Wheels & tires
Forged wheels, performance tires and other upgrades can represent a significant investment on top of the car itself.
Modified Car Insurance for Florida Enthusiasts
You built the car. Make sure your insurance knows what it's covering.
Wheels, suspension, exhaust, aero, performance upgrades and other modifications can change more than how your car looks or drives. American Atlas Insurance Group helps Florida enthusiasts explore insurance options for modified and performance vehicles.
Independent Insurance Agency • Florida Licensed • Enthusiast-Focused
Your Car Isn't Stock Anymore. Is Your Insurance Still Treating It Like It Is?
Modifying a car is part of owning one. Insurance just has to keep up. Depending on the insurer and the policy, aftermarket parts may be handled differently from factory equipment, and coverage for them varies a lot. None of that is a reason to stop building. It's a reason to make sure your agent knows what's on the car.
Suspension
Coilovers, lowering springs, air suspension and adjustable arms can change the car substantially from its factory configuration.
Performance
Tunes, exhaust, intake, and turbo or supercharger upgrades should be disclosed and discussed, not left for a claim adjuster to discover.
Body & aero
Carbon fiber, splitters, wings, widebody kits, wraps and custom paint can add considerable cost to a build.
Finally, an Insurance Conversation Where You Don't Have to Explain What Coilovers Are.
You shouldn't have to spend the first ten minutes explaining why the wheels aren't factory, why the car sits lower, or what a tune actually changes. We understand enthusiast cars and what owners put into building them.
Our job is to help you describe your modifications accurately when exploring available insurance options, so the conversation starts from the car you actually own. If your build started life as a supercar, our exotic car insurance page covers the valuation side in more depth.
STREET BUILDS
Daily-driven cars with wheels, suspension and bolt-on upgrades.
EUROPEAN PERFORMANCE
BMW M, AMG, RS and Porsche builds, from a tune to full aero.
JDM
Supra, GT-R, Type R, WRX and STI, Evo and the rest of the lineup.
MUSCLE
Mustang, Camaro, Challenger and Charger, supercharged or naturally aspirated.
EXOTIC
Supercars with exhaust, carbon, wheel and aero upgrades.
RESTOMODS
Classic bodies with modern drivetrains, brakes and suspension. They can sit between modified and collector car coverage.
Not every build or modification will be eligible with every insurer. That's exactly why we start with what's on the car.
What Should You Tell Your Insurance Agent About?
More than most people think. If it didn't leave the factory on the car, it's worth mentioning. Here's a starting list.
Performance
- ECU tunes
- Turbo upgrades
- Superchargers
- Intakes
- Headers
- Exhaust systems
- Fuel system upgrades
Suspension
- Coilovers
- Lowering springs
- Air suspension
- Adjustable control arms
- Sway bars
Wheels & brakes
- Aftermarket wheels
- Performance tires
- Big brake kits
- Upgraded calipers
Exterior
- Carbon fiber components
- Wings
- Splitters
- Diffusers
- Widebody kits
- Aftermarket bumpers
- Vinyl wraps
- Custom paint
Interior
- Aftermarket seats
- Steering wheels
- Audio and electronics
- Custom upholstery
Other
- Engine swaps and internal engine work
- Transmission swaps
- Custom fabrication
- Other significant aftermarket equipment
When in doubt, tell your agent about it.
Listing a modification doesn't mean it will be covered. It means the coverage conversation starts from the car you actually own.$40,000 Car + $25,000 in Mods Doesn't Automatically Mean a $65,000 Insurance Check
What you spent building the car and what a policy pays after a covered loss are two different numbers. Receipts show what you invested. The policy decides how that investment is treated. Whether a given policy recognizes your build depends on:
- Policy type
- Standard auto, specialty and collector programs can treat modified cars very differently.
- Policy terms
- The actual policy language governs what's covered, not what's on the receipt.
- Vehicle valuation
- Agreed value, stated value and actual cash value work differently. Here's a quick comparison.
- Declared modifications
- What's actually listed on the policy, versus what's only on the car.
- Aftermarket equipment provisions
- Many policies have specific terms and limits for custom parts and equipment.
- Carrier eligibility
- Each insurer sets its own guidelines for which modified vehicles it will write.
- Limits and deductibles
- These apply to any settlement, including one that involves aftermarket parts.
We can't promise any policy will cover the full cost of every modification. What we can do is help you understand how a specific policy handles aftermarket parts before you need to find out the hard way. Read the vehicle valuation guide
Review my vehicle & modificationsStock Car vs. Modified Car
Stock vehicle
- Factory wheels
- Factory suspension
- Factory power
- Factory bodywork
- Standard equipment
Modified vehicle
- Aftermarket wheels
- Coilovers or air suspension
- ECU tune
- Performance exhaust
- Carbon aero
- Custom bodywork
- Additional aftermarket equipment
The more your vehicle changes from its original configuration, the more important it becomes to make sure your agent understands what you actually own.
