Best Car Insurance Companies That Cover Modified Cars (2021)

If you are looking for the best car insurance companies that insure modified cars, some major car insurance companies fit the bill. However, specialty insurers might be the best affordable car insurance companies that insure modified cars because they primarily focus on modified and classic cars. Specialty companies are more likely to immediately cover cars you add to your policy for 30 days, but all car companies that insure modified cars will offer you agreed value.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 14, 2021

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The Highlights

  • Grundy, Allstate, and American Modern are among the best car insurance companies that insure modified cars
  • Hagerty and State Farm are among some of the best car insurance companies that do insure modified cars
  • Car insurance companies usually insure cars that have utility modifications, but the list differs among companies

Are you trying to find the best car insurance companies that insure modified cars? Some major car insurance companies will, but many specialty insurance companies offer coverage as well.

To help you choose among the best car insurance companies that insure modified cars, we have created a list of 15 companies. From this list, a few stand out because of the benefits they offer policyholders.

Ultimately, you need to compare car insurance coverages and quotes to find the best company for you.

Read on to know more about the best car insurance companies that insure modified cars. If you want to look at rates from top car insurance companies in your area right now, enter your ZIP code into our free quote tool above.

Which are the best car insurance companies that insure modified cars?

All these companies insure modified cars:

Best Car Insurance Companies That Insure Modified Cars: Car Insurance Rates
Car Insurance CompanyAverage Annual Rates
Allstate$1,976.24
American Collectors$1,004.40
American Modern$1,481
Auto-Owners Insurance$1,443
Chubb$2,080
Farmers$1,366.60
GEICO$1,295.40
Grundy$1,000*
Haggerty$1,200
Nationwide$1,896.67
New Jersey Manufacturers$1,189.75
Progressive$1,765.62
Safeco$1,188
State Farm$1,285.90
USAA$1,282.83
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* Insurance for Grundy might be cheapest if you insure one classic car.

Every company listed here also covers classic and collector cars, and they offer agreed value.

The Best Specialty Insurance Companies in This Group

The best car insurance in this area might be all the specialty companies: American Collectors, American Modern, Chubb, Grundy, and Hagerty. All these companies will immediately cover cars you add to your policy for 30 days, but Grundy and Hagerty stand out.

Key features of a Grundy car insurance policy include:

  • Original equipment manufacturer parts coverage
  • A deductible waiver if your car suffers damage beyond repair
  • Personal property protection so you can replace any property that was in your car during a robbery
  • Coverage for daily-use vehicles

Hagerty will cover your modified car if:

  • It has a custom paint job that costs more than $10,000
  • You upgraded the engine or fuel system, etc., to improve the car’s
  • performance
  • You made any structural changes to the car’s body

Hagerty is a trusted name in the industry, and it works with some other companies we listed above, including Allstate and Progressive. In addition, Hagerty will partner with State Farm to provide home and renters insurance bundles for its customers.

The Best Major Companies in This Group

Allstate, Auto-Owners Insurance, and Progressive are major insurers that offer the best insurance for modified cars.

  • Allstate and Progressive will insure your modified car like they would a regular vehicle, and both companies offer insurance for your customizations at agreed value.
  • For classic vehicles, Allstate offers full coverage. You can also get medical payments, personal injury protection coverage, underinsured and uninsured motorist protection, roadside assistance, a personal umbrella policy, and rental reimbursement.
  • Auto-Owners insurance will cover any vehicle you modify for better performance or accessibility.

Why don’t GEICO and State Farm belong on this shortlist? GEICO modified car insurance may fall under its classic car insurance. State Farm modified car insurance is limited to safety modifications.

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Which are some car insurance companies that don’t insure modified cars?

Here are 16 major car insurance companies that will not insure modified cars:

Car Insurance Companies That Don’t Insure Modified Cars: Coverage & Cost Comparison
Car Insurance CompanyCoverage for ModificationsClassic Car or Collector Car Insurance CoverageAverage Annual Rates
21st CenturyNoYes$1,424
AAANoYes$1,721.20
American FamilyNoYes$1,461.50
Amica MutualNoNo$1,281.60
ErieNoYes$1,230
EsuranceNoYes$1,876
GermaniaNoNo$1,109.66
KemperNoNo$2,930
Liberty MutualNoYes$1,436.37
Mercury InsuranceNoNo$1,197
Plymouth RockNoYes*$1,656
Shelter InsuranceNoNo$2,550
Tennessee FarmersNoNo$1,428
The Hanover Insurance GroupNoNo$2,490
The HartfordNoYes$1,247.83
West BendNoYes$1,180
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* Plymouth Rock’s classic car insurance is only available in Massachusetts & New Jersey.

From this group, American Family and The Hartford stand out because of their classic car coverage. Liberty Mutual is one of the best insurance companies overall for its car insurance.

American Family offers classic car owners almost all the types of coverages it offers drivers of normal-use cars. Also, if your cars are at least 10 years old, American Family will insure them. Additionally, you do not need to hold yourself to a mileage limit with your classic vehicle.

The Hartford offers full coverage for classic and collector cars, with agreed value. Also, the company offers 24/7 roadside assistance and flatbed towing. Additionally, you can take advantage of classic car and driving course discounts.

Which modifications will your car insurance company insure?

Your regular car insurance will likely cover modifications that add to your car’s utility, like bike racks, roof racks, sunroofs, and toolbars. In some instances, added leather seats might not raise your insurance rates.

In other cases, you can lower your insurance rates by adding anti-theft or safety features to your car. That includes rear cameras.

You will likely need to get add-on coverage for upgrades addressing your car’s appearance, entertainment value, and performance. This includes engine upgrades, custom paint jobs, and custom tires, rims, and spinners.

Some upgrades are expensive to replace and increase the risk of car theft, which is why you can expect to pay higher rates with car insurance companies that cover modified cars.

Some companies will not cover modifications that make your car more accessible for disabled drivers or riders. However, the National Highway Traffic Safety Administration states that you may have coverage for these modifications if you develop a disability because of a car crash.

What else should you know before buying modified car insurance?

There are a few things you need to do before getting modifications to your car:

  • First, make sure that the modifications for your car are legal in your state;
  • Secondly, determine which car insurance companies will cover your modified car, and;
  • Third, talk to an agent before getting the customizations or purchasing a customized vehicle.

Ultimately, you must be honest with your car insurance company. That way the company can assess the risk, and you can have the right amount of coverage you need in case of an accident.

We hope that this information about the best car insurance companies that insure modified cars has helped you in your search. If you would like to see quotes from top car insurance companies in your area, enter your ZIP code into our free quote tool below.

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