Auto Insurance for Track Days (2024)
If you drive your vehicle on track days at a local racing club, your regular insurance won't cover you. Track day insurance from a specialized track day provider will cover damages to your car if you crash it on track day.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Your regular auto insurance won’t cover you on a track day event
- You’ll need to purchase a track day insurance policy for a day or weekend
- Most track day insurance policies don’t include liability insurance for damages to other cars
Getting the right insurance coverage beforehand is vital if you have a high-performance vehicle and want to drive it on track days at your local racing club.
Even if you have coverage from the best auto insurance companies, your normal auto insurance policy won’t cover you on the track. You’ll need to purchase special race track insurance, also known as high-performance driver’s education (HPDE) insurance with most companies.
Read on to learn more about track insurance for cars and the general cost of track insurance.
Where can I buy track day auto insurance?
Popular insurance companies like State Farm or Geico don’t offer track day insurance. Instead, you’ll have to purchase track insurance through specialized insurance companies.
Generally, track day insurance policies are valid for either one or a few days. They’re not continuous auto insurance policies — insurers intend these policies to be coverage for occasional high-risk events.
Some of the common track day insurance companies whose names you might see when looking for track day insurance are:
- Hagerty
- Lockton Motorsports
- OpenTrack
- RLI
You can choose to get quotes individually through track day auto insurance companies, or you can go through an insurance broker that compares multiple track day companies and determines the company with the cheapest rate.
When picking a track day auto insurance company, check its reviews and ratings before signing up. If you have to file a car insurance claim, you’ll want a company with a good reputation to make the claim filing process easy.
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What does track day auto insurance cover?
If you’re wondering what track day insurance covers, it depends on the coverage amount you buy. However, most basic track day auto insurance plans cover the following:
- Damages to your vehicle when participating in a track day event, including blown engines or fires to your vehicles after a crash
- Damages to your vehicle while in the paddock
- Damages to your vehicle caused by you or your driving instructor
You may hear the term agreed value coverage when signing up with a track day auto insurance company. Agreed value is when you and the insurance company determine how much your car is worth. If you total your car on a track day, you’ll receive the agreed-upon amount for your vehicle. There may also be extra coverage options like towing, storage, or rental car reimbursement.
You may also be able to customize your track day insurance coverage by adding coverage for vehicle modifications. For example, if you have a custom paint job, you can buy additional coverage so you won’t pay out of pocket for repairs if you ruin the custom work.
What doesn’t track day insurance cover?
Most track day insurance providers don’t have liability auto insurance coverage. So what does this mean for you? If you cause damage to another vehicle on the track, you’ll have to pay for repairs.
Since most cars on the track are expensive, paying for repairs out-of-pocket can be a huge downside. Shop around with quotes from auto insurance companies that offer liability coverage for high-performance vehicles so you can get the right coverage.
Why Track Day Car Insurance Is More Expensive
If you’ve shopped for track day auto insurance before, you know it can be more expensive than a standard auto insurance policy. Why? Most vehicles driven on track days are more expensive than your average commuter car.
In addition, racing is much riskier than normal driving. There’s a much higher likelihood of you crashing or damaging your car when driving on a track. Consequently, track day insurance companies charge higher rates to compensate for the risk.
You may be able to slightly reduce the cost of track auto insurance by following the tips below:
- Shop around for quotes from a few insurance companies beforehand.
- Take a high performance driver’s education course covering track driving.
- Avoid expensive vehicle modifications.
- Get a driving instructor.
We recommend purchasing insurance for the track day event beforehand, rather than waiting until the day of the track event. Planning ahead ensures you have time to compare quotes and research which company offers the best protection for your vehicle.
The Final Word on Track Day Auto Insurance
Even if you have a standard car, your regular auto insurance won’t cover you if you participate in high-risk events like track days. You’ll need to purchase track day or HPDE insurance for your event. Ensure it covers your car’s full value, and purchase liability coverage if the insurance company offers it.
If you want to jump in and compare auto insurance rates today, use our free quote comparison tool to find your area’s best rates.
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Frequently Asked Questions
Is my regular auto insurance policy sufficient for participating in track days?
No, your regular auto insurance policy is unlikely to cover you while participating in track days. Standard auto insurance policies typically exclude coverage for high-performance driving events, such as track days. It’s important to check with your insurance provider to understand the specific limitations of your policy.
What insurance options are available for track day participants?
For track day participants, there are specialized insurance options available, commonly known as track day insurance or motorsport insurance. These policies are specifically designed to provide coverage during track events and may include coverage for vehicle damage, liability, and even personal injury.
What does track day insurance typically cover?
Track day insurance coverage can vary depending on the policy and provider. It may include coverage for vehicle damage resulting from accidents on the track, damage caused by other participants, theft, fire, and sometimes liability coverage for third-party injuries or property damage. It’s important to review the specific terms and conditions of the policy to understand what is covered.
Do I need track day insurance if the event organizer provides insurance coverage?
While some track day event organizers may provide insurance coverage as part of the registration fee, it’s crucial to carefully review the details and limitations of that coverage. The organizer’s insurance may have restrictions or exclusions, and it may not provide the level of coverage you desire. Having your own dedicated track day insurance can offer additional peace of mind.
How do I purchase track day insurance?
Track day insurance can typically be purchased from specialty insurance providers that offer motorsport or track day coverage. It’s recommended to research and contact different providers to obtain quotes and compare coverage options. Some providers may offer online purchasing options, while others may require speaking with an agent to finalize the policy.
What factors affect the cost of track day insurance?
The cost of track day insurance can be influenced by various factors, including the value of your vehicle, the type of track day event, the level of coverage desired, the number of track days you plan to attend, your driving experience, and any previous accidents or claims. It’s best to consult with the insurance provider to get an accurate quote based on your specific circumstances.
Can I get track day insurance for a rented or borrowed vehicle?
Track day insurance for rented or borrowed vehicles is typically more challenging to obtain. Most track day insurance policies require the vehicle to be owned by the policyholder or the policyholder to have an insurable interest in the vehicle. It’s advisable to consult with the insurance provider to determine if they offer coverage options for rented or borrowed vehicles.
Are there any restrictions or requirements for track day insurance coverage?
Track day insurance policies may have certain restrictions or requirements. These can include driver experience requirements, vehicle modifications limitations, adherence to safety regulations, and compliance with track event rules. It’s important to thoroughly review the policy terms and conditions to ensure compliance with any requirements set by the insurance provider.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.