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 in...

Full Bio →

Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 14, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

In a nutshell...

  • Purchasing insurance for a sports car is often more expensive than car insurance for traditional cars
  • During your search, you may find some providers specialize in providing coverage for these types of vehicles
  • Shopping around and obtaining coverage from multiple carriers is essential to choosing the right coverage for your needs at the best price
  • With a sports car, you may face unique policy or coverage requirements, such as mileage limitations
  • Car insurance for sports cars is often more expensive than traditional car insurance coverage since the cost to repair or replace a sports car is often much higher than traditional cars

When you choose to purchase a sports car, you may plan to use it for short amounts of time or only during certain times of the year.

However, you will often need to purchase car insurance that addresses the risks a sports car faces, which can include higher replacement or repair costs.

The coverage for these vehicles may cost more than traditional commuter cars, but the protection is well worth the money spent.

Compare car insurance options by entering your zip code above.

What is the right coverage for a sports car?

The car insurance policy for a sports car is often very similar, if not the same, as the coverage a traditional car owner would purchase.

However, there can be conditions or policy additions that do the following:

  • Increase coverage
  • Add storage conditions
  • Impose mileage restrictions

These restrictions and others mean that insuring a sports car is similar to insuring other types of specialty vehicles.

Before purchasing your policy, it’s important to assess the amount of coverage you need to protect you from financial losses.

Sports cars often cost more to repair or replace, and when that cost is added to the cost of an accident, it can quickly exceed the limits you’ve chosen.

Make sure to speak to your potential provider about your risk exposure and what coverage options you should select to protect yourself.

Remember that choosing more robust insurance coverage means that you will often face higher premiums; this increased cost is to offset any potential claims you file.

However, a history of safe driving over time can lead to lower premiums or lower deductibles for applicable coverage options but always check with your provider before making assumptions about any discounts.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

secured lock Secured with SHA-256 Encryption

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

secured lock Secured with SHA-256 Encryption

What should you remember about sports car insurance policies?

When it comes to sports cars, the cost associated with a claim is often higher than the cost associated with claims from traditional car owners.

This risk of a more expensive claim usually means that sports cars are more expensive to cover.

You can find ways to reduce your costs, such as selecting a deductible for the applicable coverage options on your policy.

The deductible is the portion of any loss that you are responsible for covering. Your insurance provider may require you to pay this amount before your claim is settled, or they may deduct this amount from any settlement you reach.

Keeping high-risk drivers from operating your sports car and being listed on your policy can help reduce your expenses. High-risk drivers can include the following people:

  • Those that are young and inexperienced
  • Those with a poor driving record
  • Those that have filed several insurance claims

Allowing these drivers to operate your vehicle introduces large amounts of risk that insurance providers may not want to cover.

Speak to your current or potential provider about any discounts or deductions you may qualify for; every provider offers different discounts and has different criteria for qualification.

Sports cars may be driven on an occasional or seasonal basis, which means you may qualify for low usage discounts. Additionally, having security measures and anti-theft features installed can help reduce your premium costs.



Sports cars often face the same risks as traditional commuter cars, though the costs of an accident or unforeseen loss can cost more than traditional cars.

This cost risk means that you will often need to carry a well-balanced policy that helps protect you from financial loss; sports cars are more susceptible to losses from theft or vandalism as well.

Before you choose the coverage for your sports car, it’s important to look at the policy terms and conditions, as well as selecting limits of coverage that meet your budget and your needs.

You can contact multiple providers to get an idea of how much your coverage may cost; this information can allow you to compare coverage options and pricing from multiple providers.

Additionally, if you find that your current provider is unable to meet your needs or provide you with a price you can afford, you can consider switching to another provider.

Most insurance policies do not have a cancellation fee or any penalty for switching early, which allows you to work with a provider that provides coverage at a price you can afford.

Shop for car insurance today. Just enter your zip code below.