Online Kit Car Insurance Quotes

Kit car insurance is a specific type of auto insurance policy designed to protect a vehicle that you build yourself. Because of the increased risk of theft, kit auto insurance can be a bit more expensive than your average policy. Getting online kit car insurance quotes is a great way to save money. Enter your ZIP code below to get free online kit car auto insurance quotes from local providers.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 26, 2020

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It’s all about you. We want to help you make the right cheap car insurance 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 insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Things to know...

  • Although kit cars are fun, unique investments for auto enthusiasts, kit cars require a special kind of car insurance
  • As a result of the increased risk of theft, owners of kit cars should consider investing in safety features such as anti-theft devices
  • Comparison shopping when looking for a quote will guarantee that you get the best price for the exact coverage you need for your kit car

Kit car insurance is a specific type of auto insurance that is designed to protect a vehicle that you build yourself. In other words, think of a kit car like a prefabricated house.

The pieces arrive ready to be assembled, but you’re responsible for the actual construction of the vehicle. Car enthusiasts invest a great deal of time and money into kit cars as well as into the act of building these vehicles.

Since kit cars aren’t your average vehicle, the need to insure them is unique. However, it is truly a rewarding practice to purchase specialty parts from classic and vintage automobiles and then assembling them after they’re restored in their original form.

As is the case when looking for any type of car insurance, kit cars included, it’s important to investigate the needs of not only your specific vehicle but also your budget and coverage requirements before purchasing a policy.

Comparison shopping can help ensure you get the lowest price for the right type of coverage for your kit car. Enter your zip code above to begin comparing.

Kit Car Insurance Features


So, what’s so special about kit cars? One feature that many auto enthusiasts enjoy about these vehicles is the fact that they are extremely lightweight.

As a result, the driver benefits from an enhanced driving experience due to greater acceleration and higher rates of speed. Kit cars also feature a unique design that consists of larger engines than you would find on an average, smaller cars.

Thus, the ratio of power to size is increased, and the result is a more powerful, faster vehicle. However, with these benefits and features also comes a downside.

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The Drawback

According to the car insurance industry, smaller, lightweight vehicles with larger engines are a known target for car thieves.

Although a car thief may not necessarily want the kit car itself, the large engines are appealing as they can simply be removed and placed into larger vehicles for joyriding.

Another downside of kit cars that can affect the cost of auto enthusiasts’ car insurance policies and hit them where they live is the utter lack of safety features in some of these vehicles, including:

  • antilock brakes
  • airbags
  • high-impact crumple zones

If you’re the owner of a kit car and your current car insurance provider has denied you coverage or increased your premiums to the point where you can no longer afford coverage, keep reading to learn how to get the coverage you need at a price that doesn’t break the bank.

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Helpful Tips

Whether you currently have kit car insurance or your insurance company is driving your rates through the roof and you’d like to find a new policy, here are some helpful tips to help you get the best policy for your needs:

Contact Your Insurance Provider First

Before you start comparison shopping for an online kit car insurance quote, first call your regular insurance company to make sure you’re getting the best rate possible.

It never hurts to ask, and there’s always a chance that you are entitled to extra discounts based on your past or current driving record, especially if it’s been some time since you had an accident if you ever had one at all.

Most reliable drivers are eligible for a no claims bonus discounts, so check with your provider to see if you can have your premiums reduced.

Compare Quotes Online


Once you have reached out to your current insurance agent and you know they’re offering the lowest price possible for your kit car, begin an online search for kit car insurance to see if you can get a better rate through another company.

You may be impressed and surprised once you take a look at the number of different insurance companies that offer this type of specialized car insurance.

Search for online car insurance quotes, and do a side-by-side comparison to view quotes from several different companies at the same time.

Pay Attention to Detail

Before you jump into a policy, make sure you read the fine print. While the premium might seem appealing and affordable at first, it’s imperative that you check all of the various restrictions, terms, and conditions before you make a final decision.

There’s nothing worse than believing your kit car is covered in certain situations only to find out after the fact that it isn’t. Depending on the situation, you could face expensive repairs and premium hikes.

Investigate In-Person

Once you have conducted your online search and you have several policies in mind, contact companies on the phone or in-person to ask about additional discounts.

Perform due diligence with each company, and write down the answers you receive so that you can go back and compare them.

Before you make a decision, ask friends and family for their recommendations, and only focus on websites and companies that seem trustworthy.

You can also do an online search for reviews to read what real policyholders are saying about their experience with a particular company.

Look for Extra Features

Don’t forget to be savvy. Whereas a standard car insurance company is only interested in the numbers, an insurance provider that specializes in kit cars and other unique vehicles may better appreciate the way auto enthusiasts feel about their cars.

This is often reflected in the premium you receive. Shop around for the best price possible and prepare yourself to finally enjoy your vehicle. Continue to keep your premiums low with the following tips:

  • Purchase an immobilizer to reduce the risk of theft.
  • Purchase the smallest engine possible to make your car less attractive to thieves.
  • Be honest about your car’s specs when getting a quote to prevent issues down the road should you need to make a claim.

Compare Online Kit Car Insurance Quotes


Although kit cars can be an exciting, fun hobby, obtaining insurance for these vehicles differs from standard car insurance.

To help you get the best coverage possible, shop around for a reputable company, be honest with your insurance company, and purchase an immobilizer to prevent theft.

By following these tips, your kit car hobby will continue to be a rewarding and enjoyable one.

Enter your zip code into our free car insurance rate comparison tool below to find the best coverage for your needs.

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