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: Aug 6, 2021

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Key takeaways...

  • Choosing to own a turbo car, sometimes referred to as “turbocharged” cars can increase your insurance rates much more than you anticipated
  • Although there are insurance companies willing to provide coverage for this type of vehicle, the amount of risk these cars introduce comes with high premium costs
  • You will need to shop around for the best price from different insurance providers before making your final decision
  • To cover a turbo car, you may be required to abide by specific policy requirements, such as storing your car in a secured location
  • The potential for these cars to be stolen, vandalized, or scrapped for parts is increased by the unique nature of these vehicles

Adding a turbo engine to a car can supercharge its output. If you want a car that’s faster, louder, and more powerful, this is the perfect way to get it. If you want to save on affordable auto insurance, it’s another story. You definitely wouldn’t be the first person to experience some sticker shock when you find that the insurance coverage needed is different than previous policies you’ve purchased.

Protecting yourself from losses that can occur when driving this type of car is crucial since these cars are exposed to higher risks including:

  • Theft
  • Vandalism
  • Accidents

Before making your decision on an insurance policy, be sure to compare quotes from multiple providers to find the best price for your needs. No matter what your driving record looks like or what you drive, there are multiple companies that can offer a different perspective and insurance cost. Enter your zip code above to compare right now!

What Should You Consider When Shopping for Turbo Auto Insurance Rates?

When you are searching for car insurance for your turbo car, you may find that the coverage you need is very similar to other vehicles. You have the option to carry the following types of coverage:

  • Liability insurance
  • Comprehensive coverage
  • Collision coverage
  • Personal injury protection
  • Rental car coverage
  • Roadside assistance

You will always need to purchase the minimum levels of coverage required in your state, but for a vehicle that’s considered turbocharged, you may need to carry much higher limits than you would otherwise. Unfortunately, when you’re talking about a car that can accelerate and drive faster, it increases the amount of damage that car can do in an accident. It also increases the likelihood that the drivers will exceed the speed limit and engage in other reckless and potentially dangerous behavior.

Turbo cars and vehicles can be more difficult to provide insurance coverage for, often due to the lower number of these vehicles on the road and the higher potential for theft or vandalism that they face.

Before starting to use this type of car, make sure that you’ve properly evaluated the following:

  • Who will be operating the car
  • The potential risks and losses you may experience
  • How your insurance policy protects you in the event of a covered loss

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What Else Should You Know about Turbo Car Insurance Policies?

When you own a unique or expensive car, such as a turbocharged car, your insurance carrier will often charge you higher premium amounts to offset any potential losses. A standard auto policy may not cover your turbo engine at all as an aftermarket product. They are similar to classic cars or other unique cars in this way. If you don’t have specialty parts coverage, you could find yourself with the same car and a factory engine if you’re in a major accident.

These higher amounts help to preemptively cover the potentially high costs associated with the claims you may file. Finding ways to reduce your risk exposure or to increase your vehicle’s security can help to reduce your premium costs.

One thing to remember about car insurance is that high-risk drivers can add high costs to a car insurance policy because high-risk drivers often engage in risky behaviors or have a history of filing or being involved in claim situations.

For example, young or teenage drivers who operate a turbocharged car may be tempted to speed or drive recklessly, leading to more accidents or claims being filed.

Whatever your needs, you need to fully disclose any information about your car to auto insurance companies. If you forget to disclose something or try to get around it, you could end up without full coverage or with an increased premium after the fact.

Your turbo car insurance policy may contain conditions and exclusions, such as:

  • A reporting exclusion
  • A racing exclusion

Reporting exclusions mean that your claim may be denied or portions may be denied if you fail to report a claim in a timely fashion or you fail to notify your carrier of any modifications including turbocharging your car. Some drivers may delay reporting to try to keep insurance cost down. This exclusion is just making it clear that will backfire.

A racing exclusion, just as it sounds, is a policy exclusion that denies coverage in the event your vehicle is damaged, or you are responsible for a loss due to engaging in a race. While it may be tempting to use all that power to show off, it’s not worth the financial losses.

There are a few unique situations where your state may allow racing under specified circumstances, but you will need to check with your insurance provider before engaging in these behaviors.

One last thing to remember is that any illegal modifications or alterations are never going to be covered by an insurance policy. If you have any of these modifications, reported or otherwise, you may find that portions or the entirety of your claim may be denied.


Turbo cars are vehicles that can often accelerate to an incredibly high speed within seconds.

Owners or drivers of these cars may engage in riskier behaviors, such as street racing or reckless driving, which means that their risk of injury or death is often higher than other drivers.

These vehicles are often the targets of thieves looking to make some money by selling the car or the parts or vandals that want to deface or destroy the car out of jealousy, anger, or even as a prank.

When you are shopping around for insurance coverage, make sure to properly assess your risks and to get quotes from different providers; each provider will help you evaluate your situation and provide you a quote on the coverage they can provide.

Remember that your policy may contain unique terms, limits, conditions, and exclusions. These rules are your responsibility to understand before an accident or loss occurs.

If you violate the terms of your coverage, you may find that your provider will not help you recover from your loss.

Compare car insurance quotes today to find the best coverage for your needs.