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Car Insurance Quotes for Sports Cars: Quotes, Discounts for 2022

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Charlie Mitchell

By: Charlie Mitchell

Edited by Jackie Cohen

Last Updated June 15, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

If you’re lucky enough to realize your lifelong dream of owning a high-performance car, the last thing you want to worry about is the auto insurance policy. But if your checkbook is hurting from the price tag of the car itself, you’ll want to save as much as you can on sports car insurance without skimping on quality coverage.

And that’s where Insurify comes in. After just a few minutes of entering your information, it’ll provide you with a free list of car insurance quotes from the top companies in the nation. It’s totally free and a great way to know you’re getting the best deal out there.

Quick Facts

  • Sports cars are some of the most expensive vehicles to insure.
  • Since sports cars are viewed as relatively high-risk when compared to sedans or other vehicles, car insurance policies are higher on average
  • The average cost of car insurance for a sports car is $203 per month.

Cheapest Car Insurance Companies for Sports Cars

Insurance companies approach sports car insurance from different angles. Some will jack up your rates, label you high-risk, and only want to take you on if you are ready to pay enormous premiums. Others target low-mileage drivers who are overpaying for a policy they don’t need. Here are the lowest sports car insurance quotes we found:

Insurance CompanyMonthly Quote for Sports Cars
TSC Direct$106
21st Century$113
Kemper Preferred$118
Mile Auto$119
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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How much does car insurance cost for sports cars?

How much does it cost to insure a coupe?

Depending on the make and model of your coupe, insurance premiums are generally higher than average for this car type.

Sports car insurance premiums vary—but in general, they’re high. Even if you have a clean driving record, you’ll be considered higher-risk than most drivers, so whether or not you take the gamble of sticking to property damage and bodily injury liability coverage, you’ll pay hefty auto insurance rates.

Unless you paid cash for that new Ferrari, you’ll be paying a loan on it, meaning you’ll be required by your lender to have full coverage (liability, comprehensive, and collision coverage). Even if you own the car outright, you’ll want to have as much protection on your insurance policy as possible, including uninsured motorist coverage.

Some simple ways to get your insurance rates down are making sure that along with a high number of cylinders, your sports car is also stocked with anti-theft devices and safety features. A high deductible would help, too. And some new auto insurance companies provide per-mile policies that might be a great fit for your sports car if you’re not using it to commute every day.


A new company with a direct and novel approach to car insurance, Metromile offered the lowest sports car insurance quotes, at just $86 per month. Metromile has the full suite of policies you’d want in an auto insurance provider. It charges a super-low base rate, and then at the end of the month, you pay for each mile you end up driving.

This approach could work especially well for sports cars, where the amount you drive can vary highly depending on the season. In general, Metromile can save you money if you only drive 10,000 miles per year or less, and in the case of a Ferrari that you’re likely not taking on errands, this might be a really good match.


A legacy insurance company with decent ratings across the board, Farmers bids low in the sports car insurance category, so you might want to take a look at an insurance quote. If you value a usable mobile app, its ratings on the iOS platform are especially good.

If your sports car also happens to be an EV or hybrid, you can save 5 percent right away, and Farmers’ bundling discount with home or another auto policy is 10 percent. A driver training discount if you’re over 55 can help you get points for safe driving, which will help offset the higher-risk status you’ll earn with a high-horsepower vehicle.


United Security Health & Casualty Insurance Company (USH&C) offers car insurance in Arizona, Missouri, Illinois, Nebraska, Indiana, and Arkansas. It offers sports car drivers an enticing $97 per month average quote, and you can lower that with discounts for anti-theft equipment, multi-policy discounts, and claims-free renewal.

USH&C provides health insurance, but you won’t be able to pick up a discount bundling home and auto insurance. However, you can get a 5 percent discount for being a homeowner.

TSC Direct

New York is one of the most expensive states for sports car insurance: Insurify’s database shows an average monthly quote of $297 per month. Sheesh! That’s why it’s even more of a surprise to see TSC Direct on our list of lowest sports car insurance quotes. It only serves the tri-state area, and primarily New York City.

TSC Direct also offers homeowners insurance and a bundling discount to lower your rates. “Why should everything cost more just because we live in the greatest city in the world?” asks the company’s website. Its mobile app is up and running for claims, bill pay, and the rest.

