Best Track Day Car Insurance in 2024 (Top 10 Companies)
State Farm, USAA, and Allstate are the top overall picks for the best track day car insurance. Enjoy discounts of up to 30% on tailored coverage options. These leading companies provide comprehensive protection for your track event, ensuring peace of mind while you pursue your passion for high-speed driving.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: May 5, 2024
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UPDATED: May 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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11,413 reviewsState Farm emerges as the top pick overall among the best track day car insurance, closely followed by USAA and Allstate. When you need to get car insurance fast, these providers offer tailored coverage options and exceptional service, ensuring optimal protection for your high-speed pursuits.
From comprehensive policies to innovative solutions, they cater to the diverse needs of track enthusiasts, providing peace of mind both on and off the race track.
Our Top 10 Company Picks: Best Track Day Car Insurance
| Company | Rank | Multi-Policy Discount | Low-Mileage Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | 30% | Many Discounts | State Farm |
 | #2 | 10% | 30% | Military Savings | USAA |
 | #3 | 25% | 30% | Add-on Coverages | Allstate |
 | #4 | 10% | 30% | Online Convenience | Progressive |
 | #5 | 15% | 20% | Usage Discount | Nationwide |
 | #6 | 15% | 25% | Student Savings | American Family |
 | #7 | 5% | 20% | Local Agents | Farmers |
 | #8 | 25% | 30% | Customizable Polices | Liberty Mutual |
 | #9 | 13% | 10% | Accident Forgiveness | Travelers |
 | #10 | 5% | 20% | Deductible Reduction | The Hartford |
Car enthusiasts have a challenge when it comes to acquiring the right insurance cover for a track day event. Many car insurance providers do not include the track day coverage on their standard auto insurance policy while others offer no guarantee of the payment of their claims.
The insurance policies for the track day events are higher in most companies, but you would not risk getting on track without the proper coverage for your vehicle.
In most cases, the insurance companies do not provide liability coverage and third-party coverage for damages to another car. If you are looking to participate in a track event soon and need auto insurance, start comparison shopping today by entering your ZIP code above!
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#1 – State Farm: Top Overall Pick
Pros
- Extensive Coverage Options: State Farm provides a wide range of coverage options, allowing customers to tailor policies to their specific needs.
- Strong Financial Stability: In our State Farm car insurance review, we highlight the company’s robust financial standing, offering reassurance to policyholders that claims are handled efficiently.
- Discount Opportunities: State Farm offers various discounts, such as multi-policy and safe driving discounts, helping customers save on premiums.
Cons
- Higher Premiums for Some: While offering comprehensive coverage, State Farm’s premiums may be comparatively higher for certain demographics.
- Limited Online Tools: State Farm’s online tools and mobile app are somewhat limited, potentially impacting the digital experience for tech-savvy users.
#2 – USAA: Best for Exceptional Service
Pros
- Excellent Customer Service: USAA consistently receives high marks for its customer service, providing personalized assistance and efficient claims processing.
- Competitive Rates: Within the USAA car insurance review, we underscore the company’s inclination to provide competitive rates, especially tailored for military members and their families.
- Financial Strength: With a strong financial standing, USAA instills confidence in its ability to fulfill claims promptly.
Cons
- Membership Restrictions: USAA membership is limited to military personnel and their families, excluding a broader customer base.
- Limited Physical Presence: USAA lacks a widespread physical presence, which may be a drawback for those who prefer in-person interactions.
#3 – Allstate: Best for Innovative Coverage
Pros
- Innovative Coverage Options: Allstate stands out for its innovative coverage options, including features like accident forgiveness and deductible rewards.
- User-Friendly Digital Tools: Our Allstate car insurance review highlights the user-friendly tools provided by the company’s online platform and mobile app for managing policies and filing claims.
- Discount Opportunities: Allstate offers various discounts, such as the Safe Driving Bonus and bundling discounts, allowing customers to save on premiums.
Cons
- Higher Premiums for Some: Allstate’s premiums can be on the higher side, particularly for individuals with certain risk factors.
- Mixed Customer Service Reviews: While some customers praise Allstate’s customer service, others report mixed experiences, pointing to room for improvement.
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#4 – Progressive: Best for Personalized Pricing
Pros
- Snapshot Program: Progressive’s Snapshot program offers potential discounts based on driving behavior, providing a personalized approach to pricing.
