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Modified car insurance

Best modified car insurance companies compared

We rate five specialist insurers on agreed value, modification cover, track use and price. Filter to your build, then get matched quotes in one tap.

5 of 5 insurers
Provider Rating From / yr Best for
HG Hagerty Editor pick
★★★★★ 4.8
$840 Best for drag racing
GR Grundy
★★★★★ 4.6
$910 Best value
AC American Collectors
★★★★☆ 4.4
$880 —
HC Heacock Classic
★★★★★ 4.5
$960 —
TR Traction Insurance Best for track
★★★★☆ 4.3
$1,020 Best for track use
HG
Hagerty
Best for drag racing
From / yr
$840
★★★★★ 4.8 (1,240 reviews)

Agreed-value specialist — the go-to for heavily modified and forced-induction builds.

  • Agreed value
  • Track-day add-on
  • Mods declared
  • US only
  • Higher excess
GR
Grundy
Best value
From / yr
$910
★★★★★ 4.6 (870 reviews)

Unlimited agreed value with no mileage cap on most collector and modified policies.

  • No mileage cap
  • High limits
  • Spare-parts cover
  • Stricter storage rules
AC
American Collectors
From / yr
$880
★★★★☆ 4.4 (520 reviews)

Broad collector cover that extends comfortably to tasteful street builds.

  • Flexible usage
  • Inflation guard
  • Limited track cover
HC
Heacock Classic
From / yr
$960
★★★★★ 4.5 (640 reviews)

Flexible classic + modified cover with genuinely strong event coverage.

  • Event cover
  • Flexible use
  • Roadside
  • Phone quote only
TR
Traction Insurance
Best for track use
From / yr
$1,020
★★★★☆ 4.3 (410 reviews)

Track-day and competition focused, built for cars that see the strip often.

  • Competition cover
  • On-track damage
  • Premium pricing

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