State Farm and GEICO are the cheapest insurers for sports cars. They average $130 per month. Both insurers offer competitive rates, financial stability and various discounts.
Cheapest Car Insurance for Sports Cars
Updated: November 5, 2025
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Key Takeaways
Sports car insurance averages $1,726 per year for full coverage, but premiums can vary based on your vehicle.
Some sports cars are cheaper to insure than others. The Nissan 350Z has the lowest average premium at $1,004 annually, while high-end models like the BMW i8 cost much more, averaging $2,315.
You can reduce sports car insurance costs by bundling policies, using discounts, raising deductibles or choosing pay-per-mile insurance if you drive infrequently.
What Company Has the Cheapest Insurance for Sports Cars?
| State Farm | $130 |
| GEICO | $130 |
| Nationwide | $144 |
| Travelers | $149 |
| Progressive | $175 |
| Allstate | $189 |
| Farmers | $191 |
Cheap Sports Car Insurance by Model
The Nissan 350Z is the cheapest sports car to insure, starting at $84 monthly, though rates vary by model. Insuring a BMW i8 costs $193, while a Ford Mustang averages $109, which is $84 less.
Insurance costs vary by car and provider. We analyzed quotes to identify the cheapest insurers for popular sports cars.
| Nissan 350Z | State Farm | $84 | $1,004 |
| Subaru WRX | State Farm | $97 | $1,168 |
| Chevrolet Corvette | Nationwide | $100 | $1,202 |
| Subaru BRZ | GEICO | $100 | $1,204 |
| Ford Mustang Ecoboost | State Farm | $102 | $1,221 |
| Ford Mustang Mach E | GEICO | $103 | $1,236 |
| Chevrolet Camaro | State Farm | $106 | $1,268 |
| Chevrolet Camaro SS | State Farm | $108 | $1,299 |
| Toyota 86 | GEICO | $109 | $1,304 |
| Ford Mustang | State Farm | $109 | $1,308 |
| Porsche Taycan | GEICO | $110 | $1,325 |
| Dodge Challenger R/T | State Farm | $116 | $1,392 |
| Chevrolet Camaro ZL1 | GEICO | $153 | $1,838 |
| Dodge Challenger SRT Hellcat | Nationwide | $154 | $1,843 |
| Nissan GT-R | State Farm | $158 | $1,898 |
| BMW i8 | Progressive | $193 | $2,315 |
Cheapest Auto Insurance for Porsche Taycan
GEICO offers the cheapest full coverage sports car insurance for the Porsche Taycan at just $110 per month ($1,325 per year). That’s $280 less than Farmer’s highest rate of $390.
| GEICO | $110 | $1,325 |
| Nationwide | $190 | $2,279 |
| State Farm | $190 | $2,280 |
| Travelers | $226 | $2,710 |
| Progressive | $297 | $3,567 |
| Allstate | $340 | $4,079 |
| Farmers | $390 | $4,681 |
Cheapest Car Insurance for Nissan 350Z
State Farm offers the cheapest sports car insurance for a Nissan 350Z at $84 monthly ($1,004 annually), saving $671 compared to Progressive's average annual rate of $1,675.
| State Farm | $84 | $1,004 |
| GEICO | $97 | $1,165 |
| Nationwide | $106 | $1,268 |
| Travelers | $117 | $1,404 |
| Allstate | $125 | $1,504 |
| Farmers | $128 | $1,533 |
| Progressive | $140 | $1,675 |
Cheapest Car Insurance for Ford Mustang EcoBoost
State Farm offers the most affordable full coverage insurance for the Ford Mustang EcoBoost at $102 monthly ($1,221 annually), saving $691 per year compared to Allstate, the most expensive option.
