Buying Kit Car Insurance

Kit car insurance covers kit cars that are built by the owner and is not based on a make or model. Kit car insurance can be purchased through most specialty insurers.

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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®

UPDATED: Jan 21, 2021

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Here's what you need to know...

  • Kit cars are cars that the owner actually builds him or herself
  • Insurance for a kit car is different from traditional car insurance
  • The major difference between traditional insurance and kit car insurance is that an insurance policy is not based on the make and model of your vehicle

A kit car is an automobile that is made available in “kit form.” You can buy kit car insurance through any specialty insurer or traditional insurer that offers this specific coverage.

That means that the owner does not buy a full vehicle but instead buys a set of parts. From this “kit”, the owner assembles the vehicle. More importantly, he/she builds a custom vehicle, specified down to every last detail.

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What is a Kit Car?


A kit car is a car that’s built by the policyholder. The pieces for the car come in a kit and the policyholder assembles them. It is basically a real-life model car that you can really drive.

The amount of time that goes into building a kit car depends on the kit itself but is usually pretty extensive. Since so much time and money goes into these cars, having the right type of insurance for them is very important.

In most cases, important engine parts are actually taken from several vehicle types. The kit may vary in complexity. The original idea of a kit car dates back to the year 1896.

Insurance for a kit car is handled a bit differently than it would be for a standard Ford or Toyota model.

If you are creating a car from scratch, or are in the process of rebuilding a car, look up insurance companies that specifically work with kit cars.

You will need insurance from the very beginning of the project, even before you assemble the car. Insurance is available for completed cars as well as cars sentenced to stay in a garage for a few years.

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Differences Between Traditional Insurance and Kit Car Insurance

It is important to note that kit car insurance is not as flexible as traditional car insurance. For example, some insurance policies require that owners not drive the vehicle in excess of a given mileage within a year’s time.

This limitation could be anywhere from 2,500 to 5,000 miles a year. Once you exceed the mileage, you would no longer be covered by the policy.

How do you proceed to order kit car insurance today? First, start by identifying a company that specifically cites kit car insurance options. Once you find a company you can work with you will want to do some preliminary research.

You can choose to start the policy as soon as you begin collecting parts or perhaps get your plans and parts appraised. When the vehicle is completed, you must then get your completed car appraised.

Special Considerations for Kit Car Policies

After determining which features are best for your vehicle, get quotes from different auto insurance providers. Even if you find a company you can work with, you should continue to reevaluate the contract, ensuring that you are getting standard market kit premiums or less.

When it comes to saving money for the month, it may be advisable to lower your deductible. This allows you minimize your out-of-pocket expenses if someone else hits you.

Since you’re dealing with delicate and expensive parts, a lower deductible policy may be a pricier option to consider.

Usually, car owners who have kit cars have adoration for the vehicle. The car owner builds the car piece by piece and lovingly works long hours to restore his/her “baby.”

The owner attempts to drive carefully and responsibly. Paying high prices for kit car insurance may come with the territory since individual parts may have to be specially ordered and reinstallation can be a headache.

The major difference between traditional insurance and kit car insurance is that an insurance policy is not based on the make and model of your vehicle. It is based on the money you put into the restoration and the estimated value of each part.

How should I find the right car insurance provider for my kit car?


The first thing someone who is building a kit car should do is call the insurance provider they use to see if they offer some type of specialty kit car insurance.

Once the policyholder knows if their present insurer has a kit car policy, they should get a quote from them. It is also important to look at companies that deal exclusively in this type of specialty car insurance.

They should call these insurance providers and ask more specific questions like how long the company has been in business and how long they have dealt with this type of insurance.

After finding the right policy for their kit car the policyholder should also invest in making their kit car as safe as possible. Investing in a storage space, garage, or anti-theft device is the best ways to protect against car thieves.

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