Will modifications make my car insurance more expensive?

How will modifications affect my policy? I finally have my Mitsubishi Lancer up and running and now it's time to add some sick custom work. My GEICO agent said to let her know what modifications I intend on doing, but I don't want to have my policy canceled or have the rate too high.

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Shannon Martin
Answered on Jul 08, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Any time you make changes or modifications to your vehicle, you will want to inform your insurance carrier.
Most of the time, modifications are not covered, but GEICO is one of the few carriers that will provide coverage for most customizations by adding an endorsement. Here are some examples of what can be covered:
  • Enhanced tires and rims
  • Running boards
  • Accent lights
  • Dvd, speakers, and sound system
  • Custom paint job
  • Interior work
If upgrades are not reported to the carrier, they will not be covered in the event of a claim.
Some modifications will not be considered at all and can result in the policy being canceled. Any change that impacts the speed of the car is a red flag for street racing and not something carriers want to insure.
Be careful of modifications such as:
  • Turbocharger or Supercharger
  • Lower suspension
  • NOS system
As long as you stay away from anything that would indicate street racing, your policy will not be canceled. The cost to insure modifications can vary and will depend on the cost of parts and labor.”
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