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What types of modifications affect car insurance the most?

I don't want to pay higher premiums because of modifications. What changes can I make that won't affect my rates?

avatar
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Modifications that add significant value to your vehicle, or make your vehicle more susceptible to theft, may affect your
car insurance
rates. These can include modifications such as:
  • An upgraded stereo
  • Turbo engine
  • Electronic accessories
Your insurance could increase when adding these modifications because you’ll likely need additional coverage. If you upgrade your stereo, you may want to add
sound system coverage
or custom parts and equipment coverage.
If you don’t already have
comprehensive coverage
, you may also consider adding it to protect your vehicle from theft.
Minor modifications, such as paint or tinted windows, are unlikely to affect your rates. That said, you can always inquire with your current insurance company to see how modifications could impact you.
If you decide you’d like custom coverage or are unhappy with the rate your current company is offering for it, try the
Jerry
app. Jerry finds the most affordable policies from up to 50 top insurance providers and delivers the best deals to your phone in minutes for free.”
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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