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What classifies a sports car as such for insurance purposes?

The classification of a car as a sports car, family car, etc will depend upon the definitions set forth by an insurance company. Each insurance company has its own vehicle classification system that is typically based upon ISO (Insurance Services Office) VIN system or other company proprietary ranking systems.

Both foreign and domestic private passenger autos are classified as a vehicle type - sports car, high performance, luxury, van, truck, convertible, etc. Each of the following items helps determine a vehicle's classification as a sports car or other type of vehicle:

  • Engine Type
  • Manufacturer
  • Body Style
  • Engine Size
  • Full Model Name
  • Model/Series
  • Body
  • Engine
  • Cylinders
  • Restraint
  • Restraint Indicator
  • Anti-lock
  • Transmission
  • Other Options
  • Daytime Running Lights
  • Wheel Base
  • Class Code
  • Anti-Theft
  • Curb Weight
  • Gross Vehicle Weight
  • Height
  • Horsepower

Typically if it looks and acts like a sports car, it will mostly be classified as a sports car or high performance vehicle. If you are interested in purchasing a vehicle which you think might be considered a sports car check with your insurance agent to find out how the vehicle will defined by their specific guidelines. You click here for a sports car insurance quote and a free car insurance estimate.

  • auto insurance quote
  • Car insurance comparison

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3 Responses to "What classifies a sports car as such for insurance purposes?"
  1. Anonymous

    All of these things are important to consider when looking to insure a sports car. Safe vehicle discounts rarely apply to sports cars, but be sure to check with your insurance provider. Remember, "a penny saved is a penny earned!"

  2. Anonymous

    Did not help me find Insurance for a sports car

  3. Anonymous

    didnt help me figure out if the car i want is a sports car