Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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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: Nov 9, 2020

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Key takeaways...

  • Sports cars are more expensive to insure than less expensive vehicles
  • Sports cars also carry a negative stigma because of the excessive speeds they can reach
  • National Association of Insurance Commissioners offers a wealth of car insurance information

The pros of a sports car insurance agent are numerous, especially since the majority of these types of vehicles are considered high risk.

The average car insurance agent classifies sports cars as high-performance cars and generally charges much more for policies. This is why specialized agents are your best defense against astronomical rates.

They are also often categorized as risky because statistically speaking, drivers of sports cars are more likely to become victims of high-speed collisions.

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The Negative Perception of Sports Cars


When reviewing the data over a period of time, most safety ratings companies, including the Insurance Institute for Highway Safety, fail to list sports cars at all.

This means they do not meet the standards for safety enough to even have a category to rate them.

The insurance companies take all of this into consideration when calculating premiums and, unfortunately, sports car owners always pay the price.

Sports cars also carry a negative stigma because of the excessive speeds they can reach.

Even though many drivers never exceed these speeds on roads and highways, this does not curtail the car insurance industry from charging higher rates just because of the opportunity.

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The Definition of a Sports Car

There are several definitions of a sports car. Many choose to describe sports cars as fast, high-speed automobiles.

The Collins Dictionary defines a sports car as a vehicle designed specifically for speed. It has high acceleration, can maneuver extremely well, the body is low, and it generally only seats two people.

Bearing this in mind, it is no wonder that standard car insurance agents practically begin to drool when they see or hear a customer inquiring about a policy.

For these sports car loyalists, it is comforting to know that there are many professionals out there who can assist with ensuring that their vehicles are sufficiently covered in the event of a theft or accident.

Sports Car Insurance Agents vs. Standard Car Insurance Agents

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A standard car insurance agent, while helpful enough, may only see the vehicle as an added expense with extensive features that do not necessarily add to the safety of the vehicle.

Their primary goal is to make sure the insurance company does not assume major losses and, since most sports cars will only have minor safety features, like airbags and anti-lock brakes, they cannot help you.

Consider how most standard car insurance agents calculate their rates. They base them on the same factors, like driving record, location, age, and type of vehicle. This is true in virtually every state.

You can verify this information by looking through the website for the National Association of Insurance Commissioners.

Sports car insurance agents know exactly how the industry perceives high performance vehicles.

They have the knowledge to provide you with tips to keep your rates low. For example, most sports car insurance agents inform their customers of the need to disclose things like annual mileage and additional modifications.

Most car insurance companies frown on excessive driving because it increases the risk of collisions. The same is true with adding extra details to your vehicle, which is something many sports car owners do.

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Choosing the Best Sports Car Agent

Choosing the best sports car agent can be just as challenging as finding a standard car insurance agent. You must be very shrewd with your research and find someone who has an excellent reputation.

Shop around and make sure you review their standing within the community, as well as their financial status.

One great resource is the website for A.M. Best, where you can check on the insurance company’s financials and see how well they performed over the past few years.

Since they will be a specialty company, you need to ensure that they are not wasting their money foolishly. Especially since your premiums are helping their business stay afloat.

They should have a rating of at least an “A”, and an “A+” would be outstanding.

Also, check to see if they are registered with the Better Business Bureau because they will more than likely be much smaller than the other standard insurance agencies.

You want to make certain that they treat their customers with respect and dignity and have a loyal, satisfied following.

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The Average Cost of Sports Car Insurance


The more exotic the sports car, the more it will cost you to insure. However, on average, you can expect to pay approximately 50 percent more than a standard vehicle.

If your car is considered a classic sports car, the rates only increase.

For example, a sedan or minivan may cost approximately $900 to $1,500 per year to insure, depending on the features and other factors, like the location.

Many times the rates vary drastically between rural areas, like Iowa or Kansas, and more populated states like New York and California.

However, these rates pale in comparison to owning something like a Porsche or Ferrari, both of which can easily cost anywhere from $3,000 per year to $5,000 per year to insure.

The Benefits of Owning a Sports Car

The most obvious benefit to owning a sports car is the “wow” factor. They are exquisitely designed and have more horsepower than you may know what to do with–they also make the owner very popular.

If you are in an area where highways are abundant, like California and Arizona, they can make your leisure driving quite pleasurable.

When the time comes for you to trade or sell your vehicle, unlike most cars they can actually appreciate in value, rather than depreciate.

Of course, not all sports cars will meet these standards, but the more exotic they are, the more valuable they tend to be.

Reasons Why a Sports Car Needs Special Attention


Sports cars need special attention in many ways. First, they are high-performance vehicles, which means that they usually do not function well on regular gasoline.

They should also have routine tune-ups and tire rotations, as many come with low profile tires.

High-performance sports cars are never designed with any other fabric because leather is the most durable.

Taking all of this into consideration, it is easy to understand why choosing a sports car insurance agent is your best bet when it comes to protecting your vehicle. It is, after all, quite an investment.

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