Insurance Built for Modified Cars & Hoonigan Culture
Standard insurance wasn’t built for a built car. We write agreed-value coverage for drift builds, show cars, track day machines, restomods, and JDM builds — with every modification disclosed and covered. The carriers that get it. The agents who know what it’s worth.
Agreed Value Coverage
Engine swaps · Cages · Custom Paint
Paid what it’s worth — not stock ACV
Coverage Options
Coverage for Every Kind of Build
Five purpose-built policies for modified vehicles — from a street-driven turbo build to a full-cage drift car. Agreed value, mods disclosed, no ACV fights.
The Problem
Your stock-priced policy is worthless for a built car.
Standard insurers built their policies for stock commuters. The moment your car has real modifications, those policies quietly stop protecting what you actually built — and they don’t tell you until the claim is denied.
Paid at stock value, not build value
Standard auto pays actual cash value of the stock vehicle. The $30,000 you put into the motor, suspension, and paint is invisible to the claim check.
Undisclosed mods void the claim
Forget to list a turbo, a cage, or an engine swap on a standard policy? Carriers can deny the entire claim citing “undisclosed modifications.”
Track & event use excluded
Standard auto explicitly excludes on-track and competitive use. One incident during an HPDE or drift day and you’re paying out of pocket.
Cages, swaps & salvage declined
Roll cages, engine swaps, and salvage or rebuilt titles get flat-declined by most standard carriers — exactly the builds that need coverage most.
The real-world result
A $40,000 build can be reimbursed at $2,500 — if it’s covered at all.
20+ yrs
50-state licensed
Why CCA
Built for builders, by people who know builds
We’re not a direct writer trying to fit your car in a stock-value box. We place modified vehicles with specialty agreed-value carriers — and we know what a drift build and a show car are actually worth.
Enthusiast Specialists, Not Generalists
We know agreed value for a caged S13, a six-figure paint show car, and an LS-swapped restomod. We don’t Google your build’s value at claim time.
Specialty Markets Only
Access to collector and enthusiast carriers that actually underwrite modified vehicles — not standard auto markets that cap custom parts at $1,500 and exclude every mod.
Mods Disclosed, Mods Covered
We document your full build up front — engine swaps, cages, forced induction, custom paint — so nothing gets denied as “undisclosed” after a loss.
Same-Day Certificates
A show or event needs proof of insurance by tomorrow? We issue ACORD certificates and additional-insured endorsements the same day.
Licensed in All 50 States
Whether your build lives in a garage in Cali or you track it three states over, we bind coverage exactly where you need it.
Claims Advocacy
When a loss happens, we’re in your corner — not a carrier call center that has never heard of an angle kit or a front-mount intercooler.
How It Works
Get Your Build Insured in 3 Steps
From first conversation to bound agreed-value coverage — a process built for builders who would rather be driving than chasing paperwork.
Tell Us About Your Build
A few quick questions: the car, what’s been modified, estimated total value (parts + labor), how it’s used, and any title history.
We Shop Specialty Markets
We take it to the agreed-value carriers that actually underwrite modified vehicles — and bring back competitive options with your mods fully covered.
Get Insured Today
Bind coverage at an agreed value that includes every modification. Certificates and additional-insureds issued the same day.
Coverage Breakdown
Specialty vs. Standard Auto
Where a stock auto policy stops short, a purpose-built modified-vehicle policy picks up — feature by feature.
Specialty Build Policy
Recommended
Standard Auto
Typical
Agreed value — no depreciation debate
Engine swaps & forced induction covered
Roll cages & safety equipment valued in
Custom paint & bodywork at full value
Salvage / rebuilt titles eligible
Transit coverage to shows & events
Mods disclosed up front — no claim denial
No $1,500–$5,000 custom-parts cap
Years Placing Specialty Auto Insurance
Licensed Nationwide
Enthusiast Vehicles Insured
Quote Turnaround
From the Blog
Guides for builders & enthusiasts
Frequently Asked Questions
Modified Car Insurance, Answered
Real answers from specialists who know builds — not a chatbot guessing at what a roll cage or an LS swap is worth.
Agreed value means you and the insurer agree on the total value of your vehicle — including all modifications — before any loss occurs. If the car is totaled, you receive that agreed amount with no depreciation deduction. Modified cars need agreed value because standard ACV policies pay the stock vehicle's market value and ignore every dollar you've put into building it.
Still have questions? Talk to a modified-vehicle specialist.
Your $40,000 build deserves better than a stock-market-value claim.
Get a true agreed-value quote in minutes — with every modification disclosed and covered. Same-day binding, same-day certificates, 20+ years protecting modified vehicles.