Car Insurance Companies That Allow Modifications (2022)

Many car insurance companies will allow modifications like paint jobs and new wheels. However, riskier parts may cause your rates for auto insurance companies that allow modifications to go up. Some quotes for auto insurance companies that allow modifications can be around $230 a month or more, depending on your state.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Nov 18, 2021

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A Concise Overview

  • Auto insurers are willing to offer coverage to custom car owners
  • Some vehicle modifications are considered risky by insurers
  • You may have to pay more if your car contains any risky modifications

Customizing your vehicle comes with many benefits. That being said, some car insurance companies that allow modifications may raise your rates to cover this.

If you modify your car with something risky, it might be harder to find auto insurance coverages.

If you’re interested in finding rates for auto insurance companies that allow modifications, enter your ZIP code into our free quote tool.

Auto Insurers That Allow Modifications

A vehicle modification will allow you to customize your vehicle to your liking. These can range from cosmetic modifications and system improvements to the vehicle’s internal systems and computing. 

However, some vehicle modifications will limit your ability to get insurance once you’ve implemented the change on your vehicle. Therefore, it’s best to let your insurance company know ahead of time to make sure your auto insurance policy covers your vehicle modification.

For example, Allstate will offer coverage for custom equipment and aftermarket parts. Below are some examples of annual and monthly rates for Allstate across several states:

Allstate Annual and Monthly Auto Insurance Rates by State with Milewise®
States with Allstate Milewise®Allstate Average Annual RatesAllstate Average Monthly Rates
Massachusetts$2,709$226
Ohio$3,197$266
Virginia$3,387$282
Washington$3,541$295
West Virginia$3,821$318
Indiana$3,979$332
Pennsylvania$3,984$332
Idaho$4,089$341
Oregon$4,766$397
Arizona$4,904$409
Illinois$5,204$434
Maryland$5,233$436
Texas$5,485$457
New Jersey$5,714$476
Delaware$6,316$526
Washington D.C.$6,469$539
Florida$7,440$620
Average of all states where Milewise® is available.$4,720$393
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As you can see, some rates for auto insurance companies that allow modifications can start as low as $230 a month.

Auto insurance companies that don’t allow modifications will likely do so to prevent insuring any vehicle that has been tampered with outside the manufacturer’s specifications.

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What counts as a modified vehicle?

A car modification can be simplified down to any part of a vehicle that the manufacturer didn’t install. Some examples of popular car modifications include:

  • New wheels
  • Window Tint
  • Paint Jobs
  • New sound system

Most cosmetic modifications won’t raise your auto insurance rates unless they pose a risk to your safety. For example, a darker tint might make it harder to see out your windows at night, causing an accident to be much more likely.

In that same vein, custom parts and equipment coverage companies won’t be fond of any interior systems that might cause you to be more distracted while on the road.

Does car insurance cover modifications?

Whether or not an auto insurance company allows modifications will likely depend on the company you’re getting a policy from.

You’re likely to find many insurers willing to cover your custom car as well as any aftermarket or classic parts.

Do modifications affect car insurance?

A car modification will affect your policy if it poses a risk to you or other people around you.

Companies don’t want to pay out on an expensive claim, so it makes sense that any modifications that might cause an accident will stand out as red flags.

What modifications affect auto insurance?

Anything that increases the chance of being distracted or getting into an accident will cause your rates to go up. Modified or classic cars will be much riskier, and you may have to obtain a special policy to cover them.

Modifications that affect your auto insurance due to risk might include:

  • Darker tint
  • Speed enhancements
  • New hydraulics

These can affect the way your car functions and may take some getting used to on your part. To cover this risk, the insurer will likely make you pay higher rates to ensure that risk is covered.

How to Find Auto Insurance for Modified Cars

If you’re looking for auto insurance for your custom car, you can find coverage with some of the popular insurance companies.

Some policies that might help you include “agreed value” auto insurance, which reimburses for a previously agreed amount. For example, this insurance can help cover a custom car that might have had its value affected by your modifications.

Another type of auto insurance that might help is custom parts and equipment coverage.

This policy can cover specific parts of your vehicle, like a new paint job or wheels. However, it still won’t cover as much as a traditional policy.

How to Get Lower Auto Insurance Rates for Modified Vehicles

Since body modifications might raise your rates, you may be looking for ways to lower them. According to the III, there are some ways that you can lower your rates.

To get more affordable rates, you’ll want to start:

  • Driving Safely – If your record has a history of tickets, you’ll likely have to pay more.
  • Shopping Around – While finding an auto insurance policy for a modified car might not be as easy as a standard policy, it’ll still help to consider all options.
  • Raising Your Deductible – A higher deductible — how much you pay before the company chips in — will also lower your rates.

These tips can apply to almost any insurance policy and will also work when you’re attempting to get insurance for modified cars.

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Auto Insurers for Modified Cars: The Bottom Line

When looking for auto insurance companies that allow modifications, those available will likely depend on what custom work you’ve done.

If your modifications don’t pose any risk to you or anyone else, you most likely won’t have to get new coverage.

If you’re interested in finding quotes for auto insurance companies that allow modifications, enter your ZIP code into our free quote tool.

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