Due to the computer-animated nature of the movie, the make and model might not be obvious.

In 2006, Disney released Cars, the iconic film which featured a cast of talking cars.

If you aren’t a Pixar lover or a parent, you might not know that the movie is centered around a race car named Lightning McQueen.

While Cars may have answered some burning questions like “where did Lightning McQueen come from?” or “what happened in Radiator Springs?” there are more questions to be answered, including:

  • What kind of car is Lightning McQueen?
  • What kind of insurance would Lightning McQueen need?
  • What is sports car insurance?


Due to the computer-animated nature of the movie, the make and model might not be obvious. Lighting McQueen is modeled after the Chevrolet Corvette C1 and the Chevrolet Corvette C6.

However, if you were to ask McQueen himself, he would probably say something along the lines of a "2006 Custom-Built Piston Cup Racing stock car."


Now on to a fundamental question; we know devoted and curious Cars fans want answers.

Would Lightning McQueen need car insurance or life insurance?

Since there are no humans in McQueen's world — only vehicles — it only makes sense that he and his friends would need life insurance.

But what about sports cars in our very real human world?


We may not be able to help you insure a talking car, but if you’re interested in auto insurance for a sports car, we can certainly help you get the best quote.

Since car insurance is based on risk analysis, and sports cars are considered a higher risk of accidents, you may find it challenging to find an insurer for your new high-performance sports car.

What’s considered a sports car, according to an insurance company?

You already know that many Lamborghini or Porsche models — or Corvettes like McQueen — are going to be considered sports cars. However, in some situations, there are very minor differences between a sedan and a sports car, so insurance carriers need to be clear about which vehicle is which.

Here are a few traits that will land your car in the sports car or performance vehicle category:

  • Smaller than sedan
  • Two seats
  • High horsepower
  • Turbocharge engine
  • Great than 350-cubic inch motor

Just like any auto policy, the quote you get for your vehicle will ultimately depend on the car itself (by using the unique VIN) and your insurance company.

What coverage do you need for your sports car?

In general, sports car insurance is a lot like standard car insurance, with all the same coverage, including collision, comprehensive, property damage liability, bodily injury liability, personal injury protection, and uninsured motorist protection.

In addition, gap insurance might be of interest to those sports car owners financing the vehicle. Gap insurance is helpful in that it will cover the gap of what you owe versus how much your insurance carrier will pay to replace the vehicle.

How much does sports car insurance cost?

With performance cars varying in cost from tens of thousands to millions of dollars, along with a vast difference from driver to driver, it’s challenging to say exactly how much sports car insurance will cost for you.

Not only will insurance carriers use your specific vehicle to assess insurance risk, but they’ll also use your personal driver information as well. Factors like your age, your driving record, your location, and how often you drive will all affect your insurance premium.

That said, we can see auto insurance averages. According to Quadrant Information Services, a standard sedan averages $1,674 annually for full coverage, while a sports car averages $2,100 annually for full coverage.

How to save on sports car insurance

While you’ve seen that auto insurance for a performance vehicle will likely be higher than a standard vehicle, there are still some ways to save on car insurance rates.

  • Higher deductible: Taking on a higher deductible (or higher payment should you make a claim) will undoubtedly lower your premium. However, this option may mean higher costs in the long-term should you end up paying that higher deductible.
  • Lower mileage: Thanks to telematic technology, your auto insurance provider can monitor how often you’re on the road. With fewer miles (or less time) driving, you’ll likely pay less for your premium.
  • Multiple policy discounts: Have multiple policies — like life, home, and car insurance — with the same carrier? You’ll probably see discounts for multi-policy coverage.
  • Safe driving: For those drivers who have no at fault accidents or traffic citations in their history (and continue to keep it that way), insurance carriers will often award safe driving discounts.
  • Safety features: Since sports cars often have additional features, they also offer unique safety options as well. Many insurance companies will take these into account and, if your features are offered on the discount list, you’ll see a decrease in premium as a result.

If Lightning McQueen taught us nothing in the Cars movie franchise, it would be that it pays to have good friends in the car world. At SimplyIOA, we’d love to be considered just that.

So if you need help finding the best car insurance coverage for the best price, start by speaking to a SimplyIOA agent at 833.872.4467 or get an auto insurance quote online now.