- Name Your Price Tool: The innovative “Name Your Price” tool allows customers to customize their coverage based on budget constraints.
- Discount Variety: In the Progressive car insurance review, you’ll find a variety of discounts, including multi-policy and safe driver discounts, providing opportunities for savings.
Cons
- Higher Premiums for High-Risk Drivers: Progressive’s premiums for high-risk drivers may be higher than some competitors, impacting affordability.
- Limited Local Agents: While Progressive offers online and phone support, the availability of local agents may be limited, affecting in-person assistance.
#5 – Nationwide: Best for Strong Financial Standing
Pros
- Vanishing Deductible Program: Nationwide’s Vanishing Deductible program rewards safe driving by reducing deductibles over time.
- Multi-Policy Discounts: Nationwide car insurance discounts highlight significant savings for policyholders who bundle home and auto insurance, making it a cost-effective option.
- Strong Financial Standing: With a solid financial foundation, Nationwide provides assurance that claims will be met even in challenging circumstances.
Cons
- Coverage Limitations: Some customers find that Nationwide’s coverage options may not be as extensive as those offered by other insurers.
- Mixed Customer Service Reviews: While many customers praise Nationwide’s customer service, some report less positive experiences, indicating room for improvement.
#6 – American Family: Best for Bundling Discounts
Pros
- Excellent Customer Service: American Family is known for its outstanding customer service, with helpful agents and efficient claims processing.
- Bundling Discounts: Our American Family car insurance review, we highlight the company offers attractive discounts for bundling multiple insurance policies, making it a cost-effective option.
- Innovative Coverage Options: The insurer provides innovative coverage options, including coverage for a wide range of vehicles and personal property.
Cons
- Limited Regional Availability: American Family operates primarily in specific regions, limiting accessibility for customers in other areas.
- Less Robust Online Tools: The online platform and mobile app may be less advanced compared to some competitors, impacting the digital experience.
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#7 – Farmers: Best for Strong Financial Stability
Pros
- Diverse Coverage Options: Farmers Insurance provides a diverse range of coverage options, allowing customers to tailor policies to their specific needs.
- Discount Opportunities: Farmers offers various discounts, including multi-policy and safe driver discounts, enhancing affordability for policyholders.
- Strong Financial Stability: Within our Farmers car insurance review underscores the company’s robust financial standing, ensuring the ability to handle claims efficiently and reliably.
Cons
- Potentially Higher Premiums: Some customers report that Farmers’ premiums may be higher compared to other insurers, impacting overall affordability.
- Mixed Customer Service Reviews: While many customers have positive experiences with Farmers’ customer service, others report occasional challenges and communication issues.
#8 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Policies: Liberty Mutual car insurance review highlights how customers can customize their policies, offering flexibility to meet individual coverage needs.
- Online Policy Management: The insurer offers a user-friendly online platform and mobile app for convenient policy management and claims filing.
- Multi-Policy Discounts: Liberty Mutual provides significant discounts for bundling home and auto insurance, enhancing overall affordability.
Cons
- Potentially Higher Premiums: Liberty Mutual’s premiums may be on the higher side for certain demographics, impacting overall affordability.
- Coverage Limitations: Some customers find that Liberty Mutual’s coverage options may not be as extensive as those offered by other insurers.
#9 – Travelers: Best for Innovative Risk Management
Pros
- Multi-Policy Discounts: Travelers Insurance offers substantial discounts for bundling multiple insurance policies, making it cost-effective for policyholders.
- Strong Financial Stability: Travelers car insurance review underscores the company’s robust financial standing, offering reassurance that claims will be honored even in difficult situations.
- Innovative Risk Management: Travelers employs innovative risk management strategies, potentially leading to more favorable rates for certain policyholders.
Cons
- Mixed Customer Service Reviews: While many customers praise Travelers’ customer service, some report less positive experiences, indicating room for improvement.
- Potentially Higher Premiums: Travelers’ premiums may be on the higher side for certain demographics, impacting overall affordability.
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#10 – The Hartford: Best for Specialized AARP Partnership
Pros
- AARP Partnership: Hartford’s partnership with AARP provides tailored insurance options for seniors, offering specialized coverage and discounts.
