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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Here's what you need to know...

  • It’s more expensive to insure a sports car than a regular family-style car
  • People who own sports car are considered risk takers
  • Collision and comprehensive insurance pays for repairs and replacement if case of an accident

People who own sports cars are people who will have the biggest challenge finding affordable car insurance.

Sports car auto insurance companies typically charge owners of sports cars the highest premiums, because they present the highest risks.

But if sports car owners make it a point of seeking sports car auto insurance quotes online, they will have a greater chance of giving themselves a break on their auto insurance rates.

Find the best sports car insurance for FREE with our zip code search! Enter your zip code above and start saving money today!

Why are some insurance companies wary of sports car drivers?

Finding the best sports car auto insurance premium can be a challenge for several reasons.

Auto insurance companies believe that people who purchase sports cars high-risk drivers and take more chances than people who own hondas or sedans.

Having a sports car may make people more inclined to drive fast and take more chances.

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How do insurance companies decide how much to charge for sports car auto insurance?

Auto insurance companies will base how much they charge their clients for sports car auto insurance on several factors. One of those factors is personality such as the one described above.

Auto insurance companies will also decide how much to charge a sports car owner based on how much the car costs.

Sports cars are much more expensive than other types of cars.

A sports car auto insurance company will look at the price of this vehicle and know that it needs to charge the owner of such a vehicle type much more than it would charge the driver of an SUV.

There are a couple of reasons for this:

  • More expensive vehicles will cost the insurance company a lot more to repair if it is damaged.
  • If there is extensive damage, it will require the insurance company to pay to replace the vehicle.
  • Drivers of these vehicles are statistically much more likely to be involved in a car collision than people who are driving their kids to their band practice in sedans.

What are the types of insurance for sports cars?

Collision Coverage – Collision coverage is coverage that will pay to repair a sports car damaged in a car collision. If the car is totaled, it will pay to replace the vehicle. Because of the factors explained above, this type of coverage will be extremely expensive for a sports car.

Comprehensive Coverage  Comprehensive coverage will pay to have the sports car repaired if it is damaged in some way other than in a car collision.

These types of car insurance for sports cars are highly important for a sports car owner.

The way to make sure that the amount spent on sports car auto insurance premiums is as low as it can possibly be is to seek multiple quotes insurance for sports cars online.

Compare Car Insurance Companies

Compare quotes from the top car insurance companies and save

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Compare Quotes from Sports Car Auto Insurance Companies

Sports car auto insurance companies take several issues into account when people seek quotes online:

  • Zip code
  • Make and model of the vehicle
  • Age
  • Gender
  • The sports car owners driving record

Comparing car quotes from different sports car auto insurance companies allows you to see the benefits of each.

For example, sports car auto insurance companies may look at the make and model of a vehicle and decide that it needs to charge very high rates.

Another company may take into consideration that the sports car owner has a clean and impressive driving record and decide not to quote as high a price.

Compare quotes from the top car insurance companies and save

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How do you get insurance companies to quote a lower affordable insurance rate?

A quote comparison search will let sports car owners know which companies are willing to charge better rates for sports cars.

They may also be willing to take the rates down even further if the sports car owner can qualify for discounts.

When sports car owners receive their quotes and they begin to check into the companies that have the best rates, they can inquire about whether or not they meet the requirements for their discounts by:

  • Offering to pay for the year’s premiums in one lump sum
  • Taking a defensive driving course
  • Asking for a higher deductible
  • Bundling insurance policies
  • Making a point of paying the car off in full
  • Installing anti-theft devices
  • Installing anti-lock brakes
  • Installing airbags
  • Working for a better credit score if it is on the low side
  • Keeping from receiving speeding tickets and causing accidents

Even the top women sports car drivers need to do a free quote comparison search online when they need better rates for their sports car auto insurance.

Sports car auto insurance companies tend to believe that owners of sports cars will cost them more money, but sports car drivers can find those insurance companies that are willing to give them a break.

It is so easy to do that sports car owners have no reason not to do a search now.

Find sports car insurance today! Enter your zip code below and compare car insurance quotes for FREE!


  1. https://www.statefarm.com/insurance/auto/resources/high-risk-auto-insurance
  2. https://en.wikipedia.org/wiki/Porsche_911
  3. https://www.statefarm.com/
  4. https://www.allstate.com/tools-and-resources/car-insurance/what-is-collision-insurance.aspx
  5. https://www.statefarm.com/insurance/auto/coverage-options/comprehensive-coverage
  6. https://www.thebalance.com/what-affects-the-cost-of-car-insurance-527480
  7. https://www.nationwide.com/car-insurance-discounts.jsp
  8. https://www.digitaltrends.com/cars/anti-theft-devices-cars/
  9. https://www.21st.com/insurance-newsletters/2012/08/what-happens-to-my-insurance-if-I-get-a-speeding-ticket.htm
  10. https://www.caranddriver.com/best-sports-cars