Can I insure a Mazda 3 hatchback that’s been modified?

I want to upgrade the suspension on my car, but I’m afraid it won’t be covered by my insurance. Can you tell me if a standard auto insurance policy will cover a Mazda 3 hatchback that’s been modified?

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Answer provided by
Heather Bernhard
Answered on May 05, 2022
No matter what type of vehicle you have, the answer to that question is likely a resounding “no.” Still, that doesn’t mean you can’t insure a modified Mazda 3 hatchback—you’ll just need some special coverage.
A standard car insurance policy usually covers the repair or replacement of your vehicle at fair market value. Basically, if your car is totaled, you will not receive compensation for any upgrades.
As an alternative, you could look into getting a modified car endorsement, which can cover aftermarket parts at up to a specific value. You will likely have to work with an appraiser to determine the value of your modified parts, and the premium will cost more than a standard policy, but you will get the coverage you need.
Before modifying your Mazda 3 hatchback, shop around for a car insurance policy that offers the coverage you need at the best rate possible.
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