Young man driving a convertible sports car on a summer day.

Insurance for your sports car

Don’t let insurance curb the fun of driving your sports car.

Sports cars have a tendency to be more expensive to protect, but it’s possible to put the brakes on higher cost sports car insurance if you choose to bundle your existing home and auto insurance with insurance for your sports car.

What vehicles are considered sports cars?

Vehicles with higher horsepower tend to fall into the category of sports cars. Typically, these cars have two doors, sit closer to the ground and usually have two seats. There are also different varieties of sports cars, such as the traditional sporty vehicles like Chevrolet Camaros or Corvettes, Dodge Challengers or Toyota Supras, and higher-end vehicles like Lamborghini, Ferrari and Porsche.

Not all fast cars are considered sports cars. It’s more than just speed that matters. Here are some additional characteristics that sports cars share:

  • Engine size
  • Number of cylinders
  • Height
  • Weight
  • Horsepower

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Is insurance on a sports car more costly?

It can be. With all the technology that goes into sports cars, they’re not the most economical cars you can drive. Here are a few reasons why:

  • Powerful engines may encourage some people to drive faster, increasing the risk of a speeding ticket or accident. This could result in an increased rate for the individual.
  • High-performance parts may be more difficult to replace since they aren’t mass-produced.
  • Some sports cars have a higher theft rate, including convertibles which may be more accessible.
  • If the car is damaged or totaled, it will be more costly to repair or replace since replacements are harder to come by.

Making sports car insurance less expensive

While insuring your sports car can be more expensive than insuring other kinds of cars, you may be able to lower your costs while maintaining the coverage you want. Here are some tips to consider that may help you lower the cost:

Have more questions about vehicle insurance?

Here are some additional resources to help you make the best decision when insuring your vehicles:

Customers may always choose to purchase only one policy, but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability and eligibility may vary by state.

The information in this article was obtained from various sources not associated with State Farm® (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates). While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. State Farm is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third-party sites that might be hyperlinked from this page. The information is not intended to replace manuals, instructions or information provided by a manufacturer or the advice of a qualified professional, or to affect coverage under any applicable insurance policy. These suggestions are not a complete list of every loss control measure. State Farm makes no guarantees of results from use of this information.

State Farm Mutual Automobile Insurance Company

State Farm Indemnity Company
Bloomington, IL

State Farm County Mutual Insurance Company of Texas
Richardson, TX

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