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Learn more about sports car insurance in Canada.

No matter what type of vehicle you decide to drive in Canada, you’re going to need insurance for it. The catch? Your vehicle type will impact how much you pay to insure it — and if you want a sports car, it won't be cheap to insure it.

Because of their sophisticated technology and expensive design, sports cars don’t come with low insurance rates. In fact, they’re generally more expensive to insure than SUVs, cars, or trucks.

But don’t worry. We’ve got all the information you need about how to insure a sports car — and how to save money while doing it. Read on to find out more.

Front view of a car. Illustration.

See how our customers save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from January 25, 2022
Male, 79 years old
Lowest Rate
Average Rate
Quote from January 24, 2022
Male, 37 years old
Lowest Rate
Average Rate

Your questions about sports car insurance, answered

What is sports car insurance?

Sports car insurance is intended for high-performance vehicles. It’s similar to that of regular cars in terms of coverage. You’ll still get liability and accident benefits, with the option of purchasing collision and comprehensive. But where sports car insurance differs is in the limits of these coverages. Because sports cars are more expensive to buy and, therefore, more expensive to repair, the limits tend to be higher for coverage, which can drive up your premium.

Do sports cars have higher insurance rates?

Yes. Sports cars are built for speed. Because of that, they feature fewer safety features and are generally seen as riskier to insurance companies. Because of their sleek design and advanced technology, sports cars are more expensive to repair, which means they come with a higher price tag on insurance. That price tag can increase even further if you’re under the age of 25. Sports car insurance is expensive for young drivers since you’re combining fewer years of driving experience with an expensive vehicle that’s costly to repair.

The good news is that you can still save money by comparing sports car insurance rates online.

How much is insurance for a sports car?

It’s not possible to pin down the exact cost of insurance for a sports car because it will vary greatly depending on the make, model, and year of your sports car. But we can tell you that it’s going to be challenging to find sports cars with cheap insurance rates. You should expect to pay more than those who drive traditional vehicles, like cars, trucks, and SUVs.

What cars are considered sports cars for insurance?

Every insurance company will define what constitutes a sports car a little differently, but typically, sports cars can be classified as light-weight, low-profile vehicles that feature only two doors, and have more horsepower and higher performance capabilities than traditional vehicles. Sports cars are also more expensive to purchase than regular cars.

Do all insurance providers offer sports car insurance?

Yes, all insurance providers offer car insurance for high-performance vehicles. But what you pay will differ from company to company. In order to ensure you’re getting the best insurance rate for your sports car, use the quoter.

How can I get cheap car insurance for my sports car?

It can be challenging to secure low insurance rates with a sports car. But the good news is: it’s not impossible. The best way to lower the cost of insurance on your sports car is by not taking the first offer that’s presented to you.

Every insurance company will have different insurance rates for sports cars. Your job is to shop around for the best one that fits your needs. At, you can get a quote for sports car insurance from more than 30 insurance providers.

And while it’s true that fast cars don’t come with low insurance, that doesn’t mean there aren’t other ways to save.

There are other ways you can lower your rates, too:

  • Buy a used sports car instead of a brand new one
  • Maintain a clean driving record/be claims-free
  • Wait until you’re over the age of 25 to buy a sports car
  • Opt for a higher deductible
  • Install an anti-theft device on your sports car
  • Maintain low mileage

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