How Tuning Affects Your Insurance Premium
Car modifications affect insurance in two ways: they increase the vehicle's replacement value (affecting comprehensive and collision coverage) and may increase risk classification (affecting liability rates). Performance upgrades like engine tuning signal higher-risk driving behavior to insurers.
This calculator estimates how much of the modification cost is added to vehicle value (30–70% depending on mod type) and scales your current premium by the same proportion. Always contact your insurer for an accurate quote after any modification.
Frequently Asked Questions
No — it's an estimate for planning purposes. Actual premiums depend on your insurer, driving history, location, and the specific modifications. Contact your insurer for exact figures.
Non-disclosure can result in a denied claim or policy cancellation. In some cases it may be considered insurance fraud. Always declare modifications upfront.