- Discount Opportunities: The Hartford car insurance discounts include various discounts, such as safe driver and bundling discounts, enhancing affordability for policyholders.
- Strong Customer Service: The insurer is known for its strong customer service, with helpful agents and efficient claims processing.
Cons
- Limited Availability: Hartford’s availability may be limited to certain demographics, excluding potential customers in other areas.
- Potentially Higher Premiums: Some customers report that Hartford’s premiums may be higher compared to other insurers, impacting overall affordability.
Exploring Coverage Options for Track Days
Insurance companies cover the repair or replacement of an insured car taking part in a track day event. Track day policies are different from one company to another depending on the information indicated on their clauses.
Track Day Car Insurance: Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $65 | $177 |
| American National | $48 | $184 |
| Farmers | $56 | $152 |
| Liberty Mutual | $62 | $196 |
| Nationwide | $66 | $168 |
| Progressive | $48 | $141 |
| State Farm | $84 | $158 |
| The Hartford | $79 | $164 |
| Travelers | $69 | $178 |
| USAA | $48 | $145 |
For those seeking minimum coverage during track days, State Farm stands at $84, USAA at $48, and Allstate at $65 per month. Moving towards full coverage, State Farm offers it at $158, USAA at $145, and Allstate at $177. The spectrum widens with Progressive providing minimum coverage at $48 and full coverage at $141.
Nationwide caters to minimum coverage seekers at $66, with full coverage available at $168. American National offers minimum coverage at $48 and full coverage at $184. Farmers stands at $56 for minimum coverage and $152 for full coverage, while Liberty Mutual provides minimum coverage at $62 and full coverage at $196.
Travelers caters to those seeking minimum coverage at $69, and full coverage at $178. Hartford offers minimum coverage at $79 and full coverage at $164, providing a diverse range of options to suit varying needs.
State Farm emerges as the top choice for track day insurance, offering tailored coverage options, competitive rates, and a commitment to meeting diverse customer profiles.
Brad Larson Licensed Insurance Agent
Other items that they may cover besides the accidental damage include fires following an accident, destruction of the bad engines, and modifications to the vehicles.
Few insurance providers include the coverage for track events on the personal insurance policy while others provide the track day coverage independently.
Therefore, conducting a track day insurance comparison among different companies is crucial to understand the varying costs and services they provide.
Some companies may exclude the coverage for damage to:
- The engine
- Brake pads
- Fluids
- Towing
- Modifications from the track day insurance policy
Other instances when you may not get track day coverage include when you use your car in a race, competition, or arena. The track day insurance provider assumes that you will be purchasing a cover for the time the car is on the racetrack.
Therefore, you will need to inform the broker or insurer of your intentions to cover a track event lest you risk denial of compensation while making a claim. It’s important to note that track day insurance is typically designed for track events and may not extend to other activities such as road trips or race car usage.
Factors Determining Your Coverage Status
Before the track day event, a driver may take part in simple instructions known as a “drivers’ education” event.
Some insurers will repay you for an accident which occurs at such a time, but that depends on how the driver and instructor answer the questions from an insurance adjuster.
The presence of an instructor on the vehicle during commercial safe driving courses, where speeds do not exceed 100kph, increases the chances of obtaining coverage and helps determine your coverage status.
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The Insurance Terms
Some insurance policies explicitly refuse coverage for any accident happening on a racetrack. Therefore, it is important to go through the clause or seek help from an insurance agent. Remember that an insurance agent may not have a clear understanding of the insurance policies in a particular company and may end up giving you general information.
Insurance coverage may be unavailable if the instructor characterizes the event as a competition or mentions racing to an adjuster. Additionally, securing coverage can be challenging for heavily modified cars with enhancements like full slicks and roll-cages.
Some insurers, however, may offer an Agreed Valuation clause for protection. Timing of events is crucial, as insurance typically doesn’t cover accidents if organizers time drivers, making it a risky endeavor.
Securing Car Insurance for Track Days
Getting insurance coverage for the track day is very simple and fast for the standard cars.
However, it is ideal to obtain the coverage two to three days before the track day to avoid any inconveniences and allow the insurers to finalize the paperwork. You need to identify the day that the competition will take place before completing an online application.
