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What is sports car insurance?

Sports car insurance is much the same as standard car insurance cover, but policies are specifically designed for high-powered, expensive vehicles. Sports cars fall into a higher insurance group and are seen as a higher risk. Typically, the cost of insurance will be higher. 

Insurers take into account the higher speed sports cars are capable of, as well as the cost of parts and labour if your car needs to be repaired.  

Unlike for certain high performance cars or heavily modified cars, most insurers will offer sports car insurance so it’s unlikely you’ll need to go to a specialist insurance provider.  

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Why compare sports car insurance?

It is no secret that sports cars can be more expensive to insure than a standard car. However, that doesn’t mean you should be paying more than you need to for your insurance. The last thing you want is to pay top dollar for your car and then get a shock when trying to get it insured. 

Whether you are looking for sports car insurance for a 19 year old or low mileage sports car insurance, we can help. By simply comparing sports car quotes with, you could find cover at a price that fits your budget. Giving you the peace of mind that your car is covered. 


What is considered a sports car for insurance?

There’s no straightforward definition and different insurers often work to their own set of guidelines. Generally speaking, sports cars are considered to be: 

  • Two-seater 
  • Faster and more powerful than the average car 
  • Low to the ground and lighter in weight 
  • In a high insurance group 

Some cars that are considered a sports car are: 

  • Toyota GR Supra
  • Audi TT Coupe
  • Mazda MX-5
  • Jaguar F-Type Coupe


How can I get cheap sports car insurance?

Typically sports car insurance will be more expensive than the average policy, but that doesn’t mean you can’t keep costs down. Here are some ideas to reduce the cost of your sports car insurance: 

  • Pay for your policy upfront – it might be a lot of money but paying for your annual policy in one go can actually work out cheaper. Splitting payments into monthly instalments often means you pay added interest – raising the overall cost.  
  • Increase security – keep your car as secure as you can. If a garage or driveway isn’t an option, investing in an immobiliser or tracker can help. 
  • Limit mileage – being accurate with your mileage or actively limiting the number you drive, can help bring costs down. 
  • Increase your voluntary excess – this can lower your overall premium but whatever you agree to needs to be affordable because claims can’t proceed until you’ve paid it.  
  • Join a club – some insurers offer discounts if you’re a member of a car club. 

Of course, one of the best ways to find affordable sports car insurance, is to compare deals from multiple insurers on a comparison website.  

At searching for car insurance couldn’t be easier, just fill in our online form and we’ll show you quotes for you to choose from – it’s as simple as that. 


Sports car insurance advice and FAQs

What is covered in sports car insurance?

Like other types of car insurance, there are three levels of cover to choose from:

  • Third-party only – covers the cost of injury or damage to other people and their property. Policies don’t pay to repair or replace your car if you’re involved in an accident. This is the minimum level of cover you can have by law.
  • Third-party, fire and theft – includes third-party only but will also compensate you if your car is stolen, damaged or destroyed by fire.
  • Comprehensive – includes third-party, fire and theft and will also compensate you if you need to repair or replace your car after an accident; even if the accident was considered your fault.

On top of the level of cover you opt for, you’ll be able to add extra features to your policy for a small increase in cost, this can include:

  • Legal expenses – meets the cost of legal advice and compensation if another driver takes you to court or if you decide to pursue a motoring claim against someone.
  • Overseas use – covers you to drive abroad.
  • Competition use – allows you to use your car at race and track days.
  • Malicious damage – pays to repair any intentional damage to your car.

How much does sports car insurance cost?

Sports car insurance can be considerably higher compared to standard car premiums. This is down to a number of reasons, one of which is the fact that sports cars tend to be in higher insurance groups.

Cars in high insurance groups are typically more powerful and expensive to buy and repair – leading to high-cost claims which are reflected in pricier premiums. Sports cars are also vulnerable to theft and can be targets for malicious damage which can bump up the cost of cover too.

What else affects the cost of my sports car insurance?

It’s not just the type of car you drive that affects your policy price; insurers will also consider:

  • Where you live – you can expect higher premiums if you live in a busy, congested town or city, especially if crime rates are also high.
  • How secure your car is – keeping your sports car in a garage or on a private driveway can help keep insurance costs down.
  • The miles you drive – as far as insurers are concerned, more miles means an increased chance of an accident which can bump up your premium.
  • Your driving record – if you’ve got a points-free licence you can expect to pay less than someone with driving convictions.
  • Your claims history – recent claims (usually made in the last five years) can increase premiums.

All of these factors help insurers calculate the chances of a claim being made – which in turn influences your premium. Car Insurance Reviews

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