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Insuring your high-end or luxury car

Do you have a vehicle that's considered high-end or luxury? Learn how to get the right insurance to protect your car.

Man holding door of luxury car

Looking to insure a high-end or luxury car such a Porche, Cadillac, or BMW? Getting coverage for a high-end or luxury car isn't difficult, however, you'll want to discuss options with your insurance company or agent who can help you get the coverage you need.

Keep in mind, insurance for a high-end or luxury car is different from getting insurance on a car that's considered classic, antique, or exotic.

Is there specific insurance for high-end cars?

In general, most insurance companies don't offer separate auto insurance policies for high-end or luxury cars. However, a standard auto insurance policy can be customized to fit your needs. For example, you can ask about higher limits, as well as endorsements for protecting specific features of your vehicle.

What types of auto insurance coverage should I consider for my high-end car?

A standard auto insurance policy includes all the basic coverages. However, for a high-end car, you may want to make sure you add Comprehensive and Collision Coverage to your policy. Given the high cost of parts and labor to repair high-end cars, these coverages can help regardless of fault.

Other optional coverages to consider include

  • New Car ReplacementTM Insurance: if your new car is stolen or totaled in the first year, you'll get the money for a brand-new car, not just the depreciated value.1
  • Original Parts Replacement: Replace any damaged parts to your vehicle with parts that meet the highest quality standards.2
  • Gap Insurance Coverage: helps pay the difference between what's owed on a vehicle loan and the actual value of it, if it's stolen or a total loss.

Is car insurance for a luxury car more expensive?

Buying auto coverage for a luxury car will generally cost you more due to the cost to replace a high-end vehicle. It also costs more in parts and labor to repair these types of luxury cars when they become involved in an accident.

Other price factors when it comes to what you'll pay for insurance can include your

  • Driving record
  • How often you drive your car
  • Age
  • Where you live

How can I reduce my insurance premiums for my high-end or luxury car?

Much like a standard auto insurance policy, there are ways you can help reduce your cost. Some common things are

  • Increase your deductibles
  • Install a theft deterrent device like an alarm
  • Use a telematics program like Liberty Mutual's RightTrack
  • Bundling your car and home insurance with 1 insurance company

See how much you could save on car insurance when you only pay for what you need.

You could save up to 12% when you buy customized car insurance online

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Please note: Information presented on this page is intended to be general information about insurance and is not specific to Liberty Mutual policies. Policies and coverages vary by state and insurer. Contact your insurance company to understand specifics regarding your policy and coverages.

1Optional endorsement. Applies to a covered total loss. Your car must be less than one year old, have fewer than 15,000 miles, and have had no previous owner. Does not apply to leased vehicles or motorcycles. Subject to applicable deductible. Availability may vary by state.
2Genuine OEM Replacement Parts available except where prohibited by state law.