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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Written by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

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 Jeffrey Johnson

UPDATED: Jun 29, 2022

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In a nutshell

  • The Miata is relatively cheap to insure before modifications
  • Young drivers may want to consider attending college before being obligated to pay the premiums for modified vehicles
  • Make sure to read up on modified car insurance so you know what you need before hitting the road

Modified cars are a unique part of our society where people buy a vehicle and spend thousands of dollars modifying the vehicle. Everything from the engine to the exhaust, cars that can be modified have become an art form in some circles.

Auto insurance for modified cars, however, is treated very differently by car insurance companies and it’s imperative you understand how modified car insurance works. It’s important to know if your auto insurance will cover the parts you purchase in order to modify your car, should you get into an accident and your vehicle needs repair.

It’s common for people to modify a car then be denied a claim in a car accident since the vehicle is not the same vehicle the car insurance company decided to insure.

Enter your zip code above to get free car insurance quotes today. Read on below to see some of the most modified cars in the world

Honda Civic

Some drivers would say the Honda Civic was created to be a modified car due to its low weight, dual wishbone suspension and the ability to run the vehicle by outfitting almost any Honda engine under the hood.

The Honda Civic is one of the most affordable vehicles to insure with the top end CIVIC SI edition running around $125 per month for full coverage insurance.

Of course, once you have 44-inch wheels and a V12 engine, you will need some custom car insurance.

Don’t blow your entire trust fund on the rims, save a few dollars for higher car insurance rates.

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Toyota Supra

Modified cars are huge in Japan, and the Toyota Supra is a car which screams race car. Discontinued in 1998, the Toyota Supra is still in high demand worldwide due to the performance of this vehicle.

Well known for its racing abilities, many owners trick this Toyota out with custom intakes, nitrous and more before attending auditions for the Fast and Furious.

The Supra is an older model car, and before you trick it out like Mario Andretti’s cousin, auto insurance should run around $100 a month. Just be careful not to catch yourself a speeding ticket.

Dodge Charger

There are rumors that the Dodge Charger secretly comes with a tattoo which reads “buy big rims and light up my floor” but thankfully not everyone is so hip they need to spend $10,000 on rims which spin the wrong way.

The Dodge Charger is fresh and has seen many modified versions over the years including the famous General Lee in the Dukes of Hazard and our beloved State Troopers who patrol the highways rolling dice over who they will pull over today.

A new Dodge Charger is going to cost around $150 a month in auto insurance for most drivers, however,  since you are rolling with the big dogs now that shouldn’t worry you.

Ford Mustang

The Ford Mustang is one of America’s muscle cars and is a favorite with modified car owners nationwide.

Even with a V8 engine, you can never have enough power under this hood, and many owners have poured more money into customized Ford Mustangs than the base price of the car.

Car insurance for a Ford Mustang before a modification is around $140 a month.

Young drivers may want to consider attending college before being obligated to pay the premiums for modified vehicles.

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Mazda MX-5 Miata

The Mazda Miata is a modified car owner’s best friend.

Custom kits are available anywhere to alter this little roadster into a monster automobile. Some drivers even go crazy and add a 5.0L V8 from the Ford Mustang under the Miata’s hood.

At some point, you need to understand the difference between having a roadster and a batmobile, and sometimes modified Mazda Miata’s can fall in both categories.

BMW 3-series

Outside of America, on the other side of the pond, the BMW 3 series is the most popular performance vehicle, and owners have access to aftermarket parts and support on the same scale Americans do for Ford Mustangs.

Average car insurance cost for a BMW 3 series – $140 to $190 a month depending on what version you want to buy and beef up. All modifications cost extra.

The Nissan Skyline GTR, Mitsubishi Evo, Citroen Saxo and Fiat Punto are also all on the list of the world’s most modified cars.

Enter your zip code below to get free car insurance quotes today.