Are kit cars cheaper insurance?

When it comes to car insurance, many factors are considered when determining the premium rates. One such factor is the type of car you own, and kit cars are no exception. Kit cars are cars that are assembled by individuals or small companies using a kit. These cars are often built for performance or for their unique look, and they can be cheaper than buying a new car. But the question remains: are kit cars cheaper insurance? In this article, we will explore the answer to this question.

kit cars cheaper insurance

What are Kit Cars?

Before we dive into the question of insurance, let’s take a closer look at what kit cars are. Kit cars are vehicles that are assembled by the owner or a small company using a kit that includes all the necessary components to build the car. These kits can be purchased from various manufacturers and come with different levels of complexity. Some kits are simple and can be assembled in a few days, while others can take months or even years to complete.

Kit cars are popular among car enthusiasts because they offer a unique driving experience. They are often built for performance, and many kit cars are modeled after classic sports cars from the 1950s and 1960s. They can also be customized to the owner’s preferences, including the choice of engine, transmission, and suspension.

Insurance for Kit Cars

When it comes to insurance for kit cars, the cost can vary depending on several factors. Insurance companies consider the same factors for kit cars as they do for other cars, such as the driver’s age, driving record, and location. However, there are some unique factors that are considered when insuring a kit car.

One of the main factors that can affect insurance rates for kit cars is the value of the car. Because kit cars are often built for performance or unique looks, they can be more expensive than a regular car. This means that the cost to repair or replace a kit car can be higher than a regular car, which can increase the insurance rates.

Another factor that can affect insurance rates for kit cars is the safety features of the car. Because kit cars are often built from scratch, they may not have the same safety features as a regular car. This can increase the risk of accidents, which can lead to higher insurance rates.

Overall, the cost of insurance for a kit car can vary depending on several factors, but it is possible to find affordable insurance for your kit car.

kit cars cheaper insurance

Tips for Finding Affordable Kit Car Insurance

If you own a kit car or are considering purchasing one, there are some tips you can follow to find affordable insurance. Here are some tips to consider:

  1. Shop around: Don’t settle for the first insurance company you find. Shop around and compare rates from different companies to find the best deal.
  2. Consider a specialist insurer: Some insurance companies specialize in insuring kit cars, and they may offer better rates and coverage options.
  3. Join a kit car club: Many kit car clubs offer insurance discounts to their members. Joining a club can help you find affordable insurance and connect with other kit car enthusiasts.
  4. Improve safety features: If your kit car doesn’t have the necessary safety features, consider adding them to help reduce the risk of accidents and lower your insurance rates.

kit car insurance cost

Kit cars are vehicles that are assembled by their owners using parts purchased from a variety of sources, rather than being built on an assembly line by a manufacturer. Because of their unique nature, kit cars often require specialized insurance coverage that differs from that of standard automobiles.

The cost of kit car insurance can vary depending on a number of factors, including the type of kit car being insured, its value, and the coverage options selected by the owner. However, in general, kit car insurance tends to be more expensive than insurance for standard cars due to their unique nature and the fact that they are often more expensive to repair or replace.

Here is a table that provides some estimated annual insurance premiums for various types of kit cars:

Type of Kit CarEstimated Annual Insurance Premium
Replica sports car$1,500 – $2,500
Custom-built roadster$1,200 – $2,000
Vintage replica$1,000 – $1,500
Buggy$800 – $1,200

Please note that these estimates are only meant to be used as a rough guideline, and your actual insurance costs may vary based on your individual circumstances and the insurance provider you choose. It is always best to shop around and compare quotes from multiple insurance companies to ensure that you are getting the best coverage at the most affordable price.

Related: Are kit cars cheaper?


Q: Why are kit cars more expensive to insure?

A: Kit cars are often more expensive to insure due to their unique nature and the fact that they are assembled by their owners using parts purchased from various sources. This can make it more difficult for insurance providers to accurately assess the value of the car and the level of risk involved in insuring it.

Q: Are there any ways to reduce the cost of kit car insurance?

A: Yes, there are several ways to potentially reduce the cost of kit car insurance. One way is to install safety features such as an alarm system or GPS tracking device, as this may lower the risk of theft and result in lower premiums. Another way is to select a higher deductible, which can lower the overall cost of insurance premiums but also means you will have to pay more out of pocket in the event of a claim.

Q: Can I insure a kit car with a regular car insurance policy?

A: It is possible to insure a kit car with a regular car insurance policy, but this may not provide adequate coverage for the unique needs of a kit car. It is generally recommended to seek out specialized kit car insurance providers who understand the specific risks and requirements associated with these types of vehicles.

Q: What types of coverage should I consider for my kit car?

A: The specific types of coverage you should consider for your kit car will depend on a variety of factors, such as the value of the car, how often you plan to drive it, and whether or not it will be used for racing or other high-performance activities. Some types of coverage to consider may include liability insurance, collision insurance, comprehensive insurance, and coverage for accessories and modifications


kit cars can be cheaper to own than regular cars, but the cost of insurance can vary depending on several factors. When shopping for insurance, it’s important to consider the value of the car, the safety features, and to shop around for the best rates. By following these tips, you can find affordable insurance for your kit car and enjoy the unique driving experience it offers.

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