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How do auto insurance companies define sports cars?

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Ferrari F430

Is there any doubt that an insurance company would define THIS as a sports car?

Auto insurance companies assign a higher premium to sports cars because they are more expensive to repair, riskier to drive, and sports car drivers are more prone to drive faster and potentially recklessly. However, what is the insurance definition of a sports car?

Add this ramped up insurance payment to what is likely already to be a hefty monthly car payment, and you may find yourself running out of money…fast! While most performance car enthusiasts find that the costs of driving their favorite cars is a small price to pay, it’s always a good idea to keep those costs as low as possible by finding the best rates on sports car insurance.

Read on for more information about sports cars and car insurance and then use the free comparison tool on this page to enter your zip code in for a free car insurance comparison!

Definition of a Sports Car

The definition of a sports car varies from insurer to insurer. Each company assigns a different value to the components that go into a car, emerging with premiums that are always higher for automobiles that end up being classified as sports cars or high performance vehicles. Some factors that go into the calculations include: make and model, engine size, number of cylinders, height, weight and horsepower. Vehicles that end up fitting the sports car bill are often sleek, low, race-equipped pieces of machinery with two doors and a lot of control.

Why are Sport Cars so Expensive to Insure?

These cars are expensive to insure not only because they can go fast and are therefore considered riskier, but because they are expensive to repair. By keeping your driving record clean, you are doing one of the most important things possible to lower your premiums. Companies will consider it less likely that you will damage either yourself or your vehicle in an accident if you have an unblemished—or close to it—driving record. And by employing safety mechanisms such as alarms and vehicle locating systems, the insurance companies will know it is less likely that your vehicle will be stolen or otherwise damaged by thieves.

What are the Most Expensive Sports Cars to Insure?

According to the website of the New York State Insurance Department, some of the most expensive cars to insure include:

  • Acura Legend GS
  • Acura Legend L
  • Acura Legend LS
  • Acura NSX
  • Acura NSX-T
  • Aston Martin
  • Austin Healy
  • Audi 5000
  • Avanti
  • Bentley
  • Bricklin
  • BMW CS Series
  • BMW L Series
  • BMW M Series
  • BMW 21
  • BMW Z1 Roadster
  • Chevy Camaro RS
  • Chevy Camaro Z-28
  • Chevy Cavalier Z24
  • Chevy Caprice LS
  • Chevy Corvette
  • Chevy El Camino
  • Chevy Impala SS
  • Chevy Lumina Z34
  • Chevy Monte Carlo SS
  • Chevy Nova SS
  • Chevy Camaro IROC-Z
  • Chevy Crossfire
  • Chevy Laser
  • Chrysler Conquest
  • Chrysler Conquest TSI
  • DeLorean
  • Dodge Challenger
  • Dodge Charger
  • Dodge Colt GTS Turbo
  • Dodge Conquest
  • Dodge Daytona Turbos
  • Dodge Daytona IROC-Z
  • Dodge Spirit R/T
  • Dodge Sprinter Vans
  • Dodge Stealth
  • Dodge Viper
  • Dodge Eagle
  • Dodge Vision TSI
  • Dodge Talon
  • Dodge Talon TSI
  • Ferrari
  • Fiat
  • Ford EXP Lightning
  • Ford Cobra GT LX 5.0
  • Ford Thunderbird Sport
  • Ford Torino GT
  • GMC Cyclone
  • GMC Typhoon
  • Honda Civic Del Sol SI
  • Honda Civic Del Sol VT
  • Honda CRX
  • Honda CRX Si
  • Honda Prelude SI
  • Honda Prelude VT
  • Isuzu Amigo
  • Isuzu Impulse
  • Jaguar XJ-S
  • Jeep Scrambler
  • Jeep Taurus SHO
  • Jeep Willie
  • Jeep Wrangler
  • Jeep CJ
  • Jeep DJ-5
  • Lamborghini
  • Lexus SC300
  • Lexus SC400
  • Lincoln Mark VII B
  • Lincoln Mark VII LSC
  • Lincoln Mark VIII
  • Lotus
  • Maserati
  • Mazda Miata
  • Mazda RX-7
  • Mercedes-Benz
  • Mercury Cougar XR-7
  • Merkur Scorpio
  • Mitsubishi 3000
  • Mitsubishi Eclipse
  • Mitsubishi Starion Ralliart
  • Mitsubishi EVO-RS
  • Nissan Roadster
  • Nissan Pulsar
  • Nissan NX2000
  • Nissan 200SX/240SX
  • Nissan Z Models
  • Nissan ZX Models
  • Nissan 300ZX
  • Oldsmobile Achieva with HO Quad 4 Engine 442(400)
  • Oldsmobile Cutlass Calais Quad 4
  • Peugeot
  • Plymouth Conquest
  • Plymouth Laser
  • Plymouth Prowler
  • Pontiac Fiero
  • Pontiac Firebird
  • Pontiac Trans-Am
  • Pontiac Grand Am GT
  • Pontiac LE
  • Pontiac SE
  • Pontiac Grand Prix GT/G TP
  • Pontiac GTO
  • Pontiac Sunbird GT
  • Pontiac Sunbird SE
  • Porsche
  • Range Rover County
  • Range Rover Defender
  • Land Rover
  • Renault Alliance
  • Renault GTA
  • Renault Fuego
  • Rolls Royce
  • SAAB Turbos
  • Subaru Brat
  • Subaru SVX
  • Subaru WRT-STi
  • Suzuki Samurai
  • Suzuki Sidekick
  • Toyota Celica GT
  • Toyota Celica Supra
  • Toyota Landcruiser
  • Toyota MR2
  • Triumph TR3,4,5,6,7, and 8
  • Volkswagen Corrado
  • Volkswagen Phaeton
  • Volkswagen GTI
  • Volkswagen Scirocco 16v
  • Volvo 850 R
  • Volvo 850 Turbo
  • Yugo

How to Find Good Rates on Sports Car Insurance

When you compare car insurance quotes online, you will find that you have immediate access to quotes that take your situation as a sports car enthusiast into consideration. When typing in your information, make sure to include all of your car’s features, as well as your own personal circumstances, that could qualify you for discounts.

From anti-theft devices to window etchings, and from multi-car policies to Electronic Payment Transfers (EFT), there are many ways to earn discounts on insurance for your sports car. To find out what kind of benefits may be waiting for you, type your zip code into the box in the upper right hand corner.

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