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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Oct 19, 2021

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The Short of It

  • The top auto insurance companies that allow modifications are Progressive and Esurance
  • Modified cars have been altered to look, drive, or feel differently than the standards set by the manufacturer
  • Some car modifications may lead to auto insurance discounts

If you’ve modified your vehicle, the top auto insurance companies that allow modifications are Progressive and Esurance.

Below, learn what providers offer insurance for modified cars, including custom parts and equipment coverage.

After reading about auto insurance quotes from companies that allow modifications, remember to enter your ZIP code into our free tool above to compare rates from reputable providers near you.

What are the best auto insurance companies that allow modifications?

You need modified auto insurance if you want the changes you’ve made to your vehicle to be covered by your auto insurance policy.

The best auto insurance company that allows modifications to vehicles is Progressive Auto Insurance Company.

Progressive automatically offers up to $1,000 in modification coverage in its collision and comprehensive policies, which is very uncommon.

However, if you need higher coverage limits, then look into Esurance Auto Insurance Company.

The company offers a policy add-on with limits reaching $4,000 for aftermarket and customized parts.

Allstate Auto Insurance Company is a strong option for classic cars that have been modified, as long as the vehicle is over 25-years-old.

Similarly, Safeco Auto Insurance Company also offers insurance for classic cars but with agreed-value policies to accommodate modifications.

Other affordable auto insurance companies that allow modifications to cars or specialize in classic car coverage include:

However, you may only find affordable auto insurance companies that don’t allow modifications depending on where you live.

Ultimately, the best way to buy auto insurance from companies that allow modifications is to comparison shop.

Request quotes from multiple providers and pick the policy that fits your budget without compromising your coverage needs.

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What is a modified vehicle?

A modified vehicle has been changed from the original factory specifications.

Often, the modifications increase functionality, general aesthetics, or performance.

Does auto insurance cover modifications automatically? No, usually, any updates you’ve made to your car are not part of your traditional auto insurance coverage.

Common vehicle modifications include:

  • Anti-roll and anti-sway bars
  • Changes to the body, engine, exhaust, or suspension
  • Custom wheels, paint jobs, or grills
  • Special carpeting or insulation
  • Stereo equipment
  • Wi-Fi
  • Winches

Not all car modifications are optional. Some people with disabilities, for example, require functional alterations to their vehicles for ease of use.

According to the National Highway Traffic Safety Administration (NHTSA), new vehicles with adaptive equipment can cost up to $80,000.

Modifications for mobility include:

  • Amputee rigs
  • Floor-mounted steering
  • Left-foot accelerator pedals
  • Modified-effort steering wheels
  • Pedal extenders
  • Push-pull hand controls
  • Siren detectors for the deaf and hard of hearing
  • Steering cuffs
  • Wheelchair-adjustable seats or seat belts

Unfortunately, most providers view all vehicle modifications the same way, even if yours are required for functionality.

So even though companies cannot deny coverage to a driver simply because they’re disability status, the provider can charge you higher rates for a heavily modded car.

Your best option is to inform your insurance company about any changes you make to your car.

Otherwise, if you get into an accident, those parts will not be covered by your policy.

Similarly, if you buy a car that has already been modified, be honest with your insurance company about your vehicle’s features.

Typically, modifications not covered by auto insurance include accessories not permanently attached to your car, like subwoofers.

But if you’ve never altered your car, then you can buy auto insurance from companies that don’t allow modifications, and it will not impact you in any way.

Will car modifications increase my auto insurance rates?

How do modifications affect auto insurance? Usually, modding your vehicle leads to an increase in your insurance rates.

One reason for this is because the parts are unique, so replacing and repairing them costs your insurance company more money.

Some companies believe drivers of modified vehicles are more likely to file claims, primarily because of your increased risk of auto theft since your car stands out.

Finally, high-performance modifications actually increase your accident risk. That higher-risk level means higher auto insurance costs.

Fortunately, some car modifications lead to insurance discounts. For example, installing anti-theft devices or specific safety technology may help you earn stackable savings.

What modifications affect auto insurance rates positively? Safety and security mods that reduce auto insurance costs include:

  • Accident sensors
  • Anti-theft devices
  • Blindspot detectors
  • Rearview cameras
  • Updates airbags
  • Updated seat belts

Not all companies offer the same discounts, so check with your provider to see what’s available to you. Otherwise, shop around for better coverage.

Ultimately, auto insurance rates from companies that don’t allow modifications sometimes cost less because the policy literally covers less damage. So be prepared to spend a little more to protect your altered car.

How do you buy modified auto insurance?

To buy modified auto insurance, add it to your auto policy if your current provider offers it. You can do this by contacting your agent.

However, comprehensive and collision coverage is not the same as modified vehicle insurance.

Typically, comprehensive and collision policies only apply to the factory model of your vehicle.

Instead, insurance companies offer policy add-on’s that cover your modified vehicle parts. It may also be called parts and equipment coverage or something similar.

Usually, these policy endorsements have coverage limits of around $5,000.

Some providers also offer policies for custom cars that are not used daily, like Nationwide. Depending on the age of your vehicle and its mileage, it may also qualify for classic car coverage.

You might also consider investing in an agreed value policy, especially if you have a good relationship with your insurer.

To do this, your insurer negotiates a pre-agreed upon value for your vehicle reflecting the mods you’ve made that you’ll receive in case of a total loss.

Just be aware that these policies take longer to underwrite and are usually more expensive.

Finally, if you currently use an auto insurance company that doesn’t allow modifications at all, then shop around for coverage.

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Auto Insurance Companies That Allow Modifications: The Bottom Line

If you’ve made changes to your vehicle, avoid auto insurance quotes from companies that don’t allow modifications.

Look for a provider that offers specific coverage add-ons to best protect your vehicle modifications in case of an accident, like Esurance and Progressive.

Now that you’ve compared auto insurance rates from companies that allow modifications, find the best provider for you by entering your ZIP code into our free quote tool below.