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Owning a sports car in the UK is thrilling, but getting car insurance can be pricey. If you drive a Porsche, Jaguar, or Mazda MX-5, it's smart to compare sports car insurance policies. This way, you can find the best deal and the right coverage for your needs.

What Is Considered a Sports Car?

A sports car is a fast vehicle made for speed, quick handling, and a stylish look. These cars usually have:

  • Strong engines
  • Quick handling and speed
  • Sleek designs like coupes or GTS models

Sports cars often cost more to insure. This is because they have a higher value and better performance, which put them in higher insurance groups. As a result, your insurance premium may go up.

Why Is Sports Car Insurance More Expensive?

Sports cars cost more to insure for several reasons. They drive faster and have more expensive parts. This makes them riskier to insure. Thieves often target these cars too, which raises the insurance prices. Additionally, sports cars are usually involved in more serious accidents. This leads to higher repair and liability costs.

Why Is Sports Car Insurance More Expensive

What Is Performance Car Insurance?

Performance car insurance is a special type of policy designed for fast or luxury cars. It is different from regular insurance because it considers how you drive, how much you drive, and any unique features your car has. This way, your premium shows the car’s real value and the risk involved.

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Average Cost of Sports Car Insurance in the UK

Car Model Insurance Group Estimated Annual Premium (£)
Porsche Cayman 41–46 £1,000 – £1,400
Jaguar F-Type 44–50 £1,200 – £1,600
Mazda MX-5 25–33 £800 – £1,100
Audi TT Coupe 33–46 £900 – £1,300
BMW 4 Series GTS 41–47 £1,000 – £1,500

Estimates depend on driver age, mileage, and claims history as of April 2025.

What Impacts the Cost of Sports Car Insurance

What Impacts the Cost of Sports Car Insurance?

Key factors that influence the cost of your car insurance are:

  • Annual mileage – Driving less can lower your risk.
  • Security features – Alarms and trackers can help you save on insurance.
  • Vehicle storage – Keeping your car in a garage can make insurance cheaper.
  • Modifications – Changes to your car may raise your premium if you don't report them.
  • Driving history – If you have fewer claims and penalty points, your costs may be lower.

Can You Get Cheap Sports Car Insurance?

Yes, here’s how to get affordable sports car insurance:

  • Look at sports car insurance quotes from different companies.
  • Pick a higher voluntary excess to cut down your monthly payment.
  • Try to limit your mileage if you can.
  • Pick a specialist provider for modified or high-performance vehicles.
  • Go for older or lower-powered models to lower your insurance group rating.

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What Does Comprehensive Cover Include?

A comprehensive policy typically offers:

  • Protection against third-party liability
  • Coverage for accidental and malicious damage
  • Fire and theft protection
  • Repairs for windscreens
  • Optional breakdown and courtesy car coverage
  • Personal accident insurance

This kind of coverage gives peace of mind to sports car owners.

Do Car Modifications Affect Your Insurance?

Yes, upgrading performance, making cosmetic changes, or tuning can all increase your premium.

Modifying a sports car impacts insurance for a few reasons. First, changes can raise the car's value and risk. Performance upgrades, such as turbochargers, make the car faster. Cosmetic changes may draw more attention. If you do not declare these modifications, insurers might cancel your policy or deny a claim.

Do Car Modifications Affect Your Insurance

Should You Consider Specialist Insurance?

If you own a rare, modified, or valuable car, you should consider specialist sports car insurance. These types of policies might provide:

  • Track day coverage
  • Agreed value cover
  • Discounts for limited mileage
  • Restoration and modification cover

This makes sure that your special needs are taken care of. This is important, especially if your vehicle is a collectible or is used for events.

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Correct as of 02 April 2025

FAQs About Sports Car Insurance

Yes, sports cars often belong to higher insurance groups. This is because of their speed, engine size, and repair costs. As a result, the cost of cover rises, making it more pricey than regular car insurance.

It's harder, but not impossible. Young drivers can still get insurance for sports cars. They can do this by picking models that have less power, staying away from risky modifications, and driving fewer miles each year to lower the insurance cost.

Comprehensive cover is one of the best policies for sports car owners. It provides full protection against theft, accidents, and malicious damage. This protection is very important for vehicles that may cost top dollar to fix or replace.

No, most regular car insurance plans do not cover track days. You will need specialist sports car insurance policies or classic car insurance, if it fits, that offer track day add-ons from a specialist insurance provider.

Some cars do hold their value. While many decrease quickly, others, like limited-edition roadsters or rare models, may keep or even increase their worth over time. This can impact your resale value and claims bonus protection options.

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Page last updated on: 01/10/2025

Page reviewed by: Shay Ramani

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