Best Auto Insurance for Turbo Cars in 2024 (Find the Top 10 Companies Here!)
AAA, Geico, and Progressive offer the best auto insurance for turbo cars. At AAA, a minimum turbo car policy averages $85/mo. Vehicle add-ons like a turbo engine increase the car's value and the chance of theft, so it is important to carry the best auto insurance coverage possible on your turbo vehicle.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Oct 25, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Full Coverage for Turbo Cars
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Full Coverage for Turbo Cars
A.M. Best Rating
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13,128 reviewsCompany Facts
Full Coverage for Turbo Cars
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsAAA, Geico, and Progresive have the best auto insurance for turbo cars.
Many people enjoy fixing up their cars by adding features such as new radios, external accents like high-level spoilers, risers, and even turbochargers to rev up the engine and get their vehicles noticed.
Our Top 10 Company Picks: Best Auto Insurance for Turbo Cars
| Company | Rank | Multi-Vehicle Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | A | Membership Discount | AAA |
 | #2 | 15% | A++ | Cheap Rates | Geico |
 | #3 | 20% | A+ | Online Convenience | Progressive |
 | #4 | 10% | B | Many Discounts | State Farm |
 | #5 | 10% | A+ | Add-on Coverages | Allstate |
 | #6 | 10% | A+ | Usage Discount | Nationwide |
 | #7 | 15% | A++ | Military Savings | USAA |
 | #8 | 15% | A | Local Agents | Farmers |
 | #9 | 10% | A++ | Accident Forgiveness | Travelers |
 | #10 | 12% | A | Customizable Polices | Liberty Mutual |
If you make such additions to your vehicle, you are required to report any changes you make to your auto insurance company immediately after making the changes, as adding onto your vehicle can add value to your car, and it can be harder to fix or replace if you add certain features.
Read on to learn about the best auto insurance companies for modified cars with a turbo engine. Save on turbo car insurance today by comparing rates from top companies in your area with our free tool.
- AAA has the best car insurance for turbo cars
- You must report any add-ons like a turbo to your insurance company
- Comprehensive insurance will cover your turbo car for theft, vandalism, and weather
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#1 – AAA: Top Pick Overall
Pros
- Membership Benefits: AAA Members get more than just roadside assistance. They also get discounts for shopping and traveling.
- Multi-Policy Discount: You can also buy home or life insurance from AAA.
- Local Agents: AAA has multiple local agent branches in each state. Read more in our AAA review.
Cons
- Membership Fees: There is a membership fee in addition to the turbo auto insurance rates.
- Services Depend on Location: Regional clubs operate AAA services, so there may be variations across locations.
#2 – Geico: Best for Financial Stability
Pros
- Financial Stability: Your auto turbo insurance will be backed by one of the highest-rated companies for financial strength.
- Online Experience: Easily manage your turbo policy online. Learn more in our Geico auto insurance review.
- Roadside Assistance: Easily add onto your policy for your turbo car.
Cons
- Local Agents: There are fewer local agents available than at competitors.
- Coverage Availability: A few states may not sell every add-on coverage.
#3 – Progressive: Best for Online Convenience
Pros
- Online Convenience: Progressive has multiple online services, like its free budgeting tool.
- Coverage Variety: Purchase anything from rideshare insurance to custom parts insurance.
- Multi-Policy Discount: Progressive also sells products like home insurance or health insurance.
Cons
- UBI Rate Increases: Drivers who do poorly in the program can face rate increases.
- Customer Claims: Claims processing has had negative reviews. Read more in our Progressive auto insurance review.
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#4 – State Farm: Best for Many Discounts
Pros
- Many Discounts: Save on the cost of your turbo car insurance with at least one or two discounts.
- Financial Reputation: State Farm has a sound financial rating. Learn more by reading our State Farm auto insurance review.
- Agent Network: Seek personalized assistance for your turbo vehicle policy.
Cons
- Credit Score Rate: Some states allow State Farm to increase rates based on credit score.
- Accident Forgiveness: It is difficult to qualify for accident forgiveness.
#5 – Allstate: Best for Add-On Coverages
Pros
- Add-On Coverages: Round out your basic policy with specialized coverages. See what Allstate offers in our Allstate review.
