Compare · Protect · Drive Flat Out
Compare Track Day
Insurance in Minutes
An independent comparison for HPDE drivers. See coverage limits, deductibles, and pricing from top track-day insurers side by side — then get a personalized quote.
How It Works
Get covered in three simple steps
From your car details to a personalized quote — no jargon, no pressure.
Tell us about your car and event
Quick form: your car value, track day details, and driver experience
See providers side-by-side
Compare coverage limits, deductibles, binding windows, and pricing
Get your quote
Choose the best provider and get covered in minutes
Popular Tracks
Coverage at America's premier circuits
Arizona Motorsports Park
Arroyo Seco Raceway
Atlanta Motor Speedway
Atlanta Motorsports Park
Auto Club Speedway
Autobahn Country Club
Trusted Providers
Compare top track-day insurers
We track leading providers who specialize in HPDE coverage, giving you the confidence to drive flat out.
Lockton Motorsports
Up to $500,000 · Same-day
OpenTrack
Up to $300,000 · Same-day
OnTrack Insurance
Up to $240,000
Hagerty Track Day
Up to $175,000 · Same-day
RLI Track Day Insurance
Up to $350,000
XInsurance Track Day
Up to $500,000
Not affiliated with or endorsed by listed providers. Independent comparison platform.
Built for Track Days
Coverage that actually fits HPDE
Track-day insurance is designed specifically for HPDE events. Your regular car insurance doesn't cover track activities — you need specialized protection.
Our providers understand motorsports. They offer agreed value coverage, flexible binding windows, and straightforward terms designed for track enthusiasts.
- Agreed value coverage up to $500,000
- Same-day binding available from select providers
- Coverage for street cars and dedicated track vehicles
- Flexible refund policies for event cancellations
Learn the Basics
Insurance guides for track drivers
Track Day Insurance 101
Everything you need to know about HPDE insurance - from basics to advanced coverage options.
Read guideChoosing the Right Coverage Limits
How to determine the right agreed value and coverage amount for your track car.
Read guideUnderstanding Deductibles
How deductibles work and how to choose the right amount for your risk tolerance.
Read guideBinding Windows Explained
Why timing matters when purchasing track day insurance and how to plan ahead.
Read guideDoes Regular Car Insurance Cover Track Days?
Almost all personal auto policies exclude on-track driving - here's how the exclusion works and what to do about it.
Read guideHow Much Does Track Day Insurance Cost?
Typical premiums, what drives the price up or down, and a worked example for a $40,000 car.
Read guideIs Track Day Insurance Worth It?
An honest decision framework: when coverage clearly makes sense, when it may not, and how to think about self-insuring.
Read guideWhat Happens If You Crash at a Track Day?
The step-by-step reality after an on-track incident: the org's response, who pays for what, and how insurance changes the outcome.
Read guide200TW Tires Explained: What Track Day Drivers Need to Know
What 200TW actually means, why it's the dividing line for track day and time trial tire classes, and how tire choice connects to your insurance.
Read guideR Compound vs 200TW Tires: Which One Actually Needs Track Insurance
R compound and 200TW tires are not the same thing at different prices. What separates them, what each one costs to run, and what your tire choice says about the coverage you should be buying.
Read guideInsurance FAQ
Frequently asked questions
Ready to Roll