| State Farm | $102 | $1,221 |
| GEICO | $123 | $1,481 |
| Nationwide | $125 | $1,504 |
| Farmers | $145 | $1,736 |
| Travelers | $156 | $1,872 |
| Progressive | $157 | $1,889 |
| Allstate | $159 | $1,912 |
Cheapest Car Insurance for Subaru WRX
State Farm offers the most affordable sports car insurance for the Subaru WRX at $97 monthly ($1,168 annually), which is $764 less than Farmers, the most expensive provider at $1,932 per year.
| State Farm | $97 | $1,168 |
| GEICO | $100 | $1,206 |
| Travelers | $115 | $1,380 |
| Allstate | $127 | $1,530 |
| Nationwide | $129 | $1,547 |
| Progressive | $141 | $1,695 |
| Farmers | $161 | $1,932 |
Cheapest Car Insurance for Chevrolet Camaro LS
State Farm offers the most affordable sports car insurance for the Chevrolet Camaro LS at $106 monthly for full coverage, which is much cheaper than Farmers, the most expensive option, at $144.
| State Farm | $106 | $1,268 |
| GEICO | $108 | $1,302 |
| Travelers | $126 | $1,513 |
| Allstate | $127 | $1,525 |
| Nationwide | $128 | $1,536 |
| Progressive | $142 | $1,703 |
| Farmers | $144 | $1,728 |
Cheapest Auto Insurance for Subaru BRZ
GEICO offers the cheapest insurance coverage for Subaru BRZ at $100 per month ($1,204 per year), $75 less monthly than Farmers, the most expensive option.
| GEICO | $100 | $1,204 |
| State Farm | $114 | $1,363 |
| Travelers | $136 | $1,635 |
| Nationwide | $142 | $1,700 |
| Progressive | $144 | $1,729 |
| Allstate | $149 | $1,789 |
| Farmers | $175 | $2,095 |
Cheapest Car Insurance for Chevrolet Camaro SS
State Farm provides the cheapest full coverage car insurance for the Chevrolet Camaro SS at $108 per month.
| State Farm | $108 | $1,299 |
| GEICO | $117 | $1,399 |
| Nationwide | $128 | $1,533 |
| Farmers | $135 | $1,615 |
| Travelers | $140 | $1,679 |
| Allstate | $145 | $1,738 |
| Progressive | $152 | $1,818 |
Cheapest Auto Insurance for Dodge Challenger R/T
State Farm has the most affordable full coverage car insurance for the Dodge Challenger R/T at $116 per month ($1,392 annually). This rate is $50 per month cheaper than Farmers, the most expensive option.
| State Farm | $116 | $1,392 |
| GEICO | $118 | $1,411 |
| Travelers | $135 | $1,624 |
| Allstate | $136 | $1,628 |
| Nationwide | $139 | $1,670 |
| Progressive | $163 | $1,960 |
| Farmers | $166 | $1,987 |
Cheapest Car Insurance for Ford Mustang GT
State Farm offers the cheapest sports car insurance for a Ford Mustang GT, averaging $109 monthly for full coverage. This rate is $48 less per month than Progressive, the most expensive option for this vehicle.
| State Farm | $109 | $1,308 |
| GEICO | $119 | $1,428 |
| Nationwide | $120 | $1,438 |
| Travelers | $134 | $1,608 |
| Farmers | $138 | $1,654 |
| Allstate | $144 | $1,731 |
| Progressive | $157 | $1,880 |
Cheapest Auto Insurance for Toyota 86
GEICO offers the cheapest insurance for the Toyota 86 at $109 per month for full coverage.
| GEICO | $109 | $1,304 |
| State Farm | $118 | $1,417 |
| Nationwide | $145 | $1,744 |
| Progressive | $152 | $1,825 |
| Allstate | $156 | $1,872 |
| Travelers | $159 | $1,911 |
| Farmers | $198 | $2,376 |
Cheapest Car Insurance for Chevrolet Corvette
Nationwide provides the most affordable full coverage car insurance for a Chevrolet Corvette, averaging $100 monthly. This rate is $89 less than Allstate, the most expensive option at $189 monthly. Nationwide excels in affordability, customer satisfaction and financial stability.
