Muscle Car Insurance

Muscle car insurance likely won't be covered by regular liability. Additional collector's car insurance policies like collision will guarantee your muscle car is fully insured and is typically $49.66/mo.

Free Car Insurance Comparison

secured lock Secured with SHA-256 Encryption

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.

Full Bio →

Written by Laura Berry
Former Insurance Agent Laura Berry

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: May 4, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you should know...

  • Muscle cars are high-performance vehicles popularized during the 1970s
  • Regular liability probably won’t be enough to fully cover the cost of your muscle car
  • Collision, comprehensive, and other additional collector’s car insurance policies will guarantee that your investment is fully insured

If you have a muscle car then simple and basic car insurance may not be sufficient coverage. You need to protect your muscle car.

High-performance cars were deemed muscle cars back in the 1970s. While muscle cars were available at a reasonable price to the general public, they require good insurance to protect the owner’s financial investment.

Liability alone will not protect your muscle car. You need collision and comprehensive and you may want additional coverage beyond that, which is generally $49.66/mo.

Insurance quotes are available online now just by entering your zip code.

Muscle Car Insurance: What are muscle cars?


Muscle cars are typically mid-sized cars with a V8 engine. Unlike their more expensive counterparts, muscle cars were intended to be generally affordable cars with the ability to go fast.

As high-performance cars evolved, some full-size cars were able to get classified as muscle cars. Additionally, when some compact cars rolled out with high-performance engines they were considered muscle cars as well.

Some high-performance cars cannot be counted as muscle cars because they are either too expensive or too unique. Muscle cars are intended to be for the everyday driver.

An example of a mid-sized muscle car is the Dodge Charger R/T version. The Pontiac Firebird is a compact muscle car, but only if it has a 400+ cid engine. For a full-size muscle car, check out the Chevy Impala SS.

Cars that do not count as muscle cars include:

Some cars that are classics may be misconstrued as muscle cars, such as the Ford Thunderbird or the Chevy Monte Carlo. These vehicles will require classic car insurance.

Free Car Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

The Muscle Car Insurance Debate

Are muscle cars expensive to insure? While muscle cars were intended to be affordable, high-performance cars that were based on production models, they are viewed differently by many car insurance companies.

Insurance companies see the speed factor and the potential theft factor when they look at muscle cars.

Most owners keep their muscle cars in pristine condition and they are frequently sought after, making them more valuable. This mental conditioning tends to boost car insurance premiums.

Rare muscle cars that are in excellent shape that date back to the seventies are classics that may appear in car shows. These types of cars may need additional insurance beyond the typical total coverage.

If you are buying a muscle car for general driving, then you should only need to pay for liability and, of course, collision and comprehensive coverage to pay for any damages that may occur to your car.

However, insurance companies may charge more for your high powered car, so you should shop around to make sure you are getting the best rate.

Muscle Car Insurance: Types of Insurance


Determining the types of insurance you need to protect your muscle car is imperative. In order to legally drive your muscle car, you need to buy liability insurance for it.

This insurance will cover bodily injury and property damage for which you are liable. Unfortunately, if you only have liability and you are responsible for an accident, your car will not be covered unless you have collision insurance.

If your car has any market value at all, you need collision insurance and comprehensive insurance.

  • Collision insurance will pay for the damages to your car from an accident
  • Comprehensive insurance will pay for your car damages that result from non-vehicular accident related incidents

Classic car insurance is available for collector cars, classic cars, and even muscle cars that you may be showing. Collector car insurance can offer you maximum coverage for the value of your muscle car.

It can also save you money if you do not need liability or collision insurance if you are not actually driving your car.

All other insurance components that are optional can be added to your muscle car insurance rates as needed. Uninsured motorist and underinsured motorist coverage are common additions, as is rental and towing.

Rather than take a chance on driving your muscle car without sufficient coverage, shop around for different quotes from car insurance providers. If you are driving your muscle car as your everyday car then there is no reason you cannot have everyday insurance for it.

Car insurance quotes do take the make and model of a car into consideration when they quote a premium, but they also look at a number of other factors, including:

  • your age
  • where you live
  • your marital status
  • your driving record

Don’t get penalized for having a muscle car. Insurance rates are competitive and free car insurance quotes are available right now just by entering your zip code!

Free Car Insurance Comparison

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

secured lock Secured with SHA-256 Encryption