You will then make the payment, after which the insurance company will send you the policy instantly to your email address.
A policyholder should consider giving the insurer a call if they need more exceptions added to their coverage. They should also contact the insurance company in case of changes on the track day.
Obtaining Track Day Car Insurance
Insurance for track days is higher with most insurance companies, but some companies, including Geico and State Farm, offer track day insurance. However, you can also explore options with smaller car insurance companies for this kind of protection.
Therefore, it is crucial to seek out affordable options with attractive rates online or enlist the assistance of an experienced insurance broker who can facilitate finding cheap track day insurance.
Some insurers use the total value of the car to calculate their premiums.
In this case, they may charge 0.6 percent to one percent of the total value, our source reports.
Other factors that influence insurance rates are:
- The Circuit: If a particular course reported very low incidences in the previous track day events, then anyone participating in the race might obtain a lower insurance rate.
- Additional Drivers: Some drivers have had a record of causing more accidents. Therefore, the inclusion of other drivers on your policy may lead to a great increase in your premiums.
- Age: Just like the other insurance policies, age plays a crucial role while determining the ideal coverage for the track day.
- The Model of the Car: The expensive, fast, and exotic cars may have higher premiums than the standard car.
When securing track day car insurance, consider factors like the circuit’s safety record, additional drivers, age, and car model. Explore options from insurers like Geico and State Farm, as well as smaller companies, to find affordable coverage. Consulting insurance brokers can also be beneficial in this process.
Remember, thorough research and consideration of your specific needs are key to securing the right track day car insurance.
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Understanding Track Day Insurance
Some insurance companies do not cover the driver or any other passenger on the vehicle. Therefore, you should ask whether they include liability insurance and their limits while shopping for an ideal cover.
You should also consider checking other requirements from the insurance provider such as the overall state of the car. You should identify the coverage you need to lower your rates.
Remember, getting insurance coverage is not a license to drive recklessly since some mistakes are very costly to insure.
The best thing about this type of policy is that it’s customizable. You can pay the insurance premiums for your first day, and then not use it for the next race. You can buy track insurance for cars for 6, 9, or 12 days and get a discount on the per-day cost.
Case Studies: Tailored Track Day Insurance Scenarios
Exploring real-life scenarios can shed light on the effectiveness of various insurance providers in catering to specific needs. Here, we delve into three case studies showcasing how State Farm, USAA, and Allstate offer tailored solutions for different types of track day enthusiasts.
- Case Study #1 – Tailored Coverage for Low-Risk Drivers: John, a State Farm policyholder, benefits from tailored coverage designed for low-risk drivers. State Farm offers competitive rates and comprehensive coverage options, ensuring John’s track day events are adequately protected while maintaining affordability.
- Case Study #2 – Military-Focused Service Excellence: Emily, a passionate track day enthusiast and USAA member, experiences exceptional service tailored to military personnel. USAA’s specialized coverage for military families provides Emily with peace of mind during her track events.
- Case Study #3 – Innovative Protection for High-Performance Vehicles: Mark, an avid car enthusiast with a high-performance vehicle, finds the ideal coverage with Allstate’s innovative solutions. Allstate’s comprehensive coverage ensures Mark’s high-performance car is adequately protected during track days.
These case studies highlight how State Farm, USAA, and Allstate go above and beyond to meet the diverse needs of track day enthusiasts. Whether it’s tailored coverage for low-risk drivers, military-focused service excellence, or innovative protection for high-performance vehicles, these providers showcase their commitment to ensuring peace of mind during track day events.
State Farm leads the pack in track day insurance, boasting tailored coverage, competitive rates, and a commitment to customer satisfaction with a remarkable 92% approval rating.
Tracey L. Wells Licensed Insurance Agent & Agency Owner
Consider your own insurance needs for track day events or other specialized situations, these case studies offer valuable insights into how different providers approach coverage. Whether you prioritize affordability, specialized service, or innovative solutions, there’s a provider out there ready to meet your needs and ensure you can enjoy your track day experiences with confidence.
Track Day Insurance Essentials: Safeguarding High-Speed Adventures
Safeguarding your track day adventures, particularly with a high-performance vehicle, necessitates the right insurance coverage, ensuring peace of mind and protection from potential risks. Understanding track day insurance nuances, such as coverage options and rates, is crucial for enthusiasts.
