Are you a car enthusiast living in Florida? If so, you may have considered making modifications to your vehicle. But before you do, it’s important to understand how car modifications can impact your insurance rates. In Florida, the type of car modifications you make can have a direct effect on your insurance rates. We’ll explain why and how to ensure you’re getting the best rate for your modified car.

Understanding Car Modifications and Insurance in Florida

In general, car modification refers to any changes made to a vehicle that alter its original manufacturer’s specifications. These modifications can enhance the car’s performance or be purely cosmetic. Examples of car modifications can include, but are not limited to:

  1. Engine tuning: This is done to increase the car’s speed and acceleration. It could involve replacing parts of the engine or modifying existing parts.
  2. Suspension modifications: These can alter the car’s handling and are often done to lower the vehicle for aesthetic reasons or to improve performance.
  3. Body modifications: These are usually for aesthetic purposes and can include adding spoilers, body kits, and custom paint jobs.
  4. Interior modifications: These can include changing the seats, steering wheel, pedals, or adding custom lighting.
  5. Exhaust system modifications: Some car enthusiasts modify their car’s exhaust system to change the sound it makes or to improve performance.
  6. Wheel and tire modifications: Changing the size or type of the car’s wheels and tires can impact the vehicle’s performance and look.

In Florida, like in many other states, certain car modifications are considered illegal due to safety or environmental concerns. For example, if a car is too low and scrapes, it can be deemed an unsafe vehicle and may be ticketed or even impounded. So, while car modifications are popular among car enthusiasts, it’s important to ensure they comply with all local and state laws.

The Impact of Major Car Modifications on Insurance Rates

Car modifications can significantly affect your insurance rates in Florida. Insurers consider the increased risk associated with modified cars when determining your premium. Here’s how and why certain modifications may impact your rates:

  1. Performance Enhancements: Modifications that boost a car’s speed or performance, such as engine tuning or turbocharging, often lead to higher insurance premiums. This is because they can increase the likelihood of accidents or attract thieves. Also, these modifications can make the car more expensive to repair or replace.
  2. Body and Interior Modifications: Changes like custom paint jobs, body kits, or luxury interior upgrades can also raise your rates. If these modifications increase the value of the car, they can make it a more attractive target for theft. They can also be costly to replace or repair in the event of an accident.
  3. Audio/Visual Equipment: Adding high-end audio or visual equipment can increase your car’s value and its appeal to thieves, which can result in higher insurance premiums.
  4. Safety Modifications: On the flip side, some modifications can lead to lower insurance rates. For instance, adding extra safety features like anti-lock brakes or an advanced alarm system could potentially reduce your premium, as they decrease the risk of accidents or theft.

It’s important to note that not all insurance companies will insure modified cars, and those that do might require you to purchase additional coverage. Always inform your insurer about any modifications to ensure you’re fully covered in the event of a claim.

Please consult with your insurance agent or a licensed insurance professional in Florida to understand how specific modifications might impact your car insurance rates.

Do you have to tell insurance about car mods?

It’s generally recommended to inform your insurance company about any modifications you’ve made to your car in Florida. When adding a vehicle to an insurance policy or requesting quotes, insurers often ask if your vehicle has been modified or customized in any way.

Not reporting modifications to your insurance company can potentially lead to issues. For instance, if you have an accident and your insurer discovers unreported modifications, they could deny your claim. According to, not listing modifications on your policy can void it due to material misrepresentation.

Even if most insurance companies may not favor modifications, it’s crucial to ensure your modifications are properly covered. You should ask your agent to clarify any confusing policy language and request confirmation for your modifications’ coverage.

If you purchase a car that has been previously modified, you’ll need to inform your insurance company before adding it to your policy. By being truthful and detailed about any modifications made to your car, your provider can do an appropriate risk assessment and set your premium accordingly.

So, while it might be tempting not to report minor modifications to save on premiums, it’s typically in your best interest to fully disclose any changes you’ve made to your vehicle to ensure you’re adequately protected.

What Types of Car Modifications are Covered by Insurance?

Insurance companies can cover aftermarket car parts, but the specifics depend on your policy and the insurance provider. Some insurers offer endorsements that provide supplemental coverage for modifications and aftermarket components. Also, collision and comprehensive coverage may automatically include a small amount for aftermarket parts with some insurance companies2.

However, it’s important to note that standard car insurance policies do not automatically cover aftermarket performance parts or modifications you’ve added to your vehicle. You might need to purchase additional coverage for these parts, which can be expensive.

As for car insurance through the Culbertson Agency, our services do cover aftermarket parts under your auto insurance policy. However, we specify that if a car is repaired after an accident, the repairer may use original equipment manufacturer (OEM) parts, aftermarket parts, or reconditioned parts. The choice depends on the type of part and the availability in your area.

