Can I insure a lifted Honda Civic?

I’m thinking about lifting my car, because I’m *really* into the aesthetic, but I’m afraid it’ll change my car insurance. I don’t want to make any modifications if it’s going to end up costing me hundreds more in insurance coverage. So, can I insure a Honda Civic without paying an arm and a leg?

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Answer provided by
Heather Bernhard
Answered on May 05, 2022
Most vehicle modifications will change your insurance premium, and lifts are no different. So, while your carrier may not drop you, they probably will charge you more for a lifted Honda Civic.
The bottom line is this: a lift kit and tires will cost you hundreds (if not thousands) of dollars.
Most insurance policies are written to repair or restore a vehicle to “factory-built” conditions or replace it at “fair market value.” Therefore, they will not cover your costly upgrades unless you purchase a modification endorsement (and even those have limits).
Before modifying your car, speak with your insurance agent. Insurance companies have lift kit height limitations that typically range from 2”-6”. Exceeding these limits can void your comprehensive coverage, collision coverage, or even your entire insurance policy.
Every insurance company is different, so it is best to speak with your insurance provider to determine what will and will not be covered.
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