Modifying your car can be a fun way to express yourself, improve performance, or simply make your ride more enjoyable. But there’s one question many Pittsburgh drivers overlook: Will customizing your car increase your insurance rates?

In most cases, the answer is yes—but not always. Here’s what you need to know before you upgrade those wheels or add that turbo kit.

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Why Do Modifications Affect Car Insurance Rates?

Insurance premiums are based on risk and cost. When you modify a car, you’re often changing both:

• Higher value = higher risk: Expensive mods mean the insurance company might need to pay more to repair or replace your car after an accident.

• Increased theft risk: Flashy upgrades make your car more appealing to thieves.

• Potential safety risks: Some performance mods may increase the likelihood of a crash.

Insurers want to know exactly what’s been changed on your vehicle, and they’ll adjust your premium accordingly.

Common Modifications That May Increase Rates

Here are some modifications that tend to raise red flags for insurers:

• Turbochargers and superchargers

• Lowered or lifted suspension

• Custom paint or body kits

• Racing tires or alloy wheels

• Aftermarket exhaust systems

• Upgraded stereo systems

• Neon or LED underbody lighting

On the other hand, safety-focused mods like backup cameras or lane-departure alerts might lower your premium.

Do I Have to Tell My Insurance Company About Mods?

Yes, always.

Even if the change seems small, it’s important to disclose all modifications to your insurer. If you don’t and you’re involved in a claim, your insurance company could deny coverage. Transparency is key—especially if you’re insuring a car that’s no longer factory standard.

Insurers like Pittsburgh-based providers may offer more tailored solutions for customized vehicles than big national brands.

Tips to Keep Your Premiums Reasonable

If you’ve already modified your car (or plan to), here are a few strategies to help manage your insurance costs:

• Compare quotes from insurers that accommodate modified cars.

• Bundle home and auto insurance for a discount.

• Increase your deductible to reduce monthly premiums.

• Use your modified car as a weekend vehicle—less mileage can equal lower risk.

• Install anti-theft devices like steering wheel locks, GPS trackers, or alarms.

The Bottom Line

Modifying your car is an exciting process, but it comes with financial considerations. While your insurance premium may rise, that doesn’t mean you can’t find affordable coverage. Stay honest with your insurer, know which changes are considered high-risk, and look for a policy that supports your lifestyle and your ride.