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: May 20, 2020

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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.

Table of Contents

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.

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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!