How do insurance companies define sports cars?

UPDATED: May 27, 2010

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Asked May 27, 2010

1 Answer


Defining a sport car can be tricky, and the definition will almost certainly vary from one insurance company to another. In general, a sports car is a vehicle with a low center of gravity, a high amount of available horsepower, and a 2 door body design.

The problem is that many insurance companies have their own definitions, and some will go as far as labeling any 2 door car as a sports car, regardless on the engine power. Other companies will look at a list of factors which include such things as the body style, the number of doors, the engine size, or the manufacturer. The weight of the vehicle in relation to the number of cylinders in the engine is also used in some instances.

Because insurance for a sports car costs quite a bit more than insurance for a sedan, it may be in your best interest to shop around and see how your car is rated with a number of different car insurance companies. Obviously, some cars are indisputable sports cars, but you may be surprised that even a sleek fast machine is listed by some insurance companies as a sedan.

Finally, if your vehicle has 2 doors it may be listed as a sports car for that reason alone. In this situation, shopping for a better quote could save you hundreds of dollars a year, simply by choosing an insurance company that does not classify your car in the higher risk bracket.

Answered May 27, 2010 by Anonymous

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