21st Century

Did you buy a sports car to cruise on the Pacific Coast Highway? California drivers can get insurance from 21st Century, which has sold car insurance and other policies in the Golden State since 1958. The company advertises a number of discounts, especially for safe drivers, good students, safety features on your car, and taking driver’s education courses.

Since you’ll already want anti-theft equipment for your sports car, you’ll be pleased to know that 21st Century offers an average discount of 15 percent for state-of-the-art theft protection. If you have had no violations or points on your driving record in the last five years, you can take advantage of extra savings that the company claims might be over 20 percent.

See More: Car Insurance Quotes

Cheapest States for Car Insurance for Sports Cars

Alongside credit score, type of vehicle, and your driving history, location plays an important role in setting auto insurance rates. These are the rates that sports car drivers pay on average by state. See what you can expect based on where you live.

StateMonthly Quote for Sports Cars
New Hampshire$135
New Jersey$217
New Mexico$141
New York$267
North Carolina$118
North Dakota$140
Rhode Island$205
South Carolina$242
South Dakota$145
Washington, D.C.$283
West Virginia$182
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Sports Car Auto Insurance By Make and Model

Once you enter the world of high-performance vehicles, you quickly find out that not all of them are created equal. The same goes for sports car auto insurance. Let’s talk through some popular sports car models in the context of insurance coverage to see what insurance premiums you might expect, depending on your ride.

Ford Mustang

An icon and an absolute classic, the Ford Mustang is also one of the cheapest sports cars to insure, given its affordable starting price at $27,205. Similarly, reasonably priced cars that prioritize class, speed, and handling are the Chevrolet Camaro, Dodge Challenger, and Mazda MX-5 Miata. For a sports car lover, Nissan, Subaru, and Honda, however affordable, won’t cut it.


I mean, have you seen the newest 911? Why have a sports car if it’s not that one? If there’s a drawback, it has to be the fact that it comes in at more than triple the starting price of a Ford Mustang or similar sports car, and that’s going to jack up your car insurance rates significantly. More understated options that are just as good would be the Audi R8 and BMW i8.


A Porsche 911 is one thing, but a Ferrari takes it to a new level. These supercars start out at over $200,000. But do you get what you pay for? Experts say, absolutely. And a car like this, or any other from a high-end make like Lamborghini, is going to cost you a pretty penny for an auto insurance policy; you might even need classic car insurance.

Shop Around for Car Insurance

Whether it’s a Toyota Camry or a Chevrolet Corvette you’ve always dreamed of, you should never be dissatisfied with your auto insurance policy. There are too many companies out there. To get a bird’s-eye view of the best policies you can expect for your driver profile, head to Insurify, where you’ll get a free list of real quotes in just a few minutes. Then, it’s click and save.

See More: Cheap Car Insurance

The Best Car Insurance Quotes for Sports Cars

You bought your high-horsepower sports car to feel free out on the road, not stress over the consequences of property damage or your liability in a crash. So a crucial component of owning a sports car is a sports car insurance policy that gives you peace of mind. But like any other policy, it shouldn’t break the bank. Compare and save today.

Frequently Asked Questions

  • More horsepower means more liability and cost of repairs, which will raise your cost of insurance for a high-performance vehicle versus a traditional car. Bodily injury liability, comprehensive coverage, and collision coverage will all contribute to a high sports car insurance cost. The cheapest car insurance we found was from Metromile: $86 per month.

  • Allstate, GEICO, State Farm, and other traditional insurance providers all provide typical coverage for expensive cars with high horsepower. But they’ll charge much higher rates to you than they would a minivan. If you drive your high-performance car infrequently, you might look at pay-per-mile programs, which could save you money. The key is to shop around.

  • If there’s one single thing you can do to save as much money as you can on your car insurance policy, it’s to compare quotes side by side from as many car insurance companies as you possibly can.

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  • The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

    Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

    With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Charlie Mitchell
Charlie Mitchell

Insurance Writer

Charlie Mitchell is a journalist, researcher, and writer specializing in personal finance subjects. He holds a degree from Middlebury College. His work can be found in Vox, Mother Jones, The New Republic, and other publications. Charlie uses his expertise in home, renters, and auto insurance subjects to help inform people to make better financial decisions. Connect with Charlie on LinkedIn.

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