Insurance for modified cars

Modified vehicles can include the following:

• Significant performance increases such as an addition of a blower, supercharger or turbocharger
• Structural alterations to the body/chassis/frame
• Custom paint worth $10,000 or more
• Hydraulics
• For information on Modified Trucks, SUVs and Jeeps, click here.

Replicas

Replicas should duplicate vehicles that are no longer in production, such as '50s Porsche Speedsters or '20s Mercedes Benz Roadsters. Because the quality of these vehicles' construction can vary greatly, we may require additional documentation of the vehicle's condition prior to offering a policy. To qualify for our program, replicas must meet the following requirements:

• Minimum value is $3,500
• Minimum value is $15,000 for Shelby Cobra replicas (because of the power and performance these replicas may have, additional underwriting criteria may apply)

Vehicles modified with 650 or more horsepower

Vehicles that have been modified with 650 or more horsepower can be considered.  To qualify for our program, they must meet the following requirements:

• Minimum value is $15,000
• Named insured and operators must have 10 years' driving experience
• Prior experience with a high-performance vehicle is required
• One minor claim or violation for the household may be acceptable
• Vehicles modified with more than 900 horsepower may qualify for comprehensive/limited trailer and paddock coverage only

Lowriders

Lowriders are vehicles that use hydraulic and air suspension to lower or bounce the car. To qualify for our program, lowriders must meet the following requirements:

• Minimum value is $15,000
• Vehicle must be kept in an enclosed and secure garage at residence
• Photos of the vehicle inside the garage are required prior to offering coverage
• Lowriders under construction will not be considered until they are complete
• Requires a minimum $1,500 comprehensive and collision deductible*
• Bounced vehicles can be considered in all states except KS, NC, NY and VA

Tuners

Tuners are generally Asian or European manufactured sport compact vehicles that are highly customized for looks and/or performance. These vehicles are usually 1990 and newer. Typical modifications include tuned engines, body kits, carbon fiber, custom paint, wheels, and interiors featuring elaborate stereo equipment, TVs, video game systems, etc. To qualify for our program, tuners must meet the following requirements:

• Minimum value is $15,000
• Vehicle must be kept in an enclosed and secure garage at residence
• Photos of the vehicle inside the garage are required prior to offering coverage
• Requires a minimum $1,500 comprehensive and collision deductible*