Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Compare kit car insurance
Find out how to get coverage for your custom-built car.
What is kit car insurance?
Kit car insurance is any insurance policy on a car that wasn’t put together by a traditional manufacturer. Because these cars often have expensive parts and lack the security features of mass-produced cars, they can be expensive to insure.
If you currently own a kit car, or are planning on building one, getting it insured is part of the process of getting it street legal. And if you’re buying expensive parts, you may want to consider getting it insured while you’re building it.
Most kit cars will be insured at an agreed value. This means that you and your insurance company will agree on an amount that the car is worth if it’s totaled. This amount should factor in the cost of the parts as well as the cost of your labor and effort.
What coverage do I need for my kit car?
There are three main types of coverage available. What kind of coverage you get will depend on your kit car’s value plus any financing requirements.
- Liability. This is legally required in most states and covers you if you damage someone else’s property or injure someone in an accident.
- Collision. As well as covering you for any damage you cause in an accident, this also provides protection for damage to your kit car caused by a collision.
- Comprehensive. This covers damage not caused by a collision, such as storm damage or theft.
If you use your kit car in competitive racing, you’ll need to get additional racing insurance to cover you when you race.
Insuring your car while you build it
You can also get coverage while you’re building your kit car. This is known as vehicle under construction insurance and can protect you from damage and theft while you’re working on your car. Some policies may also cover damage to parts and tools.
Another option is temporary car insurance, if you’ll only be driving the car occasionally as a test drive or during car parades.
How are rates determined?
The cost of your kit car insurance will be determined by the level of coverage you need, your age, location and driving history as well as the estimated value of your kit car and the risk it poses to an insurer.
As kit cars are rare and often unique, insurance prices can vary significantly. You’ll need to get specialized insurance, which may be labeled rare car insurance or classic car insurance, which may cost more than regular car insurance.
Compare agreed value kit car insurance
To get the best deal on your policy: Putting a kit car together can be a rewarding project, but it isn’t over when the last piece goes on. You’ll need to title, register and insure your car before you can drive it. To get the best deal, compare car insurers and get quotes from several companies.
How to save on kit car insurance
Frequently asked questions about kit car insurance
To get the best deal on your policy:
Putting a kit car together can be a rewarding project, but it isn’t over when the last piece goes on. You’ll need to title, register and insure your car before you can drive it. To get the best deal, compare car insurers and get quotes from several companies.
More guides on Finder
How to get rid of Private Mortgage Insurance (PMI)
Smart strategies that homeowners can use to get rid of Private Mortgage Insurance (PMI).
How does a VIN affect car insurance?
Learn how insurance companies use identifying info from your VIN to set rates.
Disability insurance for business owners
Getting a policy can be complicated, but it offers protection for you and your employees.
Compare garage door installation services
Plus, 6 questions to ask to find the right professional for the job.
Get a new smile in as little as six months with SmileDirectClub. Learn about treatment, costs and whether it’s covered by health insurance.
How to separate your finances during divorce
Ways to protect your assets and what you need to know about marital debt.
MeMD review Jan 2021
Doctors and therapists charge a low flat fee per visit — but this platform doesn’t accept insurance.
How long does it take to get disability insurance benefits?
Which type of disability insurance you have influences how long it’ll take you to receive benefits. Find out how long you may have to wait.
Compare full coverage vs. liability car insurance
Which type of car insurance policy fits your car and driving needs?
T-Mobile prepaid phone plans review
Get on the T-mobile network without a long-term contract or credit check. Here are all the details to see if T-mobile prepaid is right for you.