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Insurance for modified cars

Get custom car insurance for your kit car, replica, or street rod.

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How much your vehicle is modified and its types of modifications determine whether it fits our program.

What classifies as a modified vehicle?

Significant performance increases
Structural alterations to body/chassis/frame
Custom paint job worth $10,000 or more

A close-up of a yellow collector vehicle with a green custom paint job — Custom paint job

A modified red collector vehicle — Vehicle modification

A red and white collector vehicle with an enhanced engine. — Engine enhancement

Insuring kit cars and replicas

Replicas or reproductions should duplicate vehicles that are no longer in production, such as the 1950s Porsche Speedster and the 1920s Mercedes Benz Roadster. The quality of construction for these vehicles can vary significantly, so we take a close look prior to offering insurance.

A replica of a 1980 Shay Model A, with trees in the background. — 1980 Shay Model A

A replica of a cream 1955 Porsche Speedster, with other vehicles in the background. — 1955 Porsche Speedster

A replica of a white 2003 Auburn Speedster, parked in front of a fence. — 2003 Auburn Speedster

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Policies underwritten by Essentia Insurance Company. Hagerty determines final risk acceptance. Some coverage not available in all states. This is a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements.