Your regular auto policy almost always excludes closed-course events. Here's what actually covers you.
Most personal auto policies have a "racing/track use" exclusion — if you wreck on track, you're on your own. On-track / HPDE insurance is sold per-event or per-season to cover the gap. Always read the exclusions.
The most popular track day insurance. Fast online quotes, same-day binding. Covers your car from track entry to exit — including paddock. Two drivers per event at no extra cost.
Visit →Backed by RLI (A+ rated). Agreed-value coverage — you set what your car is worth. Covers HPDE, track days, and time trials. Official SCCA Track Night partner. Includes towing, rent
Visit →Unique because they offer optional LIABILITY coverage up to $2M — most others only cover your car. Covers street-legal and non-licensed track cars, rentals, and exotics. Available
Visit →Simple, straightforward HPDE and track day coverage. Covers vehicles up to $240K in value. Fills the gap your regular auto policy leaves when you hit the track.
Visit →A+ rated carrier that underwrites for Hagerty and others. Also sells direct. Single-event HPDE and competitive time trial coverage. Simple deductibles — price you see is what you p
Visit →Full-spectrum motorsports insurance. Covers everything from HPDE to amateur racing. Specializes in exotic and high-value cars on track. Day, event, or annual policies. Partners wit
Visit →Comprehensive track day coverage for HPDE and non-competitive events. Emphasizes quality coverage over cheap premiums. Covers physical damage and optional liability.
Visit →HPDE insurance through the National Corvette Museum's insurance arm. Partners with Lockton and OpenTrack. Popular with Corvette and sports car owners.
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