- Pay-Per-Mile Insurance: Switch to pay-per-mile coverage at Allstate if you don’t drive often.
- Good Driver Discount: Good drivers will get the best deals at Allstate on turbo coverage.
Cons
- High-Risk Rates: Drivers should only shop at Allstate for turbo insurance if they are safe drivers with decent driving records.
- Claim Reviews: Allstate has some negative reviews despite its claim satisfaction guarantee.
#6 – Nationwide: Best for Usage Discount
Pros
- Usage Discount: Nationwide offers a usage-based discount to low-risk drivers.
- Coverage Variety: Learn about the variety of coverage choices in our Nationwide review.
- Deductible Reduction: Each claims-free policy period will reduce your deductible.
Cons
- Not Sold in Some States: A small amount of states don’t carry Nationwide.
- DUI Rates: Nationwide hikes up rates substantially for drivers with one or more DUIs.
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#7 – USAA: Best for Military Savings
Pros
- Military Savings: Having a USAA membership offers additional savings to military customers. Read our USAA auto insurance review to learn more.
- Roadside Assistance: 24/7 help if your turbo engine breaks down and you need a jump or tow.
- Multi-Policy Discount: You can also purchase home insurance from USAA.
Cons
- Eligibility: USAA’s cheap auto insurance is sold only to military and veteran customers.
- Local Support: Most customer support will be available through online representatives.
#8 – Farmers: Best for Local Agents
Pros
- Local Agents: Learn what support local representatives can provide in our Farmers review.
- On Your Side Review: An annual service where you can work with an agent to perfect your coverage and rates.
- Good Driver Discount: An easy way to save on your turbo car insurance.
Cons
- Claim Reviews: Claims processing has been rated poorly by a few customers.
- Limited Online Tools: Some tasks will have to be done through an agent rather than online.
#9 – Travelers: Best for Accident Forgiveness
Pros
- Accident Forgiveness: A simple way for safe drivers to avoid increased rates. Learn more by reading our Travelers auto insurance review.
- Multi-Policy Discount: Travelers also offers products like home insurance.
- Flexible Deductibles: Adjust your rates by changing your deductibles on coverages.
Cons
- Young Driver Rates: Avoid if teens purchase their own policy, as rates are higher than competitors.
- UBI Rate Increases: Poor program performance will result in a rate increase.
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#10 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Policies: Learn what coverage options you have for policy customization in our Liberty Mutual review.
- 24/7 Support: Help with your turbo car insurance policy at any time.
- Military Discount: Save at Liberty Mutual if you are a service member.
Cons
- High-Risk: Have multiple violations on your driving record? Liberty Mutual may not be the best choice for you.
- Claim Reviews: Claims processing has some negative feedback from unhappy customers.
Reporting Turbo Add-Ons to Insurance
So what is a turbo engine vs normal engine, and how do turbo engines work? Turbocharging is a process by which the engine is rebuilt to create more power and fuel efficiency using exhaust gasses to create more power and is capable of traveling at much higher speeds. The add-on part needed for a turbo engine is called a turbocharger. Cars that you buy usually do not come with this add-on. You have to purchase one from an auto trade dealer.
If you add a turbo to your car, you should report it to your insurance company immediately after adding it.
Are turbo cars more expensive to insure? It is one of the factors that may make your auto insurance premiums go up, but if you do not report it and then make a claim to repair it, they may not honor your claim (learn more: Factors That Affect Auto Insurance Rates). There are two main reasons that car insurance companies require you to report it with an insurance declaration when you add to your vehicle, which we go over below.
Add-ons Create Additional Value for Replacement
Turbo cars cost more for insurance companies to replace. The parts are smaller, but they are expensive to repair or replace when damaged. Each add-on could potentially raise the amount you would need to replace or repair if you were in an accident or if your car was stolen.
This costs insurance companies additional money when you file a claim, which increases their loss ratio. Is it illegal to turbo your car? No, but it is important to report it to your insurance company. Insurance providers will charge you higher premiums if you add aftermarket equipment to your vehicle, but it could be considered fraud if you fail to report it.
