Best Auto Insurance Companies That Insure Modified Cars (2021)

SAFECO and Esurance are two of the best auto insurance companies that insure modified cars. On average, you could pay $333/month for full coverage with modified car insurance attached. Any custom parts installed on your vehicle will increase your rates, but you can secure affordable insurance rates by shopping around and comparing multiple companies.

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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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 3, 2021

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Things to Remember

  • Some of the best auto insurance companies won’t cover modified car parts under full coverage
  • A dozen auto insurance companies provide coverage for modified vehicles
  • Your auto insurance rates will increase if your vehicle is modified

Are you searching for car insurance companies that insure modified vehicles? The best auto insurance companies that insure modified cars must know about custom parts when you buy an insurance policy.

But what should you do if auto insurance companies that don’t insure modified cars won’t cover custom car parts?

Don’t worry — we’re here to help. Read our guide to learn which companies provide coverage for modified cars and how auto insurance for modified cars works.

After learning everything about auto insurance companies that insure modified cars, enter your ZIP code in the free online quote tool above to compare multiple companies near you.

Which auto insurance companies provide coverage for modified cars?

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

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

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

If you were looking for GEICO’s modified car insurance, you won’t find it. GEICO doesn’t have a designated auto insurance coverage for modified cars.

The closest thing to State Farm modified car insurance is its sports car coverage.

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What auto insurance companies don’t insure modified cars?

Car insurance companies generally insure most vehicles, but they won’t cover modified parts on your car.

Therefore, the best insurance companies won’t pay for custom parts on your vehicle even if you purchased the car with parts that didn’t come from the manufacturer.

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.

Custom vehicles are usually more expensive. That’s because modified cars have different types of custom parts, such as rims, bumpers, and custom paint jobs, that may cost more than the part from the original manufacturer.

Esurance car insurance is about $333 a month for full coverage and modified car insurance.

However, your rates will vary. That’s because several factors determine whether affordable auto insurance for modified cars is available to you.

How do I buy auto insurance for modified cars?

You can buy insurance for modified vehicles the same way you purchase coverage for standard cars.

But you should target car insurance companies that usually cover custom cars.

The California Bureau of Automotive Repair says that a vehicle has to 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. But custom parts might be more challenging to insure.

What are the benefits of auto insurance for modified cars?

The advantage of modified car insurance is that your modifications are covered if they’re damaged in an accident.

Modified auto insurance also covers damage to custom car parts if your car is damaged after being stolen.

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.

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Auto Insurance Companies That Will Insure Modified Cars: The Bottom Line

Modified car insurance is essential for drivers who want to get coverage for custom parts on their vehicles.

But you may miss out on cheap auto insurance when you have to insure custom car parts.

Some auto insurance companies might cancel your policy if you don’t inform them about modified parts.

Now that you know more about auto insurance companies that will insure modified cars, use our free comparison tool below to compare multiple insurance companies near you.

Frequently Asked Questions: Auto Insurance Companies That Will Insure Modified Cars

Do you want to know more about modified vehicles? Read these answers to frequently asked questions to learn more.

#1 – Do I need auto insurance for modified cars?

The minimum car insurance requirement is liability coverage. But modified auto insurance is needed for custom car parts.

#2 – 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.

#3 – What are the disadvantages of not having modified auto insurance?

Without car insurance for modified vehicles, you’ll need to inform your insurance company about custom parts.

If you forget to tell your car insurance company about modifications to your vehicle, they can terminate your policy.

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