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

UPDATED: Sep 24, 2021

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Key Takeaways

  • There are more car insurance companies that allow modifications than there are those that do not
  • Some car modifications are not covered by car insurance companies while others save can you money
  • Modified car insurance rates are higher than regular car insurance rates

Vehicle modifications are a great way to express personality, showcase creativity, or improve the car’s overall performance. Nevertheless, making modifications to your car can impact your car insurance rates.

Fortunately, there are car insurance companies that allow modifications, just expect your car insurance rates to reflect the added risk of making them.

Because a modified car differs from how it left the manufacturer, extra steps have to be taken to ensure sufficient custom parts and equipment coverage.

Keep reading to learn more about the best car insurance companies that allow modifications and car insurance companies that don’t accept modifications.

Before jumping in, enter your ZIP code into our online tool to compare free quotes from car insurance companies that allow modifications near you today.

Are there car insurance companies that allow modifications?

Yes, there are plenty of car insurance companies that allow modifications, but not without an increase in car insurance rates. Some car insurance companies that offer modified car insurance include:

  • American Collectors
  • Hagerty
  • Esurance
  • American Modern
  • J.C. Taylor
  • Grundy

Since most car insurance companies accept modifications, you should not run into many that do not. But, be aware that any additions to your car insurance policy will always result in increased rates.

State Farm covers modified cars in a few different ways. State Farm modified car insurance policies include classic car insurance, sports car insurance, and more.

A modification is any change to the body of a car that differs from its original make. Drivers often make these changes for a variety of reasons, including aesthetics or performance.

Some more common modifications include changes to a car’s:

  • Wheels
  • Paint job
  • Body
  • Engine
  • Exhaust
  • Suspension
  • Anti-roll or anti-sway bars

Other, more functional car modifications include:

  • Steering cuffs
  • Wheelchair ramps or lifts
  • Wheelchair adjustable seats and seatbelts
  • Amputee rings
  • Modified-effort steering

Sometimes, a modification is not able to be covered by a car insurance company; however, that is not usually the case. Most car insurance companies view modified cars the same, regardless of the type of modifications made.

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How to Find Affordable Car Insurance Companies That Allow Modifications

Finding car insurance companies that allow modifications is not difficult, but it may result in higher rates. Luckily, there are plenty of options for you to choose from that will potentially lower your rates and save you money.

These options include talking with an insurance agent before modifying or buying a modified car, seeking out car insurance discounts, or updating your car with modifications that could save money.

Before you decide to buy modified car insurance, shop around. Compare car insurance quotes from multiple car insurance companies that allow modifications and ones that do not. You might find a reputable provider that can offer you more affordable rates.

Will having a modified car affect my car insurance rates?

Car insurance companies offer higher insurance rates to drivers with modified cars for a few reasons.

Often, drivers with modified vehicles tend to file more claims. Newer, more expensive equipment is more frequently subject to theft.

Similarly, increasing a car’s performance subsequently increases its accident potential. A driver with a faster car also tends to drive faster, which increases the likelihood of an accident.

Regardless of which type of modification a car has, be sure to compare car insurance rates from companies that allow modifications before you decide on a policy. Your age, driving record, and ZIP code could save you money on your modified car insurance rates with different companies.

How can drivers with modified cars save on car insurance?

Even if a car has minor aesthetic adjustments or functional changes, there are still risk implications that leave insurance companies a little wary. Fortunately, there are ways to save money on modified car insurance.

Before you buy a car with modifications or modify your vehicle, talk with your insurance agent about the reciprocations. Some car insurance companies may flat out not insure you if your car has been modified, so a conversation can save you tons of money.

Another option is to look into what car insurance discounts you may be eligible for that can alleviate any heftier rates or added costs. The Insurance Information Institute lists car insurance discounts among the list of ways to save the most money on your car insurance.

Car insurance companies usually offer a wide variety of discounts that some drivers are unaware of. Good driver, driver status, and other discounts could save you tons of money in the end.

You may also choose to make changes to your car that will save you money. There are a few modifications that increase the safety of a car and decrease the likelihood of an accident or claim. These modifications include:

  • Accident sensors
  • Rearview cameras
  • Blind spot detectors
  • Seat belts
  • Airbags
  • Anti-theft devices

It is imperative to talk with your insurance agent before making any changes to your car to keep your car insurance rates as low as possible.

Regardless of what you choose, the best way to get affordable car insurance for modified cars is to shop around. Comparing car insurance rates from companies that allow modifications helps you find the best companies for you.

Start your search for affordable car insurance companies that allow modifications today. Enter your ZIP code below to compare quotes from companies in your area for free.