| Nationwide | $100 | $1,202 |
| Travelers | $108 | $1,296 |
| GEICO | $135 | $1,615 |
| State Farm | $137 | $1,644 |
| Progressive | $164 | $1,964 |
| Farmers | $178 | $2,139 |
| Allstate | $189 | $2,265 |
Cheapest Auto Insurance for Ford Mustang Mach-E
If you’re driving a Ford Mustang Mach-E, GEICO has the most affordable insurance option. On average, a full coverage policy for this vehicle costs $103 per month.
| GEICO | $103 | $1,236 |
| Travelers | $114 | $1,366 |
| Nationwide | $115 | $1,379 |
| State Farm | $117 | $1,404 |
| Progressive | $140 | $1,679 |
| Farmers | $152 | $1,828 |
| Allstate | $175 | $2,103 |
Cheapest Car Insurance for Chevrolet Camaro ZL1
GEICO is a great option for insuring a Chevrolet Camaro ZL1, offering the most affordable widely available full coverage policy at an average of $153 per month.
| GEICO | $153 | $1,838 |
| State Farm | $153 | $1,838 |
| Travelers | $153 | $1,841 |
| Nationwide | $159 | $1,913 |
| Progressive | $176 | $2,118 |
| Farmers | $179 | $2,151 |
| Allstate | $192 | $2,306 |
Cheapest Car Insurance for Dodge Challenger SRT Hellcat
Nationwide offers the cheapest full coverage car insurance for the Dodge Challenger SRT Hellcat, averaging $154 monthly.
| Nationwide | $154 | $1,843 |
| Travelers | $158 | $1,897 |
| State Farm | $162 | $1,948 |
| GEICO | $189 | $2,273 |
| Farmers | $191 | $2,286 |
| Allstate | $225 | $2,698 |
| Progressive | $244 | $2,927 |
Cheapest Auto Insurance for Nissan GT-R
State Farm is the cheapest sports car insurance company for the Nissan GT-R, with an average premium of $158 per month for full coverage.
| State Farm | $158 | $1,898 |
| Nationwide | $171 | $2,051 |
| GEICO | $176 | $2,117 |
| Travelers | $188 | $2,258 |
| Farmers | $222 | $2,661 |
| Progressive | $230 | $2,765 |
| Allstate | $299 | $3,583 |
Cheapest Car Insurance for BMW i8
Progressive offers the cheapest car insurance rate for BMW i8 at $193 monthly on a full coverage policy.
| Progressive | $193 | $2,315 |
| State Farm | $202 | $2,423 |
| GEICO | $222 | $2,663 |
| Travelers | $225 | $2,698 |
| Nationwide | $245 | $2,934 |
| Allstate | $337 | $4,048 |
| Farmers | $359 | $4,310 |
Performance vs. Insurance Cost Analysis
Want to know which sports cars deliver the best combination of thrills and reasonable insurance costs? Here's how acceleration performance relates to insurance premiums for popular models.
Best Performance-to-Cost Ratio
Vehicle | 0-60 Time | Monthly Premium | Performance Value* |
|---|---|---|---|
Nissan 350Z | 5.2 seconds | $84 | ⭐⭐⭐⭐⭐ |
Subaru WRX | 5.1 seconds | $97 | ⭐⭐⭐⭐⭐ |
Ford Mustang EcoBoost | 5.3 seconds | $102 | ⭐⭐⭐⭐ |
Toyota 86 | 6.0 seconds | $109 | ⭐⭐⭐⭐ |
Chevrolet Camaro LS | 6.0 seconds | $106 | ⭐⭐⭐⭐ |
Subaru BRZ | 5.4 seconds | $100 | ⭐⭐⭐⭐ |
*Performance Value: Speed vs. Insurance Cost efficiency
How Performance Affects Insurance Costs
Speed Range (0-60) | Premium Impact | Example |
|---|---|---|
Under 4 seconds | +15-25% increase | Supercar territory |
4-5 seconds | +8-15% increase | High performance |
5-6 seconds | +3-8% increase | Sporty but manageable |
Over 6 seconds | Minimal penalty | Performance without pain |
ENGINE SMART CHOICES
Turbo-4 vs V8 Advantage: Ford Mustang EcoBoost costs 10% to 15% less than GT V8 despite similar acceleration. Insurers view smaller engines as less aggressive.
