Car Insurance for Track Days

Car insurance for track days is not included in standard policies and can vary depending on race details and car modifications. Purchase car insurance for track day a few days in advance so you can race with proper coverage.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: May 19, 2022

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Here's what you need to know...

  • Most insurance providers do not include coverage for track days in their insurance policy. You will require getting an insurance policy to cover the days you will be on track
  • It is not a legal requirement to obtain coverage for the track days but worrying about your insurance is the last thing you want while getting in the race
  • Read the information given on your policy to gather information about the track event coverage. You may also consider getting the same information from an experienced insurance broker

Car enthusiasts have a challenge when it comes to acquiring the right insurance cover for a track day event. Many car insurance providers do not include the track day coverage on their standard auto insurance policy while others offer no guarantee of the payment of their claims.

The insurance policies for the track day events are higher in most companies, but you would not risk getting on track without the proper coverage for your vehicle.

In most cases, the insurance companies do not provide liability coverage and third-party coverage for damages on another car.

If you are looking to participate in a track event soon and need auto insurance, start comparison shopping today by entering your ZIP code above!

What are the coverage options for a track day?

Insurance companies cover the repair or replacement of an insured car taking part in a track day event. Track day policies are different from one company to another depending on the information indicated on their clauses.

Other items that they may cover besides the accidental damage include fires following an accident, destruction of the engines, and modifications to the vehicles.

Few insurance providers include the coverage for track events on the personal insurance policy while others provide the track day coverage independently.

Therefore, it is important to compare the costs of different insurance companies to get the different services that they offer.

Some companies may exclude the coverage for damage to:

  • The engine
  • Brake pads
  • Fluids
  • Towing
  • Modifications from the track day insurance policy

Other instances when you may not get track day coverage include when you use your car in a race, competition, or arena.

The track day insurance provider assumes that you will be purchasing a cover for the time the car is on the racetrack. Therefore, you will need to inform the broker or insurer of your intentions to cover a track event lest you risk denial of compensation while making a claim.

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Which factors determine your coverage status?

Before the track day event, a driver may take part in simple instructions known as a “drivers’ education” event.

Some insurers will repay you for an accident which occurs at such a time, but that depends on how the driver and instructor answer the questions from an insurance adjuster.

Some of the factors that help determine your coverage status include:

The Presence of An Instructor

Instructors conduct commercial safe driving courses with speeds not exceeding 100kph. The presence of an instructor on the vehicle would increase the chances of obtaining coverage.

The Insurance Terms

Some insurance policies explicitly refuse coverage for any accident happening on a racetrack. Therefore, it is important to go through the clause or seek help from an insurance agent.

Remember that an insurance agent may not have a clear understanding of the insurance policies in a particular company and may end up giving you general information.

Racing Event

You may not obtain insurance coverage if the instructor describes the event as a competition or mentions anything to do with racing to an insurance adjuster.

Car Modifications

Most cars used in track events have modifications to enhance performance. It may be a challenge getting coverage when you have full slicks and roll-cage on your car among other modifications.

However, some insurers may include an Agreed Valuation clause in your policy to protect a highly modified car.

Timing

Most insurance companies would not cover an accident if the race organizers timed the drivers. Therefore, the best answer for that is no.

How To Obtain Car Insurance For The Track Day

Getting insurance coverage for the track day is very simple and fast for the standard cars.

However, it is ideal to obtain the coverage two to three days before the track day to avoid any inconveniences and allow the insurers to finalize the paperwork. You need to identify the day that the competition will take place before completing an online application.

You will then make the payment, after which the insurance company will send you the policy instantly to your email address.

A policyholder should consider giving the insurer a call if they need more exceptions added to their coverage. They should also contact the insurance company in case of changes on the track day.

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How To Get Track Day Car Insurance

Insurance for track days is higher with most insurance companies. Some companies offer relatively lower prices for their coverage. GEICO and State Farm both offer track day insurance, but you can also look to smaller companies for this kind of protection.

Therefore, it is important to look out for a cheaper one with attractive rates online or look for an experienced insurance broker who will help in such situations.

Some insurers use the total value of the car to calculate their premiums.

In this case, they may charge 0.6 percent to one percent of the total value, our source reports.

Other factors that influence insurance rates are:

  • The circuit – If a particular course reported very low incidences in the previous track day events, then anyone participating in the race might obtain a lower insurance rate.
  • Additional drivers– Some drivers have had a record of causing more accidents. Therefore, the inclusion of other drivers on your policy may lead to a great increase in your premiums.
  • Age – Just like the other insurance policies, age plays a crucial role while determining the ideal coverage for the track day.
  • The model of the car– The expensive, fast, and exotic cars may have higher premiums than the standard car.

What do you need to know about track day insurance?

Some insurance companies do not cover the driver or any other passenger on the vehicle. Therefore, you should ask whether they include liability insurance and their limits while shopping for an ideal cover.

You should also consider checking other requirements from the insurance provider such as the overall state of the car.

You should identify the coverage you need to lower your rates.

Remember, getting insurance coverage is not a license to drive recklessly since some mistakes are very costly to insure.

The best thing about this type of policy is that it’s customizable. You can pay the insurance premiums for your first day, and then not use it for the next race. You can buy track insurance for cars for 6, 9, or 12 days and get a discount on the per-day cost.

If you are looking to insure your car before a track event, start comparing auto insurance rates by entering your ZIP code below!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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