Best Track Day Auto Insurance in 2026 (Find the Top 10 Companies Here!)

#1 – State Farm: Top Overall Pick

Pros

• Excellent Customer Service: Strong reputation for personalized attention to policyholders. Find out more in our State Farm auto insurance review.
• Diverse Coverage Options: Offers a wide range of coverage options, including track day insurance, for various driving needs.
• Financial Stability: Demonstrates strong financial stability and reliability, providing peace of mind to customers.

Cons

• Higher Premiums: May not offer the most competitive rates compared to some other providers.
• Limited Discounts: Offers fewer discounts compared to competitors, potentially resulting in higher premiums for some customers.

#2 – Progressive: Best for Safe-Driving Discounts

Pros

• Innovative Tools and Technology: Offers innovative tools and technology for policy management and claims processing.
• Extensive Discount Options: Provides an extensive range of discounts, making it easier for customers to save on premiums.
• Flexible Policy Options: Offers flexible policy options, including track day insurance, catering to diverse driving needs.

Cons

• Inconsistent Customer Service:  In our Progressive auto insurance review, customer service quality can be inconsistent, with some users reporting dissatisfaction.
• Rate Increases After Incidents: Rates may increase significantly after accidents or violations, potentially leading to higher long-term costs.

#3 – Allstate: Best for Infrequent Drivers

Pros

• Efficient Claims Handling: Strong reputation for handling claims efficiently and effectively.
• Discount and Rewards Programs: Offers a variety of discounts and rewards programs for safe driving habits.
• Customizable Coverage Options: Provides customizable coverage options to tailor policies to individual needs.

Cons

• Higher Premiums: Premiums may be higher compared to some other providers, potentially limiting affordability for some customers. Use our Allstate auto insurance review as your guide.
• Limited Agent Availability: Limited availability of local agents in some areas may affect personalized service for customers.

#4 – Farmers: Best for Safe-Driving Discounts

Pros

• Comprehensive Coverage Options: Offers comprehensive coverage options, including track day insurance, for various vehicle types.
• Local Agent Network: Farmers, as mentioned in our Farmers auto insurance review, has a strong network of local agents providing personalized service and support.
• Variety of Discounts: Provides a variety of discounts to help customers save on premiums.

Cons

• Lower Customer Satisfaction Ratings: Customer satisfaction ratings may be lower compared to some competitors, potentially indicating issues with service quality.
• Limited Availability: Limited availability in certain regions may restrict options for some customers.

#5 – Travelers: Best for Bundling Policies

Pros

• Competitive Rates and Discounts: Offers competitive rates and a variety of discounts, helping customers save on premiums.
• Wide Coverage Options: Provides a wide range of coverage options, including track day insurance, for diverse driving needs.
• Strong Financial Stability: Demonstrates strong financial stability and a reputation for efficient claims handling.

Cons

• Limited Local Agents: Our Travelers auto insurance review reveals limited availability of local agents may affect personalized service for some customers.
• User-Friendly Interface: Some customers may find the online and mobile interface less intuitive compared to other providers, potentially leading to usability issues.

#6 – American Family: Best for Loyalty Rewards

Pros

• Personalized Service: Our examination of American Family insurance review reveals offers personalized service and support through a network of local agents.
• Discount and Rewards Programs: Provides a variety of discounts and rewards programs to help customers save on premiums.
• Flexible Policy Options: Offers flexible policy options, including coverage for high-performance vehicles and track day insurance.

Cons

• Higher Premiums: Premiums may be higher compared to some other providers, potentially limiting affordability for some customers.
• Limited Availability: Limited availability in certain regions may restrict options for some customers.

#7 – AAA: Best for Roadside Assistance

Pros

• Roadside Assistance Services: Strong reputation for roadside assistance services, providing added value to policyholders.
• Membership Benefits: Offers a variety of discounts and benefits to AAA members, including savings on insurance premiums.
• Coverage Options: Provides a wide range of coverage options, including specialized policies for high-performance vehicles. Your affordability guide starts with our AAA auto insurance review.

Cons

• Higher Premiums: Premiums may be higher compared to some other providers, potentially limiting affordability for some customers.
• Limited Coverage Options: Limited availability of coverage options in certain states or regions may restrict choices for customers.

#8 – Erie: Best for Personalized Policies

Pros

• Excellent Customer Service: High satisfaction ratings among policyholders, indicating excellent customer service.
• Competitive Rates and Discounts: Offers competitive rates and discounts, making it easier for customers to save on premiums.
• Financial Stability: Demonstrates strong financial stability and reliability, providing peace of mind to customers.

Cons

• Limited Availability: Limited availability in select states may restrict options for some customers.
• Coverage Options: May not offer as many coverage options or add-on coverages compared to larger insurers, potentially limiting customization for some customers. Read our Erie auto insurance review for guidance.

#9 – Liberty Mutual: Best for Add-on Coverages

Pros

• Discount and Rewards Programs: Offers a variety of discounts and rewards programs to help customers save on premiums.
• Coverage Options: Provides a wide range of coverage options, including specialized policies for high-performance vehicles.
• Financial Stability: Demonstrates strong financial stability and a reputation for efficient claims processing.

Cons

• Higher Premiums: Premiums may be higher compared to some other providers, potentially limiting affordability for some customers.
• Inconsistent Customer Service: Customer service quality can be inconsistent, with some users reporting difficulties in claims handling. For further insights, refer to our Liberty Mutual auto insurance review.

#10 – Nationwide: Best for Usage-Based Coverage

Pros

• Discount and Incentive Programs: Provides diverse discount and rewards programs to help customers save on premiums and enhance value.
• Wide-Ranging Coverage: Offers a broad spectrum of coverage options, including specialized policies catering to high-performance vehicles.
• Financial Stability and Claims Efficiency: Demonstrates robust financial stability and a track record of efficient claims processing, ensuring timely resolution for policyholders.

Cons

• Premium Pricing: Premiums, as mentioned in our Nationwide insurance review, may be higher compared to some competitors, potentially limiting affordability for certain customers.
• Service Consistency: Customer service quality can vary, with some users reporting occasional difficulties in claims handling.

Buying Track Day Auto Insurance

Track Day Auto Insurance Coverage 

Limitations of Track Day Auto Insurance Coverage

Understanding the Cost of Track Day Auto Insurance

The Final Word on Track Day Auto Insurance 

If you want to jump in and compare auto insurance rates today, use our free quote comparison tool to find your area’s best rates by entering your ZIP code.