The track insurance cost fluctuates depending on variables such as the frequency of track events and the type of vehicle. Customizing insurance to individual requirements ensures thorough coverage during track day experiences, promoting confidence and enjoyment.
If you are looking to insure your car before a track event, start comparing auto insurance rates by entering your ZIP code below!
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Frequently Asked Questions
What is State Farm track day insurance, and how does it differ from regular auto insurance?
State Farm track day insurance is specialized coverage designed for enthusiasts who participate in track events. Unlike regular auto insurance, it provides coverage specifically tailored to the unique risks associated with track days, offering peace of mind during high-speed pursuits.
For more in-depth understanding, refer to our extensive handbook named “Direct Auto Car Insurance Review” for additional insights.
How can I get a track day insurance quote?
You can obtain a track day insurance quote by contacting insurance providers like Geico, Progressive, or specialized track day insurance companies directly. They will assess your needs and provide a quote based on factors such as event frequency, vehicle type, and coverage preferences.
Get the minimum car insurance coverage you need to drive legally by entering your ZIP code into our free quote comparison tool below.
Where can I find the cheapest track day insurance?
While State Farm, Geico, and Progressive offer track day insurance, smaller insurance companies may provide more affordable options. It’s advisable to compare quotes from multiple providers to find the cheapest track day insurance that meets your requirements.
For further insights, delve into our extensive guide on business vehicle insurance entitled “How do you compare multiple car insurance quotes online?” where you can find valuable information.
How does track day insurance compare to regular car insurance?
Track day insurance differs from regular car insurance in that it provides coverage specifically for track events, whereas regular car insurance covers day-to-day driving activities. It’s essential to have both types of insurance to ensure comprehensive coverage for all scenarios.
For further exploration, consult our comprehensive analysis titled “Compare Comprehensive Car Insurance: Rates, Discounts, & Requirements,” providing deeper insights into the subject matter.
Does car insurance cover track days, or do I need separate track day insurance?
Most standard car insurance policies do not cover track day events, so it’s necessary to purchase separate track day insurance for adequate coverage. While some insurers offer add-on track day cover, it’s crucial to check your policy or speak with your insurer to confirm coverage.
To gain a comprehensive comprehension, consult our in-depth examination entitled “Understanding Your Car Insurance Policy” which provides valuable insights and knowledge to enhance your understanding.
How much does track day insurance cost, and what factors influence the premiums?
The cost of track day insurance varies depending on factors such as the track event frequency, vehicle type, and coverage limits. Insurance providers like Geico and Progressive offer competitive rates, but it’s essential to compare quotes and coverage options to find the best deal for your needs.
Feel free to delve into our in-depth guide titled “Compare Car Insurance Rates by Vehicle Make and Model” for further insights and information.
What is the best track day insurance for high-performance vehicles?
Several insurance providers offer specialized coverage for high-performance vehicles participating in track events. Companies like State Farm, Geico, and Progressive may provide suitable options, but it’s essential to compare policies to find the best track day insurance for your specific vehicle and needs.
To broaden your understanding, consult our extensive manual titled “Compare High-Performance Vehicle Insurance Rates” for further insights and information.
Does progressive offer track day insurance, and how does it compare to other providers?
Yes, Progressive offers track day insurance for enthusiasts seeking coverage during high-speed pursuits. While Progressive may provide competitive rates and comprehensive coverage options, it’s advisable to compare their offerings with other providers like State Farm and Geico to ensure you get the best deal.
By entering your ZIP code above, you can get instant car insurance quotes from top providers.
Can I get cover for track days with my classic car insurance policy?
Some classic car insurance policies may offer track day cover as an optional add-on, but it’s essential to check with your insurer to confirm coverage. Additionally, specialized track day insurance providers may offer tailored coverage specifically for classic cars participating in track events.
For comprehensive insights, refer to our comprehensive handbook titled “Best Classic Car Insurance” for expertise in securing the best coverage for your classic vehicle.
Do I need track day insurance if I’m only participating in occasional track events?
Even if you’re participating in occasional track events, it’s advisable to have track day insurance to protect yourself and your vehicle from potential risks. While the cost of insurance may vary based on event frequency, having coverage ensures peace of mind and financial protection during track days.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