Performance Pricing Surprises
Vehicle | 0-60 Time | Monthly Cost | Why |
|---|---|---|---|
Chevrolet Corvette | 3.5 sec | $100 | Mature buyers |
Porsche Taycan | 3.5 sec | $110 | EV safety rep |
BMW i8 | 4.4 sec | $193 | Exotic classification |
Nissan GT-R | 2.9 sec | $158 | True supercar power |
Best Cheap Car Insurance for Sports Cars
State Farm
MoneyGeek Score:
90/ 100
Overview
State Farm leads among the best car insurance companies for sports car owners, offering affordability, strong financial stability and excellent customer service. The Nissan 350Z has an average annual full coverage premium of $1,004, making it the most affordable model to insure with State Farm.
Discounts offered:
- Vehicle discounts: Save with passive restraint systems (airbags) and anti-theft devices.
- Safe driving discounts: Get up to 30% off with Drive Safe & Save™, plus savings for maintaining a clean record or completing a defensive driving course.
- Policy discounts: Bundle policies (home, renters or life) or insure multiple vehicles to reduce rates.
Sports Car Insurance for Young Drivers (18–25)
Young drivers face the steepest sports car insurance costs, but understanding the age penalty helps you make smarter choices about which performance car to buy and insure.
Age-Based Rate Increases
Sports car insurance costs increase dramatically for younger drivers:
- 18-year-olds: +85% above base sports car rates
- 19-20 year olds: +65% above base rates
- 21-24 year olds: +45% above base rates
- 25+ year olds: Standard sports car rates apply
If a 30-year-old pays $130/month for sports car coverage, an 18-year-old pays $240/month for identical coverage.
Cheapest Sports Cars for Young Drivers
The Nissan 350Z offers the best value for young drivers, while high-performance models like the BMW i8 can cost nearly $500 monthly for full coverage.
| Nissan 350Z | $209 | $2,510 |
| Subaru WRX | $229 | $2,747 |
| Chevrolet Camaro | $232 | $2,785 |
| Ford Mustang Mach E | $238 | $2,856 |
| Chevrolet Camaro SS | $243 | $2,918 |
| Ford Mustang | $244 | $2,930 |
| Subaru BRZ | $253 | $3,039 |
| Ford Mustang Ecoboost | $256 | $3,074 |
| Dodge Challenger R/T | $257 | $3,087 |
| Chevrolet Corvette | $265 | $3,180 |
| Toyota 86 | $275 | $3,295 |
| Chevrolet Camaro ZL1 | $310 | $3,716 |
| Dodge Challenger SRT Hellcat | $353 | $4,236 |
| Nissan GT-R | $386 | $4,632 |
| Porsche Taycan | $470 | $5,644 |
| BMW i8 | $474 | $5,684 |
LEGAL REQUIREMENTS FOR TEEN DRIVERS
Teens under 18 cannot legally purchase auto insurance without a parent or guardian as a co-signer in most states. Family policy inclusion is often the only option for minors.
Sports Car Insurance by State
Location affects sports car insurance costs due to state regulations and risk factors.
