Coverage Options

    Compare Providers

    Side-by-side comparison of track-day insurance providers. Coverage limits, deductibles, binding windows, and eligibility requirements.

    6
    Providers compared
    3
    Offer same-day binding
    HPDE
    Non-competitive focus

    Important Disclosure

    TrackDayCompare is an independent comparison site for HPDE (non-competitive) track-day insurance. Coverage availability, pricing, and terms vary by state, provider, vehicle, driver, and event organizer. Information on this site is educational and presented as examples only. TrackDayCompare may earn a commission if you purchase through our links. Always review the provider's policy documents before buying. We do not provide legal or financial advice.

    Trusted Providers

    Track-day insurers side by side

    Compare coverage, deductibles, and binding windows from leading HPDE providers, then get a quote directly.

    Lockton Motorsports

    Most U.S. states

    Same-day
    Coverage Limits
    $10,000 – $500,000
    Deductible
    5-10% of agreed value
    Binding Window
    Same-day binding available up to event start
    Refund Policy
    Refundable if event canceled prior to green flag
    Timing Exclusion
    No timed or competitive events. HPDE/track days only.
    Eligible Vehicles
    Street-legal and track-prepped vehicles. Trailers covered separately.

    Examples only. Actual pricing varies by state, vehicle, driver, and event.

    OpenTrack

    Select U.S. states, Check website for availability

    Same-day
    Coverage Limits
    $15,000 – $300,000
    Deductible
    10% of agreed value
    Binding Window
    Instant binding - same-day purchase available
    Refund Policy
    Refund available if canceled 48+ hours before event start
    Timing Exclusion
    HPDE only. No racing, time trials, or competitive events.
    Eligible Vehicles
    Street cars and dedicated track cars. Age and modifications reviewed.

    Examples only. Not guaranteed. Final terms from provider.

    OnTrack Insurance

    Most U.S. states, Canada (select provinces)

    Coverage Limits
    $10,000 – $240,000
    Deductible
    10% of agreed value (min $2,500)
    Binding Window
    Purchase in advance recommended
    Refund Policy
    Full refund if canceled before 12:01 AM on event day
    Timing Exclusion
    No timed events. HPDE and driver education only.
    Eligible Vehicles
    Street-legal vehicles. Track-only cars case-by-case.

    Pricing examples for reference only. Varies by many factors.

    Hagerty Track Day

    Most U.S. states

    Same-day
    Coverage Limits
    $20,000 – $175,000
    Deductible
    Starting at $2,000
    Binding Window
    Same-day binding available (advance purchase recommended)
    Refund Policy
    Refundable per event cancellation policy
    Timing Exclusion
    HPDE and non-competitive track days only. Time trials available.
    Eligible Vehicles
    Collector and enthusiast vehicles. Street-legal preferred.

    Sample pricing only. Actual rates depend on vehicle and driver profile.

    RLI Track Day Insurance

    Most U.S. states

    Coverage Limits
    $15,000 – $350,000
    Deductible
    Varies by policy
    Binding Window
    Contact provider for binding requirements
    Refund Policy
    Varies by policy terms
    Timing Exclusion
    HPDE and non-competitive events. Time trials available (competitive & non-competitive).
    Eligible Vehicles
    Street-legal and track-prepared vehicles. Wide range accepted.

    Pricing examples for illustration only. Actual rates vary.

    XInsurance Track Day

    All 50 U.S. states

    Coverage Limits
    $20,000 – $500,000
    Deductible
    Customizable based on policy
    Binding Window
    Same-day possible, advance purchase (48-72 hrs) recommended
    Refund Policy
    Contact for cancellation policy
    Timing Exclusion
    HPDE and track day events covered.
    Eligible Vehicles
    Street cars and track-dedicated vehicles. Comprehensive coverage options.

    Examples only. Final pricing determined by underwriter.

    Not affiliated with or endorsed by listed providers. Independent comparison platform. Coverage, pricing, and terms subject to provider underwriting.

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