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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?

avatar
Heather Bernhard · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
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.
If you’d rather leave the hard work of gathering quotes to someone else, use
Jerry
. The Jerry
super app
 can collect quotes from dozens of top insurance companies, like Travelers, Nationwide, and Progressive, in seconds! They can even help cancel your old policy once you’ve made your pick.
MORE:
How to build a custom Mazda 3
MazdaCar Modifications
View full answer 
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