Most Expensive Sports Car Insurance by State
State | Key Cost Factors |
|---|---|
Michigan | No-fault laws increase sports car premiums; unlimited PIP benefits required |
Louisiana | Hurricane damage claims; high accident rates affect all vehicles |
Florida | Hurricane risk; dense population; no-fault PIP requirements |
New York | Urban theft/accident rates; no-fault insurance requirements |
Cheapest Sports Car Insurance by State
State | Key Cost Factors |
|---|---|
Maine | Rural roads; conservative driving culture; reduced theft risk |
Iowa | Minimal severe weather; lower theft rates; responsible driver demographics |
Vermont | Low population density; fewer accidents; fewer uninsured drivers |
Wyoming | Limited urban areas; minimal theft; fewer sports cars on roads |
REGIONAL RISK FACTORS
Southwest States: (Arizona, Nevada, New Mexico) Higher comprehensive claims because of hail damage and extreme heat.
Coastal Areas: (California, Florida, Eastern Seaboard) Salt air accelerates corrosion; this affects long-term repair costs and resale values.
Urban Regions: (Any State) Higher theft rates, especially for popular models like Mustangs and Camaros.
Rural Areas: Lower crime but longer emergency response times. Consider roadside assistance for remote driving.
Cheapest Car Insurance for Sports Cars: Buying Guide
Insuring a sports car means balancing cost and coverage. Sports cars cost more because of their speed, repair costs and theft risk. This guide explains what to consider, including coverage options, discounts and how driving habits impact rates. Whether you drive daily or occasionally, the right policy provides solid protection at a fair price.
How to Save On the Cost of Sports Car Insurance
Sports car insurance costs more by nature, but strategic choices helps reduce your premiums without sacrificing the protection you need.
- 1Shop Around for Sports Car Specialists
Rate differences for sports cars are often more dramatic than regular vehicles. The same sports car costs $150/month with one insurer and $300/month with another. Get quotes from major insurers, regional specialists who understand performance cars, and companies with strong classic car programs.
- 2Choose Your Model Strategically
Performance doesn't always mean expensive insurance. Smart model selection can save thousands annually:
- Nissan 350Z: $84/month (excellent performance-to-cost ratio)
- Subaru WRX: $97/month (all-wheel drive safety benefits)
- Ford Mustang EcoBoost: $102/month (turbo-4 advantage over V8)
- 3Avoid High-Performance Trim Levels
Base models often cost less to insure than their high-performance siblings. The Camaro LS costs $47/month less than the ZL1 ($106 vs. $153). Skip racing stripes and appearance packages that signal aggressive driving intentions.
- 4Leverage Technology for Discounts
Many sports car owners qualify for telematics discounts by proving they drive responsibly. Progressive Snapshot, State Farm Drive Safe & Save and GEICO DriveEasy monitor driving habits and can reward safe patterns with up to 30% savings.
- 5Bundle with High-Value Home Insurance
Sports car owners often have valuable homes, making bundling particularly beneficial. Multi-policy discounts range from 10% to 25% off both policies, and higher-value properties generate better bundle savings.
- 6Consider Usage-Based Coverage Options
If your sports car isn't a daily driver, pay-per-mile insurance can save 30% to 50% for weekend-only vehicles. You can also reduce coverage when the car's stored during winter months (check lender requirements first).
- 7Invest in Security Features
Sports cars are theft targets. Security upgrades reduce premiums while protecting your investment. GPS tracking systems earn 5% to 15% discounts, while garage storage can reduce comprehensive premiums by 10% to 20%.
MONEYGEEK EXPERT TIP
Insurance professionals recommend keeping comprehensive coverage for garaged vehicles to protect them from fire, theft, vandalism and storm damage to their parked location. Many lenders will require you to keep collision and comprehensive regardless of usage if the car loan is still active. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute
Money-Saving Tips for Young Sports Car Owners
Remain on your parents' policy when possible, saving 40% to 60% compared to individual coverage. Select models with strong safety ratings to receive a 10% to 15% premium reduction. You should avoid high-performance trims like GT, SS or Type R.
Consider usage-based insurance programs that reward safe driving with up to 30% discounts. Take defensive driving courses for 5% to 10% savings. Maintain good grades for student discounts of 10% to 25% through age 25.
