Cheap High-Performance Car Insurance

Generally starting around $40,000, cars that can travel faster present a higher risk to car insurance companies. While a high-performance car does not require cheap high-performance car insurance specific to high-performance cars, if they are more than $150K, they will require specialty insurance. High-performance car insurance has average rates of $309.08/mo in the US. Cheap performance car insurance can be offered from any provider.

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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: Jan 19, 2021

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Here's what you need to know...

  • If you are searching for cheap insurance for your high-performance car, compare several options before making a decision
  • Because of your car’s horsepower, you can expect to pay higher premiums than others
  • Unless your car is a classic or is extremely expensive, you should be able to find coverage from most any car insurance company


Most high-performance cars start around $40,000. In most cases, you won’t have to find cheap high-performance car insurance specific to a high-performance car, though some cars — such as cars that exceed $150K in price — require specialty insurance because many regular insurance companies won’t insure them. High-performance car insurance can average monthly rates of $309.08. Most providers can offer cheap performance car insurance.

A high-performance car is a vehicle that has a lot of power compared to how heavy it is. Many people think that a high-performance car means a sports car that needs sports car insurance, but that isn’t the case.

While a $40,000 high-performance car isn’t by any means a cheap vehicle, you won’t have any problem finding regular insurance companies to provide you with coverage.

Because of this, you will have a much wider selection for your car insurance than if you were trying to insure a high-priced vehicle.

This wider selection means that there is more competition, which will equal bigger savings for you.

High-performance car insurance has average rates of $309.08/mo in the US. Because powerful cars can run fast, most insurance companies will assume that you intend to drive fast, leading to a higher price tag for your car insurance.

Enter your ZIP code at the top of this page and get affordable auto insurance from multiple providers for your high-performance car!

Who sells cheap high-performance car insurance?

You can purchase cheap high-performance car insurance from just about any insurer. You do, however, have the option of seeking out specialty companies.

Specialty companies often offer more options than a regular car insurance company will for a high-performance car.

You will usually find that specialty companies charge more for these services, so this is something to keep in mind if you are looking for ways to save money.

Insurance companies use the same criteria for determining what your costs will be as they would for a car with less horsepower.

You already know that the higher horsepower is going to affect your rates. Some of the other things that you can expect to affect your rates are:

Because every insurance company is unique, it is impossible to list everything that will affect your price, but this is a general list of what they will consider.

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Is cheap high-performance car insurance available in every country?

If you are planning on traveling overseas to a country like the UK to stay for an extended period, you need to understand that their car insurance companies work a little differently than they do in the U.S.

Many insurance companies in the UK don’t cover high-performance cars.

In this case, you will find that a company that provides insurance for high-performance cars will also provide insurance for sports cars.

Unfortunately, this means that you will pay a little more for your insurance because everyone in the risk pool is considered a high-risk driver because of the type of car that they drive.

No matter where you are looking for cheap, high-performance car insurance, you can find your cheapest options by using a free quote tool. Quote tools are the easiest way to find low prices on any car insurance.

With our quote tool, you can find auto insurance quotes from some of the best providers in your area. Enter your ZIP code below to start comparing auto insurance rates today!

Free Car Insurance Comparison

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

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