We Speak Enthusiast.
American Atlas can help enthusiasts explore available insurance options based on the vehicle, modifications, usage and individual circumstances.
BMW M
M2, M3, M4, M5
Porsche
911, GT3, Cayman, Macan
Mercedes-AMG
C 63, E 63, AMG GT, G 63
Audi S / RS / R8
S4, RS 3, RS 6, R8
Corvette
C5 through C8, Z06
Mustang
GT, Dark Horse, Shelby
Camaro
SS, 1LE, ZL1
Dodge SRT
Challenger, Charger, Durango
Toyota Supra
A80 and A90
Nissan GT-R
R35 and Skyline GT-R
Honda / Acura
Civic Type R, S2000, Integra, NSX
Subaru
WRX, STI, BRZ
Mitsubishi
Lancer Evolution, 3000GT
Volkswagen / Audi
GTI, Golf R, S3, TT RS
Tesla
Model 3, Model Y and Model S Performance
Exotic & Supercars
Ferrari, Lamborghini, McLaren and more. See exotic car insurance.
Building on a Ferrari, McLaren or Porsche? Same approach: tell us the car, tell us what's changed. Eligibility depends on the vehicle, the build and each insurer's guidelines.
Get a quoteStreet Car. Track Car. Know the Difference.
If you only take one thing from this page, make it this one. Don't assume a personal auto policy covers track use. Track days, HPDE, racing and timed events may be excluded. Separate specialty coverage may be available depending on the event, vehicle and provider. Definitions and exclusions vary by insurer and policy.
Street use
Normal road use, subject to the terms of the applicable auto policy.
Track / HPDE
Instructional on-track driving. Not the same as street use, and not necessarily the same as competition. May require separate specialty coverage.
Competition
Racing and timed competition, including autocross, present substantially different insurance considerations.
Signed up for a track day or HPDE? Read your policy's exclusions before the event, not after. Then talk to an insurance professional about how you actually use the car.
Keep Records of Your Modifications
You already keep the receipts for the parts you're proud of. Keep the rest too. Good documentation helps you and your insurance professional understand exactly what's been invested in the car.
Keep it all in one folder, with digital copies, and update it whenever the build changes. Records don't guarantee reimbursement, but they make every conversation about the car more accurate.
Build file checklist
- Modification receipts
- Parts invoices
- Installation invoices
- Photos of installed parts
- Build sheet
- Current photos of the whole car
- Up-to-date modification list
- Appraisals, where appropriate
Tell Us About Your Build.
Show us the car
Year, make, model and how the car is used.
Tell us what's modified
The major performance, suspension, wheel, exterior and interior modifications.
We review the options
We evaluate available insurance options based on the vehicle and your circumstances.
You decide
We explain the options so you can make an informed decision. We can look at your daily drivers and umbrella coverage while we're at it.
Modified Car Insurance FAQ
Does regular car insurance cover modifications?
It depends on the insurer, the policy and the modification. Don't assume aftermarket parts, or the full amount you've invested in them, are automatically covered. Review your actual policy and disclose significant modifications to your insurance agent.
Do I need to tell my insurance company my car is modified?
Significant modifications should be discussed with your insurance professional. Requirements and coverage vary by insurer and policy.
Will insurance pay for all the money I put into my car?
Not necessarily. Money spent modifying a vehicle doesn't automatically equal the amount payable after a covered loss. Policy terms, valuation provisions, aftermarket equipment coverage, limits and other factors can all affect claim settlement.
Can I insure a tuned car?
Insurance options for tuned vehicles depend on the vehicle, the modification, how the car is used, the driver and insurer eligibility.
Are aftermarket wheels covered by insurance?
Coverage for aftermarket wheels varies by policy and insurer. Review your policy's aftermarket equipment provisions and limits.
Are coilovers considered a modification?
Yes. Replacing factory suspension with aftermarket coilovers changes the vehicle from its original configuration, so include them when you discuss the build with an insurance professional.
Does car insurance cover track days?
Don't assume a personal auto policy covers track use. Track days, HPDE, racing and timed events may be excluded. Separate specialty coverage may be available depending on the event, vehicle and provider. Review your actual policy before any on-track event.
Can you insure heavily modified cars?
Available options depend on the vehicle, the modifications, usage, driver profile and carrier eligibility. American Atlas can review your situation and help you explore available options.
You Built It. Let's Talk About Protecting It.
Tell us what you drive, what you've changed and how you use it. American Atlas will help you explore available insurance options for your build.
Independent Agency • Florida Licensed • Personalized Coverage Review