Best Track Day Car Insurance in 2025 (Top 10 Companies)

State 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

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!

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

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.

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.

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.

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.

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!