Add-ons Can Increase the Chance of Theft
Just by adding certain features, you may invite theft of your vehicle, so it’s important to consider the pros and cons of turbo engines. Depending on the area in which you live, your risk of theft from vehicles with add-ons is greater than those without such additions.
Because of these reasons, it’s likely your auto insurance premiums will increase even on cheap turbo cars, but it’s important to report so that your claim isn’t invalidated.
Tips on Finding the Best Turbo Auto Insurance
If you have a turbocharged car or are considering adding one, you should keep the following things in mind. First, if you have a turbo engine, there is considerably more cost in replacement if you have an accident or are a victim of theft.
Therefore, it is important to shop and compare insurance companies’ rates so that you will have a better idea of what types of companies offer the best premiums, as well as the coverages you need for your special car.
At the very least, you must carry the state minimums in liability and personal injury. At the best car insurance companies for turbo cars, you can expect to pay the following for state minimum or full coverage.
Auto Insurance Monthly Rates for Turbo Cars by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $85 | $149 |
| Allstate | $77 | $175 |
| Farmers | $80 | $210 |
| Geico | $65 | $155 |
| Liberty Mutual | $89 | $216 |
| Nationwide | $73 | $185 |
| Progressive | $74 | $169 |
| State Farm | $83 | $173 |
| Travelers | $77 | $202 |
| USAA | $78 | $195 |
If you can afford full coverage, we recommend it, as it includes comprehensive coverage. Remember that cars with special add-ons, such as turbochargers and other items, are more prone to theft. People may try to steal your turbocharger while your vehicle is parked and resell it or use it in their car.
If you live in a high-crime area or any area where theft could occur, make sure your turbo vehicle has comprehensive coverage.Brandon Frady Licensed Insurance Agent
Car insurance was created for accident coverage and loss of life, personal injury, and property damage, but it will only pay for accidents. Getting comprehensive auto insurance is the only way you can protect your car from hail, storms, floods, theft, and other external factors that cause damage.
Other Turbo Car Insurance Coverages To Consider
When you have a special car, you should consider it an investment. Insurance is designed to protect you from financial loss in the event of an accident. But you also need to cover the loss in other instances such as theft, vandalism, or weather damage.
You never know when an event could occur that would threaten your investment.
If you have spent a great deal of time sprucing up your car, you don’t want to lose all of the money you’ve put into it by failing to have proper coverage. Get quotes from top companies like Geico to see how much extra coverage you can afford.
If you have a car with turbochargers, some of the other coverages you may want include:
- Medical Coverage: Medical coverage is optional medical coverage that you can get through your car insurance company that pays in addition to your medical insurance in the event of an accident. Insurance cannot pay twice, so if your medical plan covers everything, you would not need it. But in those cases when your insurance is not enough, it may come in handy.
- Rental Reimbursement Insurance: Car rental insurance allows you to have a rental car free of charge if you have an accident that requires the repair of your vehicle. This keeps you from losing additional work time and allows you a way around while your vehicle is being repaired.
- Roadside Assistance: Roadside assistance allows you to have help on the road if you are stranded on the side of the road. This is helpful insurance if you are on the road a lot and may be a good idea for frequent travelers.
Ask for a free quote on our website and look at the various optional coverages as well.
How to Save on Turbo Car Coverages
If you’ve decided to invest in a full coverage policy, you probably want to know how to save on your coverage costs. One thing you can do is make sure you are applying the best discounts to your policy.
Comparing quotes for your turbo car from these best companies will help you see which discounts will save you the most on your policy.
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The Final Word on The Best Turbo Auto Insurance
With all insurance, you should always weigh the risk against the cost of the premiums. It is recommended that you carry a cheap full coverage auto insurance policy on most turbo cars. By shopping and comparing policies and companies, you will be able to find the best policy and company for your turbo car.
Make sure your coverage for your turbocharged vehicle is adequate. Compare rates online now with our free quote tool.
Frequently Asked Questions
Are turbocharged vehicles more expensive to insure?
Turbocharged vehicles are often more expensive to insure compared to their non-turbo counterparts. This is primarily because turbocharged engines typically have higher performance capabilities, which can increase the risk of accidents and potential damage. Additionally, turbocharged vehicles may require specialized repairs and replacement parts, contributing to higher insurance costs.
