Compare sports car insurance

The right policy can help get speedy repairs for your fast car.

Last updated:

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Sports cars are notoriously expensive to insure, and even more expensive to repair if you don’t have the right coverage. Compare sports car policies that fits your needs and budget.

Best car insurance for sports cars: Allstate

Enjoy having your own dedicated agent to help you get the best discounts and coverage.

  • Rewards for safe drivers, good students and more
  • Get your own dedicated insurance agent
  • Rewards for safe drivers
  • Basic to comprehensive
  • Your own dedicated agent

Compare sports car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Progressive lets you instantly compare online quotes with multiple car insurers to see if Progressive really has the lowest rates for you.
The AARP Auto Insurance Program from The Hartford
All 50 states & DC
Enjoy exclusive savings and benefits designed for experienced drivers over the age of 49.
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Find basic coverage and low rates through its easy online or app-based experience.
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
All states except AK & HI
Your broker is your one-stop shop for comparing any coverage you need.
Get an online quote with just your name and address and find out if you could save by bundling home and auto insurance.
Available in 30 states
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
Motion Auto
Get instant coverage and track your driving over time to lower your rates.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.

Compare up to 4 providers

What insurance do sports cars need?

Sports car insurance is designed to cover high-performance cars built to go fast. These compact cars usually have two seats and are set much lower to the ground in order to increase speed and perform better around corners.

The type of coverage you need depends on your budget and car. Coverage options include:

  • Full-coverage insurance. A full-coverage policy includes liability, collision and comprehensive insurance. It’s the most expensive option because it provides the most protection for your car.
  • Track day coverage. Standard insurance won’t cover your car while it’s on a racetrack. If you’re feeling the need for serious speed, check with your insurer before hitting the track.
  • Modifications. Your insurer may allow you to make a number of preapproved modifications or agree to insure your already modified car.
  • International coverage. If you’re planning to race in another country, check to make sure your insurance will cover you.
  • Soft roof coverage. Get coverage for the soft top on your convertible.

How can I save on my sports car insurance?

To get a lower premium:

  • Increase security. If your car is not currently fitted with an alarm, think about adding one to reduce your premium.
  • Have a secure location to park your car. Cars kept in a locked garage or on a secure driveway are usually cheaper to insure.
  • Limit your mileage. Letting your insurer know about a reduction in your mileage could result in cheaper insurance, especially if your sports car is a second car.
  • Increase your deductible. Agreeing to pay a bigger deductible after an accident could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your deductible don’t make it higher than you’re willing to pay.
  • Add experienced drivers. Adding an older and more experienced driver to your policy could help to lower the premium.
  • Limit optional extras if you don’t need them. For example, if you never intend to race your car, you don’t need track day coverage.
  • Avoid paying monthly. Some insurers will offer a discount if you pay your premiums annually.
  • Limit modifications. Modifying your car will likely raise your premiums.
  • Advanced driving course. Completing an advanced driving course, also known as a defensive driving course, can earn you discounts with some providers.
  • Shop around. Compare quotes from different insurers to get the best rate. And compare again instead of automatically renewing when your policy is up.

How much does sports car insurance cost?

The average monthly cost of car insurance is in the $200 range, depending on the car model. That puts the average annual insurance cost upwards of $2,400 for most sports cars, much higher than the average $1,300 for most car models. Compare insurance rates for some of the most popular sports car models.

Average insurance rates for popular sports cars

Sports car make & modelAverage monthly insurance rate
Audi R8$197
Chevrolet Camaro$154
Dodge Challenger$245
Ferrari 488 GTB$783
Fiat 124 Spider$238
Ford Mustang$166
Jaguar F-Type$148
Mazda MX-5 Miata$152
Nissan GT-R$158
Porsche Macan$220

Compare all sports car models

Why is sports car insurance so expensive?

Like traditional car insurance, sports car insurers will look at several factors when calculating the risk and premiums of a sports car and its driver.

Sports cars are more expensive to insure because they can be:

  • Driven faster and are therefore more likely to be involved in accidents
  • More likely to be targeted by thieves
  • More expensive to repair
  • Repaired only by certified or specialized mechanics
  • Imported or modified

Bottom line

If you own a sports car, you’ll likely pay more for car insurance than someone who owns a minivan. But that doesn’t mean you should just accept the first quote you see. Save money by comparing quotes from different insurers before purchasing a policy.

Frequently asked questions about sports car insurance

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site