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...

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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...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • Before the emergence of online auto insurance comparison sites, consumers could only rely on insurance agents to obtain coverage
  • Nowadays, it’s simple and convenient to purchase auto insurance for your kit car online
  • A kit car is a fun investment for any car enthusiast, but you need a special type of auto insurance to cover it
  • Since kit cars have a greater risk of theft, you should invest in extra anti-theft technologies and safety features to attract greater discounts from the insurer
  • Comparison shopping is the sure way of finding the best coverage for a kit car at affordable rates

Auto insurance coverage has always been a mandatory requirement in many US states. Before the inception of online car insurance comparison sites, drivers used to obtain coverage via licensed insurance agents.

Insurance providers only dealt with professional insurance agents who, upon successfully selling an auto insurance product to a client, received a percentage commission.

However, the commission wasn’t added to the product’s retail price.

The onset of the Internet age changed all that. Although you can still choose to buy an auto insurance policy from an agent, almost everything can now be done online.

You can get an auto insurance quote and purchase the actual policy with the click of a button anywhere, anytime.

Read on to learn more about kit car insurance and make sure to use our free insurance comparison tool above today!

Auto Insurance for Kit Cars


Kit car insurance is specially designed to offer coverage for a vehicle that you build yourself. Kit cars are more like prefabricated houses; which means that the parts come separately and you assemble them together to make a car of your choice.

Generally, you’ll invest a great deal of time and money to come up with a kit car.

Buying specialty auto parts from classic and vintage automobiles and putting them up together can be a rewarding practice, but insuring these cars takes a unique approach.

You may need to insure the parts right the moment you make an order to the time your kit car is fully assembled and ready to hit the road.

Comparison shopping and buying your kit car insurance online can help you get some great deals with good coverage.

One feature of kit cars is the extreme lightweight. This is meant to enhance the driving experience by improving acceleration rates and speeds.

Again, kit cars are designed with larger engines than the ones meant for small cars. This is to improve the ratio of power-to-size required to build a more powerful car with great speed. These features and benefits, however, come with some downsides as well.

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The Downside of Kit Cars

Smaller cars with lightweight and powerful engines are known to attract car thieves. It’s because these engines are quite expensive and can be removed and fitted in other bigger cars.

So, this attracts a lot of theft and joyriding. Insurance companies, therefore, raise premiums for kit car instance to pass the cost down to the owner.

Another pitfall is that these cars lack the critical safety features like high impact crumple zones, anti-lock brakes, and airbags.

This makes auto coverage for kit cars relatively high, and some insurers typically shy away from insuring such cars.

If you own a kit car and feel like your regular insurance company is charging you too high, or they have turned their back on you, read on to learn some valuable tips on how you can acquire affordable coverage online.

Below are some tips on how to find kit car insurance online:

– Speak to Your Insurer First

It’s important to first speak to your regular insurance company and see if you’re getting the best rates based on your driving record and loyalty.

If you’ve been a reliable driver over the last few years, there’s a chance you can qualify for a no-claim bonus discount that can significantly lower your premiums.

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– Compare Quotes Online

Search online for kit car insurance options available on the market. You will be surprised by the number of different insurers offering kit car insurance at different rates.

Compare quotes from several companies side by side and see which option best suits your insurance needs at a reasonable cost.

– Investigate In-Person


Contact the insurance companies you found while researching online and ask about any additional discounts from each. Always follow due diligence when dealing with each insurer.

Again, ask for recommendations from friends or family members before you make the final decision.

– Check for Extra Features

It always rewards to practice savviness when shopping for kit car insurance. Any regular auto insurer is concerned with the numbers, but insurers specializing in special cars will appreciate how you feel about your kit car.

This will reflect on the premiums they charge. Shop around and compare as many quotes as you can to get the best deals. Finally, make a choice and get ready to enjoy your kit car!

How to Keep your Premiums Low


Once you get your kit car insurance, you don’t have to stop there. There are a number of steps you can take to keep your premiums low. Here a just a few tips on how:

  • Purchase a form of immobilizer to deter potential car thieves from stealing your kit car.
  • Purchase a smaller engine size to fit in your kit car frame. This may be difficult to do, but it makes your car less attractive to thieves.
  • Specify the specs of your kit car with honesty when working with an insurance provider. This makes it easy to make a claim in future, should an accident occur.

Buying Auto Insurance Directly Online

If you are keen enough, you’ll notice that there has been an increase in the number of insurance commercials on TV. Almost every online streaming site, media outlet, or cable channel is bombarding you with adverts telling you to compare quotes online.

It’s actually pretty easy, go to an auto insurance online comparison site, fill in the details, and get your quotes. If you are pleased with one particular quote, you just have to fill a few additional forms and get a policy.

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Advantages of Buying Online

The convenience that comes with buying car insurance online is unmatched. You can go online and get a quote anytime, day or night.

In addition to that, its super-fast compared to dealing with an agent. Usually, when dealing with an agent, you have to leave your details and wait for them to call you back.

Theoretically, buying online eliminates the need for a middleman. Therefore, you will get a lower rate as opposed to dealing with an agent who gets paid through commissions.

Disadvantages of Buying Online

Buying online can be cheap and fast, but it has its downsides too. Information is limited, and you don’t have the convenience of asking questions that come up.

Dealing with an agent comes with more insight and understanding of the product you are about to purchase.

Carefully weigh the options of kit car insurance available online and make an informed choice. Ask about any extra discounts available from each provider and choose the best possible coverage at a reasonable cost.

If you choose to buy directly online, compare as many quotes as you can to reduce auto insurance costs. You can use our FREE quote tool to compare auto insurance rates today!