Traction Insurance is a US motorsport-focused insurer based in Atlanta, GA, offering agreed value coverage for street-driven and trailered performance builds. This review covers what their drag-and-drive product actually includes, one critical gap drag racers need to know about, and how it compares to alternatives.
The Critical Thing to Know First
Per Traction’s own product page, their Drag and Drive policy does not currently include on-strip coverage. Their site states directly: “We do not currently have an offering for on strip insurance. Most policies described here are for when the car is outside of the facility on public roads, in storage, in transport on a trailer or in the paddock.”1 If you’re looking for a policy that covers the actual timed pass down the strip, confirm this directly with Traction before buying — don’t assume “drag and drive insurance” means the drag part is covered on-track. If it isn’t, you’ll need a separate on-strip policy from a provider that explicitly covers competition use, such as Drag Racers’ Insurance.
What Traction Insurance Covers
- “True replacement agreed value coverage,” with or without liability1
- Modifications and permanently installed safety equipment, including roll cages1
- Storage, at the repair shop, on the trailer (including loading and unloading), and in the paddock — including overnight at hotels while travelling to events1
- Both road-registered and non-road-registered builds
- Annual and (per their site) other policy structures — confirm current options directly, as product offerings change
Traction’s own marketing states that qualifying enthusiast policies can save “on average up to 40% vs. traditional insurance policies”1 — treat that as their claim about their own product, not an independently verified figure, and get a like-for-like quote comparison for your specific build before assuming the saving applies to you.
What Traction Insurance Does Not Cover
- On-strip / on-track use, per their own current product description — confirm directly whether this has changed or whether a separate product exists
- Mechanical failure, blown engines, or gearbox failures
- Tyre wear and blow-outs (unless caused by a collision)
- Driver injuries (a separate personal accident policy is required)
Pricing
Traction doesn’t publish a rate card — like most specialist motorsport insurers, they quote agreed-value builds individually based on the car’s value, modifications, and how it’s used. Get an actual quote rather than budgeting off a number you’ve seen online; specialist agreed-value pricing varies too much by build to generalise usefully.
Alternatives to Consider
- K&K Insurance — longer history in motorsport, often used for NHRA sanctioned competition
- Drag Racers’ Insurance — drag-specific specialist; confirm current on-strip scope directly, as coverage details vary by policy
- Heacock Classic — collector and classic car specialist; better suited to street/show builds that also need road coverage than to dedicated on-strip competition
Whichever insurer you’re considering, ask the same direct question this review had to ask of Traction: does this specific policy cover on-strip, competitive use, or only transit, storage, and road use? The two are not the same product, and the naming of a policy (“drag and drive,” “motorsport,” etc.) doesn’t reliably tell you which one you’re getting.
Sources
- Traction — Drag and Drive Insurance
- K&K Insurance — Motorsports Insurance
- Drag Racers’ Insurance — Coverage
- Heacock Classic
Frequently Asked Questions
Does Traction Insurance cover on-strip drag racing?
Per Traction’s own current product page, their Drag and Drive policy does not include on-strip coverage — it covers the car in storage, transit, the paddock, and on the road, but not the timed pass itself. Confirm directly with Traction before buying if on-strip cover is what you need, since product offerings can change.
Is Traction Insurance available in all US states?
Availability varies by state. Contact Traction directly with your state of registration before committing to a policy.
How does Traction Insurance’s claims process work?
Traction has not published a specific claims-processing timeframe, and no independently verified figure is available. Thorough documentation at inception — declared modifications, agreed value appraisal, and (where relevant) event logs — generally speeds up any insurer’s claims process. Ask Traction directly about their current typical turnaround.
Ready to protect your build?
Compare specialist modified car and drag racing insurance in 60 seconds.