Does the make and model of a turbocharged vehicle affect insurance premiums?
Yes, the make and model of a turbocharged vehicle can significantly impact insurance premiums. Insurance companies consider factors such as the vehicle’s performance, safety features, repair costs, and theft rates when determining premiums.
Generally, high-performance or luxury turbocharged vehicles tend to have higher insurance premiums compared to cheap turbocharged cars. If you choose a cheap car to turbo, it will be easier to get cheap insurance (read more: Compare Auto Insurance Rates by Vehicle Make and Model).
Can modifications to a turbocharged vehicle affect insurance rates?
Yes, modifications to a turbocharged vehicle can impact insurance rates. Some modifications, such as upgrading the turbocharger or modifying the engine for increased performance, may increase the risk of accidents or mechanical failures. Insurance companies may consider these modifications as higher risk and adjust premiums accordingly. It’s crucial to inform your insurance provider about any modifications to your turbocharged vehicle to ensure proper coverage.
Are there any specific insurance requirements for turbocharged vehicles?
Turbocharged vehicles typically have the same basic insurance requirements as non-turbocharged vehicles. The specific insurance requirements vary by country, state, and insurer (learn more: How much car insurance do I need?).
However, some insurance providers may require additional coverage due to the higher value or specialized repairs associated with turbocharged vehicles. It’s important to review your policy or consult with your insurance provider to ensure you have adequate coverage.
Can a turbocharger be covered under comprehensive insurance?
Comprehensive insurance typically covers damages to your vehicle caused by non-collision events such as theft, vandalism, natural disasters, or falling objects. However, coverage for a turbocharger specifically may vary depending on the insurance policy.
Some policies may include coverage for turbocharger damage or failure, while others may require a separate endorsement or add-on coverage. It’s advisable to review your policy or consult with your insurance provider to understand the extent of coverage for your turbocharger.
Does my driving record affect insurance premiums for turbocharged vehicles?
Yes, your driving record plays a significant role in determining insurance premiums for turbocharged vehicles, just as it does for any other vehicle. If you have a history of accidents, traffic violations, or speeding tickets, insurance companies may consider you a higher risk and charge higher premiums.
Maintaining a clean driving record can help lower your insurance costs for turbocharged vehicles, along with other factors such as your age, location, and credit history.
Are there any discounts available for insuring turbocharged vehicles?
Some insurance companies offer discounts specifically for insuring turbocharged vehicles. These discounts may be available for various reasons, such as having advanced safety features, anti-theft devices, or completing defensive driving courses.
Bundling your auto insurance with other policies, such as homeowners or renters insurance, can often lead to discounted rates (read more: How to Save Money by Bundling Insurance Policies). It’s recommended to inquire about available discounts with your insurance provider to lower your premiums.
How can I find the best insurance rates for my turbocharged vehicle?
To find the best insurance rates for your turbocharged vehicle, consider the following steps:
- Shop Around: Obtain quotes from multiple insurance providers to compare rates and coverage options.
- Research Insurers: Look for insurance companies experienced in insuring high-performance or turbocharged vehicles.
- Review Coverage Needs: Determine the coverage levels and deductibles that suit your requirements and budget.
- Consider Discounts: Inquire about any available auto insurance discounts specifically for turbocharged vehicles or other applicable discounts.
- Seek Professional Advice: Consult with an insurance agent or broker specializing in auto insurance for turbocharged vehicles to ensure you have the appropriate coverage at the best possible rates or ask what are the best cars to add a turbo.
Following these steps will help most drivers find the best possible rates on their turbo auto insurance coverage.
How much does a turbo increase insurance?
Wondering how much does a turbo add to insurance? The answer is the insurance turbo cost for a car depends on your turbo model, the insurance company, and your driving record. The best way to determine your exact cost for the best cheap turbo cars is to shop for quotes. You can compare quotes with our free tool today to find the best rates for your turbo car.
Does turbo increase MPG?
Generally, a turbo charged engine does not increase MPG.
Are turbo engines reliable?
It depends on the type of vehicle and turbo. So do your research into a 4 cylinder turbo vs v6 turbo, or a Mercedes 4-cylinder turbo engine review vs. a Toyota 4 cylinder turbo review.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
