Car Insurance for Track Days

Car insurance for track days are not included on 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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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®

UPDATED: Sep 15, 2020

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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 for 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 policies while others offer no guarantee of 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 a liability 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!

Coverage Options for Track Day

Insurance companies cover the repair or replacement of an insured car taking part in a track day event. The 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 on the vehicles.

Few insurance providers include the coverage for track events on the personal insurance policy while others provide the 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 coverage include when you use your car in a race, competition, or an arena.

The 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 for a track event lest you risk denial of compensation while making a claim.

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Factors that 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 speed 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.

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Racing Event

You may not obtain 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 the 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.


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

Obtaining Car Insurance for the Track Day

Getting an insurance cover 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.

Insurance Rates

Insurance for track days is higher with most insurance companies. Some companies offer relatively lower prices for their coverage.

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.

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.

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What 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 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.

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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