skelly
• American Modern
• Esurance

Many top insurance companies don’t make the list. Since it’s more expensive to insure modified cars, some choose not to offer coverage.

Cost of Car Insurance for Modified Cars

How much are auto insurance rates for modified cars? When you shop for auto insurance quotes for modified cars, you may not see an option to add modified auto insurance.

So, you’ll need to shop for unique coverage options for custom cars. In the same way, you would look for the best modified cars if you were on the market for a vehicle you’d be proud of; you want to ensure you’re getting a good policy to protect your vehicle. This often means taking some time to look at various companies and figure out the best deal.

Auto Insurance Monthly Rates for Modified Cars by Coverage Level & Provider

Insurance for a modified car can be a little more complex than finding coverage for a standard vehicle. Custom vehicles are usually more expensive to insure and repair since modified cars have different custom parts that may cost more than parts from the original manufacturer. 

The only way to know for sure what you’ll pay is to get quotes from companies like State Farm for your modified car.

Modifications that can raise car insurance rates include:

• Rims
• Bumpers
• Custom paint jobs
• High-performance engines
• Turbochargers
• Stereo systems

To save on modified car insurance, make sure to shop for auto insurance discounts at the top companies.

Auto Insurance Discounts From the Top Providers for Modified Cars

Discounts and shopping for quotes will help keep modified car insurance affordable.

Full Coverage for Modified Cars

Does full coverage auto insurance pay for modified parts? It depends on your policy. Full coverage won’t pay for custom parts on your vehicle if you don’t have modified car insurance connected to your policy.

Full coverage typically includes liability, collision, comprehensive, and other mandatory coverages. However, the coverage pays for factory replacement parts, not expensive customer parts. 

That doesn’t mean you can’t find affordable insurance covering modified vehicles. For example, Esurance car insurance is about $333 a month for full coverage and modified car insurance.

However, your rates will vary. Several factors that affect auto insurance rates include age, driving record, ZIP code, and credit score.

Although many modifications raise your rates, some may lower them. For example, safety and anti-theft features may lower rates and earn discounts.

Modifications that may lower auto insurance rates include:

• Alarm systems
• Cameras
• Backup sensors
• Daytime running lights
• Adaptive headlights

In addition, some car insurance companies may not raise rates for accessibility modifications, such as ramps, floor-mounted steering, and hand controls.

How to Buy the Best Insurance for Modified Cars

How do I buy auto insurance for modified cars? You can buy mod car insurance the same way you purchase coverage for standard cars. However, it may take a little more leg work. Look for car insurance companies that usually cover custom cars.

Also, keep in mind that classic cars are different than modified cars. For example, according to the California Bureau of Automotive Repair, a vehicle must be insured with collector car insurance when the vehicle’s model year is over 35 years old.

Classic and antique auto insurance is easier to locate in the United States. Most of the top insurance companies provide coverage for collector cars. However, custom parts might be more challenging to insure.

What are the benefits of auto insurance for modified cars?

The advantage of insuring modified cars is that your modifications are covered if you get into an accident. Modified auto insurance also covers damage to custom car parts for damage after getting stolen.

Since custom modifications are generally expensive, failing to have the correct auto insurance leaves you with significant out-of-pocket expenses.

In addition to coverage, you can prevent your car insurance company from terminating your policy because of undisclosed custom parts when you have insurance for modified vehicles.

Finding the Best Insurance Companies for Modified Cars: The Bottom Line

Modified car insurance is essential for drivers who want to get coverage for custom parts on their vehicles. However, you may miss out on cheap auto insurance when you have to insure custom car parts.

Insurance for modified vehicles is typically more expensive than for standard cars since custom parts are expensive. Many insurance companies don’t want to take on the extra cost of replacing custom parts or the modified vehicle.

However, you must be honest with your insurance company. For example, some auto insurance companies could cancel your policy if you don’t inform them about modified parts, or they may refuse to pay for repairs.

The good news is that there are insurance companies out there that insure modified cars. So although you may have to research, it’s possible to find cheap insurance for modified vehicles.

Shop around and compare quotes from multiple companies to find the right coverage with the best rates.