Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Sep 28, 2021

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The Short of It

  • Not every upgrade made to your car will be covered by a standard auto insurance policy
  • Drivers can find companies that offer modified auto insurance online
  • Always make sure any work you’ve done to your vehicle is covered by your insurance company

Whether you’re giving your car a custom look or adding equipment to improve your ride, you should be on the lookout for affordable auto insurance companies that insure modified cars.

If you were to buy auto insurance from auto insurance companies that don’t insure modified cars, you would find that your vehicle may not be properly protected.

Unlike a standard auto policy, modified auto insurance can offer you the auto insurance coverage you need for all the aftermarket parts and upgrades you’ve put into your vehicle.

Now, while digging up a rare part for your car can prove to be a challenge, getting auto insurance quotes from auto insurance companies that insure modified cars is easy.

Enter your ZIP code to get free quotes from auto insurance companies that insure modified cars in your city.

What auto insurance companies that insure modified cars?

Thankfully, there’s no need to waste your time searching “GEICO modified auto insurance” or “State Farm modified auto insurance.”

We know you’re searching for the best insurance for modified cars, so to simplify your search, auto insurance companies that insure modified cars are conveniently listed here for you:

  • Allstate
  • Esurance
  • Grundy
  • Hagerty
  • Nationwide
  • Progressive
  • Safeco

Let’s take a closer look at these companies so you can see what each one has to offer and compare auto insurance rates from auto insurance companies that insure modified cars.


Allstate is one of the biggest names in the insurance marketplace, and if you like working with classic cars, you’re in luck. Allstate has insurance available for classic vehicles that are over 25 years old. You could get insurance with this company for as low as $65 per month.


With Esurance, you could get coverage for only $19 per month. Even better, you’ll be able to access up to $4,000 in coverage for aftermarket parts and customization work with this company. Bear in mind, adding to your coverage may raise your rates.


This company is unique because it is one of a small batch of insurance companies that specialize in insuring classic and custom cars. It’s possible to get coverage with this company for just $41 per month.


Like Grundy, Hagerty focuses on providing insurance coverage to the owners of classic and modified cars. Hagerty may not be the cheapest insurance company, as it offers coverage starting at $100 per month; however, it also has $0 deductibles available.


Nationwide is another very well-known insurance company, and it offers agreed-value policies to its applicants, which can be quite helpful.

With this type of policy, you and the insurance company discuss all the improvements and updates you’ve made to your vehicle to find a value for your car you both agree on. You may be able to insure your car for about $100 per month with Nationwide.


With Progressive, you can get insurance for as low as $54 per month and have $1,000 included in coverage for your car modifications. If you made more changes to your vehicle, you can always update your policy to add an extra $5,000 in coverage.


Like Nationwide, Safeco offers agree-value policies. It also provides coverage for classic cars. Safeco offers insurance coverage starting at just $10 per month.

Compare Quotes From Top Companies and Save

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What is considered a modified car?

An insurance company will consider your vehicle to be modified if it has:

  • One of a kind bodywork
  • Functional upgrades
  • Improved performance

To be more specific, if you were to tint your windows, add a roof rack, or install Bluetooth technology into your vehicle, you would have a modified vehicle. Those are of course just a few examples of modifications that can be made to your car.

Whenever you make a change to your car, no matter how minor you may consider it to be, you should alert your insurance company and make sure the work you’ve put into your car is protected.

Who needs modified auto insurance?

When trying to determine if you need modified auto insurance, it is important to consider how much you have invested in your vehicle.

If you have put time and money, even a modest amount, into making improvements to your ride, you should most likely buy modified auto insurance.

This is especially true since there are some modifications that aren’t covered by a standard auto policy.

In fact, some auto insurance companies will only provide coverage for the original equipment included by the manufacturer (OEM) even if you have full coverage.

Of course, every insurance company is different so be sure to talk to your insurance company to verify what is and what isn’t covered in your policy.

Auto Insurance Companies That Cover Modified Cars: What You Need to Know

Protect the work you’ve put into your car by making sure it is adequately covered by a modified auto insurance policy. You can find companies that will offer a policy unique to your vehicle based upon the updates you’ve made to it through the use of agreed-value policies.

Since a standard policy may not provide the coverage you need to protect the investments you’ve made in your vehicle, don’t wait to find modified auto insurance.

Enter your ZIP code to get free rates from auto insurance companies that insure modified cars today.