Auto Insurance for Track Days

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Key takeaways...
  • It’s important to identify what you’re doing at the track
  • You need to read the fine print of your insurance policy
  • Many policies state that accidents that occur as a result of competition are not eligible for coverage

When you plan on spending the day at the track, whether it is for a competition or for driving lessons, it’s important to know how your insurance will provide you with coverage.

The last thing you want is to get into an accident and learn that you don’t have sufficient coverage in place.

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What’s being done at the track?


Depending on where you live, there may be various auto tracks available for you to visit. When you decide to go for a track day, it means that the auto track has decided to open it up to people to bring in their own cars.

This means you might be able to:

  • Learn to drive
  • Go as fast as you want
  • Try out various features

Track days are often a chance to pretend as though you are a race car driver. You can take your car on the track and go a certain number of laps and go as fast as you want. There’s no worry of getting a traffic citation because you are within the confines of the auto track.

Every track has its own rules in terms of what you can and cannot do.

Some days might be identified as instructional while others are racing or competition (where you race other cars). There might also be different fees that have to be paid in order to gain access to the track.

Further, the race tracks might require helmets to be worn by the driver and any passengers in the vehicle.

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Reading the Fine Print on Your Policy

Every auto insurance policy has fine print that identifies what events are and are not covered. If you are involved in an auto crash, it is generally covered by the insurance company. However, the insurance adjuster will look at where the auto crash took place.

When you identify that the crash took place at a race track on a track day, then your policy might not provide protection because many insurance companies have clauses within the fine print that identify that they don’t cover for a track day or for competition.

If this restriction is found on your policy, then it might be a good idea to avoid going to a track day. You will have to look as there are differences in the policies.

Some might specify “any activity on a track” while others will focus on competition. You might be protected still if the accident happened when you were in instructional mode.

If you plan on going to a track day for purposes of speeding or competition, you need to ask the insurance company. Receiving their answer will allow you to determine if you have the coverage or not.

Then you can decide if you want to take the risk and race your car even if you’re not covered.

All Insurance Companies are Not the Same


Every insurance company is different and therefore you have to keep this in mind. Some insurance companies will provide you with coverage on a track day. Others will not. It’s up to you to research the various companies that write policies in your state.

One of the first things you want to do is get quotes from companies. You can get the quotes online where you will see what each company charges for the same level of coverage.

You have the opportunity to determine how much coverage you want.

You must get the state minimum and then deciding if you want to add more, such as in areas of collision and comprehensive coverage.

To help you compare the insurance companies beyond the cost of the premiums, you should look at what else they offer. Take a look at:

Auto insurance for track days might not be available based on the company you get a policy from. Read through the fine print to see if you have the coverage. Otherwise, you might want to wear extra safety gear or avoid the track altogether.

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