Sports Car Insurance Discounts
Sports car insurance can be expensive, but discounts can reduce costs. Many insurers offer savings for drivers, helping you get affordable coverage without compromising protection.
Safe driver discount
Sports car owners with clean driving records can save because insurers consider them lower risk despite their vehicle’s high performance.
Defensive driving course discount
Taking a high-performance driving or defensive driving course shows insurers you know how to handle a powerful car safely, leading to lower rates.
Low-mileage discount
If your sports car is a weekend or seasonal vehicle, driving fewer miles per year can qualify you for lower premiums.
Telematics discount
Many insurers offer usage-based tracking programs that reward responsible driving. Smooth acceleration, cautious braking and avoiding high-risk driving hours can help reduce rates.
Multi-policy discount
Bundling your sports car insurance with a home, renters or motorcycle policy can help cut costs.
Multi-vehicle discount
If you own multiple cars, including a daily driver, insuring them together can reduce your sports car’s premium.
Anti-theft discount
Sports cars are high-theft targets, so insurers may lower rates if your vehicle has advanced security features like GPS tracking, engine immobilizers or a high-end alarm system.
Loyalty discount
Some insurers reward long-term policyholders with lower premiums over time, even for sports cars.
Note: Discount availability and amounts may vary by state and driver circumstances. Contact a local agent or visit the provider's official website for the most accurate information.
When You Need Specialty Insurance
Most major insurers cap coverage around $150,000 to $200,000. If your sports car exceeds these limits, you'll need specialty insurance designed for high-value vehicles.
Coverage Limits with Standard Insurers
Standard auto insurers have maximum vehicle values they'll cover:
- State Farm: $200,000 maximum
- GEICO: $150,000 maximum
- Progressive: $175,000 maximum
Beyond these thresholds, even basic sports cars require specialized coverage.
Which Vehicles Need Specialty Coverage & Where to Get It
Exotic Supercars (Ferrari, Lamborghini, McLaren) and high-end luxury sports cars (Aston Martin, Bentley Continental GT) typically exceed standard insurer limits. Limited production vehicles like the Ford GT or any car with under 1,000 annual production units also require specialty policies.
Top specialty providers:
- Hagerty covers modern exotics with agreed value policies.
- Grundy Insurance offers coverage with no total loss deductible.
- Chubb and AIG Private Client provide comprehensive high-net-worth packages.
WHY SPECIALTY INSURANCE COSTS MORE
Specialty policies typically cost two to three times more than standard coverage, but they offer enhanced protection that justifies the expense for six-figure vehicles. You get agreed value coverage instead of depreciating actual cash value, specialized claims adjusters who understand exotic cars and worldwide protection for track days or international travel.
What Do Insurance Companies Consider Sports Cars?
Insurers classify sports cars by two-door configuration, high horsepower (300+ HP), performance-focused design, large engine displacement and sports-tuned suspension. VIN determines classification automatically; no negotiating is possible.
Gray area vehicles
Performance sedans (BMW 3-Series), sport compacts (Honda Civic Type R), and performance crossovers (Porsche Macan) blur classification lines.
Specialty requirements
Vehicles over $150,000 to $200,000 need specialty insurers like Hagerty, Chubb or AIG Private Client Group offering agreed value policies.
Why Sports Car Insurance Costs More
Sports car premiums are 40% to 60% higher due to measurable risks. At-fault accidents are 47% more likely, with 23% more speed-related incidents. Single-vehicle accidents and younger demographics increase risk profiles.
- Expensive repairs: Specialized parts cost two to three times more, labor expertise exceeds $150/hour, import delays extend repair times and advanced technology requires specialized diagnostics.
- Higher theft risk: Sports cars experience three times higher theft rates. Popular targets include Dodge Challenger, Chevrolet Camaro, Ford Mustang and Nissan GT-R models.
Cheapest Car Insurance for Sports Cars: Bottom Line
Sports car insurance costs more than standard vehicles, but you can find affordable coverage. State Farm and GEICO consistently offer competitive rates across multiple sports car models, with the Nissan 350Z and Subaru WRX providing the best combination of performance and affordability.
