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Sports Car Insurance

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Compare Insurance Quotes for Sports Cars

Whatever type of sports car you drive, be it a coupé, a roadster, a sporty convertible or a high-performance 2 seater, you probably won’t be surprised to discover that your car insurance is sure to cost more than it would if you drove a saloon car or a hatchback.


Of course, just because it’s going to cost more doesn’t mean it has to cost the earth. There are a number of steps you can take to increase your likelihood of finding cheaper sports car insurance, and the first thing on that list should be using an unbiased price comparison website like Quotezone.co.uk, which will enable you to compare quotes from hundreds of providers in a matter of minutes.

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Other ways to lower the cost of insuring your sports car

As with most vehicles, there are a few things you can do to reduce the cost of your sports car insurance, beyond using an insurance comparison platform like Quotezone.co.uk. For example, you could:

  • Park your sports car in a garage or on a private driveway: Cars that are parked on the side of the road tend to represent a higher insurance risk because they’re more likely to be sideswiped by a passing car or stolen by thieves. If you’re able to park your car off the road you could see your insurance premiums fall.
  • Install a GPS tracker: Some high-end sports cars may have GPS trackers fitted as standard, but if yours doesn’t it might be worth investing in one. These devices can help the police recover your vehicle if it’s ever stolen, which can sometimes translate into cheaper insurance.
Why is it so expensive to insure a sports car?

Whether you’ve bought a Porsche, a Ferrari, a Lamborghini or a Jaguar, if you didn’t check insurance prices before you bought the car you might have gotten a bit of a shock when you began to compare quotes.

There are three main reasons it tends to be expensive to insure a sports car:

  1. Sports cars are high-performance vehicles, which means they can usually reach much higher speeds in a much shorter space of time than ordinary, run-of-the-mill cars can. For an insurer that means these vehicles represent a much bigger insurance risk, which in turn translates into higher premiums for the driver.

  2. Whether it’s because they’re built for speed or because they often appeal to younger drivers, both road traffic accident data and insurance claims data indicate that sports cars are more likely to be involved in a car accident, and again that elevated risk translates into elevated premiums.

  3. Sports cars are often much more valuable than regular production vehicles, which makes them more costly to repair or replace if they are ever stolen or damaged during a car accident. Needless to say, the insurance provider factors the risk of those higher outlays into the quote when they’re calculating premiums for sports cars.

Is it true some insurance companies won’t insure sports cars?

In the past many sports car enthusiasts had to turn to specialist insurers in order to insure their Lamborghinis, Audi Roadsters or Ferraris, but nowadays most mainstream insurance providers are able to provide insurance for these vehicles.

The main exceptions are likely to be ‘grey imports’ (eg import cars from Japan or the USA) and modified cars, both of which sometimes require a specialist insurance provider.

What is considered a sports car for insurance?

Unfortunately there isn’t a commonly agreed definition of what is and isn’t a sports car.

Of course, many motorists will already know that an insurer is very likely to class their vehicle as a sports car, either because the car is marketed as such or because they’ve been advised of this fact by previous insurers.

Some vehicles may be less clear cut, though, particularly if they are older models (classic cars, for instance) or are higher-performance versions of ordinary production vehicles.

As a general rule of thumb, though, if your car is a two-seater, is high-performance, lightweight and built for speed there’s a very good chance insurance companies will class it as a sports car – and charge you accordingly.

*51% of consumers could save £290.68 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next three cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from November 2021 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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