Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Key takeaways...

  • Kit cars are fun innovations for car enthusiasts and require special insurance covers
  • Kit cars are quite valuable and hence are liable to theft
  • Insurance comparison shopping enables you to find the best cover for your kit car at affordable rates

Every car enthusiast would like to build their own custom kit car at some point in their life. You need a special kit car insurance to cover you from start to finish.

The insurance will cover your kit car from individual pieces to the time it’s roadworthy and ready to take on the highways. You should expect the insurance cover to be a little bit more expensive since kit cars are considered a high-risk coverage.

Minimize the cost to insure by comparing quotes from several companies at once. There are several steps you need to take before choosing the best insurance cover for your kit car:

Understand the Process of Making a Kit Car


A kit car is more of a model car, though it’s life-sized and has full vehicle functionalities. Every piece may be shipped to you from local manufacturers, and sometimes from international quarters.

It’s your work to assemble all the pieces together to come up with your model kit car. It’s critical to note that every individual piece is insured to ensure safe shipment and transportation to your location.

This is to cover any damages or loss that may occur on the way. When the assembly is ready, you will again acquire an insurance cover for your kit car.

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Learn about the Kit Car Company

After settling on the kit car you want to buy and the companies or manufacturers going to supply your parts, it’s important to seek some information from the supplier’s insurer or their affiliate insurance service providers.

Contact the kit car supplier and inquire about what insurance options are available. Some insurance firms may cover your parts on their journey until your receive them safely, while others may cover for the entire project.

You should know which option is convenient and cost-effective for you and share with the kit car supplier.

Different insurance firms use different terms to refer to kit car insurance. Some will call it collector car insurance while others call it hobbyist car insurance.

Look for reputable insurance firms that offer this special cover in addition to the mainstream car insurance covers.

Alternatively, seek the services from companies that solely specialize in kit car insurance.

Get Free Quotes and Compare


You can search online for free comparison from various insurance firms. You need to compare full coverage from shipping to final assembly or look for policies that only cover shipment and worry about driving coverage once the kit car is ready to hit the road.

You may have to make calls to individual insurance firms to see which option will be less costly.

Also, ask any stipulations the insurer poses on kit cars as compared to regular cars. For instance, some insurance companies may limit the number of miles you can cover with your kit car every year.

Compare Car Insurance Companies

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Features of Kit Cars

After considering all the steps in acquiring kit car insurance, you’ll have an easier task of picking on the best cover and contacting your preferred insurance company for the cover.

The cost can be princely, but it will be worth the hassle as to cruise the highways with your branded kit car.

One important feature of a kit car is the extremely lightweight. The main reason for this is to allow for higher cruising speeds and greater acceleration that enhances your driving experience.

The idea is to increase the power to size ratio to generate a powerful car that runs much faster. However, the lightweight and high cruising speeds come with some downsides.

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The Downsides


Smaller cars with lightweight and powerful engines are targets for car thieves. The insurance firms attribute this to the fact that thieves would want to steal the powerful engines and use them on larger cars while disposing of the body parts.

Other robbers use them to zoom away from the crime scene due to their high acceleration and cruising speeds.

Another pitfall is the lack of critical safety features including the following:

  • Airbags
  • High impact crumple zones
  • Antilock brakes

This makes the insurance companies charge more in premiums making kit car insurance rates quite high.

If your insurance company has turned its back on you or you are not able to find affordable kit car insurance, here are a few tips that will substantially reduce your rates:

First Contact Your Insurance Firm

You need to contact your regular car insurance provider and see if they can offer the best rates in the market. There’s a high chance they can offer you good rates on your kit car insurance based on your exemplary claim-free record.

Compare Several Quotes Online

Once you’ve talked to your insurance agent, search online for free quotes on kit car insurance. You may be surprised by some incredible rates you can find around.

Compare numerous quotes from different companies at once and see which offer best suits your insurance needs and budget constraints.

Carry Out Some Personal Investigations

After making several comparisons, contact a few companies with the best rates and see if they can offer some discounts based on your driving record. Ask for recommendations from friends who probably have running policies with those insurance companies.

Pay Attention to Detail

Take your time to read the fine print. Analyze the different terms and conditions subjected to the policy and see special restrictions on the kit car insurance cover before making your final decision.

Check for Extra Features

Don’t forget to look for more benefits from your kit car insurance cover. Remember, the regular car insurance companies will only look at the numbers.

However, insurance firms that specialize solely in the kit car and special automobile insurance may offer unique features that make you feel good about your vehicle. Shop around and see which premium features thrill you.

Once you purchase your insurance cover, you can do a number of things to keep your premiums low. Here are the tips:

  • Install Security Immobilize this will deter potential thieves from driving away with your kit car
  • Use smaller engines however much this may be difficult, try using smaller engines sizes for your kit car to make it less attractive to thieves
  • Be honest with specifications always strive to be completely honest about your kit car specifications with your insurance firm to avoid claim issues should you get an accident


Owning a kit car can be great hobby and fun. However, finding an affordable insurance cover for a kit car can be quite a challenge.

Having considered the various features of kit cars discussed above, shopping around and making as many comparisons as possible should help you find a suitable insurance cover.

Installing additional security features like alarms and traceable devices can earn you some discounts from the insurer.

All you need is your zip code to get free comparisons and make that important choice for your kit car insurance.