While premiums are higher due to increased repair and collision risks, strategies like bundling policies, raising deductibles or choosing pay-per-mile insurance can help reduce costs. Shop around and compare quotes based on your specific car and location to find the best deal for your situation.
Affordable Auto Insurance for Sports Cars: FAQ
We answer common questions about sports car insurance to help you find the provider that suits your needs.
Is a Ford Mustang considered a sports car for insurance?
Ford Mustangs are classified as sports cars by insurers, especially V8 models like the GT. However, the EcoBoost 4-cylinder variant may receive more favorable rates due to its lower horsepower output and different risk profile. The Mach-E electric version often gets treated more like a regular car despite its performance capabilities.
What's the cheapest sports car to insure for a 20-year-old?
The Mazda Miata consistently ranks as the cheapest sports car for young drivers, averaging $315 per month for full coverage compared to $450+ for other sports cars. Its excellent safety ratings, lower horsepower (181 HP) and responsible ownership reputation help offset age-related risk factors. The Subaru BRZ is the second-best choice at around $340 monthly.
Are there sports cars that don't require specialty insurance?
Most sports cars under $150,000 to $200,000 can be covered by standard insurers like State Farm, GEICO and Progressive. This includes Corvettes, Mustangs, Camaros and most BMW/Mercedes performance models.
Exotic cars from manufacturers like Ferrari, Lamborghini and McLaren require specialty insurers like Hagerty, Chubb or AIG Private Client.
How much more expensive is sports car insurance for teens?
Teen drivers pay 85% to 120% more for sports car insurance than adults. For example, if an adult pays $130/month for sports car coverage, a teen pays $240 to $285/month for identical coverage. The penalty decreases with age: 19-year-olds pay about 65% more, while 21-year-olds pay 45% more than adult rates.
Can I get sports car insurance if I have a DUI?
If you have a DUI, you can get sports car insurance, but it's expensive. A DUI can increase your sports car insurance rates by 80% to 120% compared to a clean record.
You need to get an SR-22 certificate, which adds extra cost and complexity. Consider shopping for specialized DUI coverage that works with high-risk drivers.
Should I consider liability-only coverage for my sports car?
If you prefer liability-only coverage, you can choose higher limits than your state requires. Sports cars are expensive to repair and replace, making comprehensive and collision coverage important.
Is sports car insurance worth it for college students?
Sports car insurance for college students requires careful consideration of costs versus benefits.
Best Insurance for Sports Cars: Our Methodology
We combined comprehensive rate analysis with real-world sports car expertise, going beyond basic price comparisons to analyze how insurers classify performance vehicles, verify coverage policies through direct contact with customer service departments, and research claims data to understand why sports cars cost more to insure.
We gathered 83,056 quotes from 46 companies across 473 ZIP codes using data from Quadrant Information Services and state insurance departments. We analyzed multiple sports car models to understand how classification impacts premiums and which vehicles trigger higher rates.
We contacted insurance companies directly to verify vehicle classification criteria and VIN lookup processes, coverage limits for high-performance vehicles, specialty insurance referral procedures, and state-specific regulatory impacts on sports car pricing.
We integrated performance data including acceleration times (0-60 mph), safety ratings, and theft statistics from the National Highway Traffic Safety Administration (NHTSA), Insurance Institute for Highway Safety (IIHS), National Insurance Crime Bureau theft reports, and manufacturer specifications.
Our primary profile used a 40-year-old male with a clean driving record and good credit, logging 12,000 miles annually. We quoted 100/300/100 liability limits with comprehensive and collision coverage at $1,000 deductibles.
We also analyzed young drivers (18-25) across multiple sports car models, high-risk drivers with violations to understand penalty impacts, low-mileage drivers (under 7,500 miles annually) for
Auto Insurance for Sports Cars: Related Articles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.