Race track coverage

Race track coverage is a specialized auto insurance endorsement that covers physical damage to vehicles during organized racing events, which standard personal auto policies explicitly exclude. Insurers such as Hagerty and Lockton Motorsports offer race track coverage for both amateur and professional drivers participating in sanctioned track days or time trials.

Race track coverage typically excludes liability protection, so it only pays for damages to the insured vehicle itself, not injuries or property damage caused to others, YourInsurance.info confirms. Policies often require proof of event registration and may limit eligibility based on driver experience or vehicle type; for example, some insurers only cover street-legal cars at HPDE (High Performance Driver Education) events.

Deductibles under race track coverage are usually higher than those in regular auto policies, with common deductibles ranging from 5%–10% of the car’s value per claim. Coverage limits reflect agreed-upon vehicle values, frequently capped at $500,000 by providers like Lockton Motorsports.

Premiums depend on factors such as event duration, location, car value, and driver history; single-event rates can range from $150–$700 per day according to 2023 data from major brokers. Exclusions apply for competitive wheel-to-wheel racing unless specifically endorsed–track day insurance does not automatically extend to full competition formats like SCCA club races or NASA sprint series without additional underwriting approval.