Modified Car Insurance
Modified car insurance with agreed value protects your full build — engine mods, suspension, bodywork, wheels, and everything you've invested. Standard auto insurers use ACV and don't account for your modifications.
Modified Car Insurance: Agreed Value for Your Built Vehicle
Standard auto insurance was designed for stock vehicles. If you've modified your car with aftermarket parts — turbo kits, forced induction, suspension upgrades, wide-body kits, custom paint — a standard policy will pay you the stock vehicle's depreciated cash value after a loss, not what your build is actually worth.
What Agreed Value Means
Agreed value means you and the insurer agree on the total value of your vehicle, including all modifications, at the time the policy is written. If the vehicle is totaled, you receive that agreed amount — not a depreciated ACV figure that doesn't account for a single dollar you spent building it.
What We Cover
- Engine modifications: turbochargers, superchargers, cam kits, stroker builds, engine swaps
- Forced induction and supporting mods (intercoolers, fuel systems, tuning)
- Suspension modifications: coilovers, air suspension, airbag setups, angle kits
- Bodywork: wide-body kits, aero packages, carbon fiber components, custom paint
- Wheels and tires beyond OEM specifications
- Interior modifications: roll cages, racing seats, harnesses, aftermarket dashes
- Safety equipment permanently installed
- Custom paint, wraps, and vinyl
Why Standard Insurers Fail Modified Cars
Standard carriers (GEICO, Progressive, State Farm) handle modified vehicles poorly for several reasons: - They use actual cash value (ACV) — depreciated stock market value, ignoring all mods - Undisclosed modifications can void a claim entirely - Performance modifications often trigger "racing use" exclusions - High-horsepower builds may be deemed uninsurable - Salvage or rebuilt titles (common in drift builds) are frequently declined
Our Approach
We work with specialty markets — agreed value insurers who understand built cars. We disclose everything upfront, establish agreed value that includes your mods, and place you with a carrier who will actually pay what your car is worth when something happens.
What's Covered
Frequently Asked Questions
Agreed value means you and the insurer agree on the total value of your vehicle, including all modifications, at policy inception. If the car is totaled, you receive that agreed amount — no depreciation deduction, no ACV dispute. This is the gold standard for modified builds.
Standard policies typically pay actual cash value (ACV) based on the stock vehicle, ignoring aftermarket modifications. Undisclosed mods can also void a claim entirely. Modified vehicles need specialty agreed value coverage.
Many specialty carriers write salvage and rebuilt title vehicles on agreed value policies. These are common in drift builds — purchased wrecked and built back. We work with markets that accept them.
For agreed value to be accurate and enforceable, yes — all significant modifications should be disclosed and valued. We build the agreed value from your build sheet, receipts, and photos.
We use your purchase price, receipts for aftermarket parts, labor invoices from shops, and professional appraisals if needed. We work with what you have and can guide you through documenting a build.
Contact us when you make significant additions. Mid-term endorsements can update your agreed value. Mods added after the policy starts and not disclosed may not be covered.
Yes. Show cars, weekend-only builds, and cars in storage can often be rated for lower annual mileage or placed on storage-only coverage, significantly reducing premium.
Yes. Custom paint is considered a modification and is included in your agreed value. Document it with photos and the painter's invoice.