Always check with your insurance provider to understand what types of parts are covered under your policy, and consider purchasing additional coverage if necessary.

The Benefits of Customizing Your Vehicle

There are several benefits to customizing your vehicle in Florida:

  1. Improved Performance: Customizations can enhance your car’s performance. This can include modifications to the engine, suspension, or exhaust system.
  2. Unique Aesthetic: Customizing your vehicle allows you to create a unique aesthetic that reflects your personal style.
  3. Added Protection: Some modifications add protection to your vehicle. For example, a car wrap can protect the original paintwork from scratches and UV damage.
  4. Increased Satisfaction: Owning a vehicle that has been customized to your specifications can increase your satisfaction and enjoyment of the vehicle.
  5. Business Promotion: If you own a business, a custom car wrap can be an effective way to advertise your brand and services.
  6. Personalized License Plates: In Florida, you can order personalized license plates, which can make your vehicle more memorable and provide an opportunity for social commentary.
  7. Recognition for Hobbyist Cars: Florida recognizes the unique nature of modified vehicles as hobbyist cars, providing certain protections and exceptions under the law.

However, it’s important to remember that while customization can have many benefits, there are also legal restrictions on vehicle modifications in Florida. Always ensure that your modifications are legal and that they won’t impact your vehicle insurance.

Are there any restrictions on car modifications in Florida?

There are several restrictions on car modifications in Florida. These rules aim to ensure safety and limit noise pollution. Here are some of the key restrictions:

  1. Noise Limitations: Florida law requires all vehicles to comply with specific sound level limits from the sound system and mufflers. Modifying your car’s exhaust system to make it louder could be considered illegal.
  2. Frame Modifications: Certain changes to the frame of a vehicle may not be allowed. This includes extreme suspension modifications that significantly alter the vehicle’s height.
  3. Lighting Modifications: Almost any modification to lighting is considered illegal in Florida. This includes smoked lens covers and different colored lighting.
  4. Antique/Classic Car Modifications: Vehicles over 30 years old or made after 1945 are required to have antique plates. These vehicles might face additional restrictions.

Remember that these are general guidelines, and the specifics can vary. It’s best to check with local law enforcement or a legal expert if you’re unsure about a particular modification.

Additionally, keep in mind that failing to abide by these regulations can lead to fines, penalties, and potential issues with your insurance coverage.

Tips to Keep Your Insurance Rates Low with Car Modifications

If your vehicle has significant modifications or falls into a special category such as being a classic, antique, or custom-built car, standard auto insurance may not provide the coverage you need. In these cases, classic or collector car insurance might be a more suitable option.

Classic or collector car insurance policies often use an “agreed value” coverage model. This means that you and the insurance company agree upon the value of your car when you take out the policy. If your car is later totaled in a covered accident, the insurer would pay out this agreed-upon value.

This is different from standard auto insurance policies, which typically cover the actual cash value (ACV) of your car at the time of a loss. The ACV takes into account depreciation, so it could be significantly less than what you initially paid for the car or what it might be worth to collectors.

Our agents can offer classic car insurance that covers a wide range of vehicles, including:

  • Antiques and Classics: Cars that are generally over 25 years old and maintained primarily for use in car club activities, exhibitions, parades, or other functions of public interest.
  • Modern Classics: Vehicles from the 80s, 90s, and 2000s that have collectible value.
  • Muscle Cars, Sports Cars, and Race Cars: High-performance vehicles known for their speed and design.
  • Classic Trucks and SUVs: Older model trucks and SUVs that have become collectibles.
  • Modified Vehicles, Hot Rods, and Replicas: Vehicles altered from their original condition, custom-designed cars, and replicas of older models.
  • Custom Builds and Vehicles Under Restoration: Cars that are being customized or restored may also qualify for coverage.
  • Old Military Vehicles, Antique Tractors, and Retired Fire Trucks: These unique vehicles can also be covered under a classic car insurance policy.

It’s important to note that classic car insurance often comes with usage restrictions – for example, you might be limited in how many miles you can drive each year, and the vehicle might need to be stored in a secure location when not in use.

In conclusion, the benefits of car customization, from achieving unique aesthetics to business promotion, are numerous.

Florida recognizes the unique allure of these modified vehicles, providing certain protections for hobbyist cars.

However, owners must remember the legal restrictions in place for vehicle modifications, which are designed to ensure safety and limit noise pollution.

When making modifications, always ensure they are legal and do not impact your insurance coverage negatively. For vintage and heavily modified vehicles, considering a classic or collector car insurance policy might be beneficial.

While car customization can be an exciting endeavor, it should always be pursued responsibly, with adherence to all relevant laws and regulations.