Skip to Content

How Much Does a Car Audio Insurance Cost?

Getting insurance for your upgraded car audio is usually the right choice. I researched a few companies that offer coverage for car audio systems, to find out how much car audio insurance costs, so let me share the results.

  • Progressive offers car audio insurance if the value of the audio systems exceeds $1,000. An additional monthly premium is added to the comprehensive policy, but for the car audio system valued less than $1,000, it is included in the comprehensive plan. The quote I received for my car audio system valued at $2.700, was $66 per year.
  • Allstate offers several options with additional monthly premiums, depending on the car audio value. The quote I have received for my system was $66 annually, but with per occurrence max. value $1,000.
  • AARP quoted my car with an annual rate of $1,332 per 12-month policy that includes my upgraded car audio system.
  • For Clearcover, the annual cost for an additional car audio system ranges between $100 and $200 depending on the car audio system’s value.
Screenshot of my Progressive quote including $2,700 worth of car audio system.

If your insurance provider does not offer car audio insurance, the above insurers provide coverage for car modifications, including car audio updates.

It is necessary to analyze your insurance package and the impact of the change on premium costs before choosing a plan. Selecting the right insurance plan will enable you to make claims in case of an emergency.

Do I Need to Insure Car Audio System in My Car?

The car audio system is one of the most frequent stolen equipment in the auto industry. Thieves know the worth of an audio system fitted in a car.

how much does car audio insurance cost

For instance, it is a fact that The Porsche 718 Cayman and Cadillac XT5 use the Bose brand sound system. Bose is one of the best car sound systems in the world, and it costs a fortune. In case of theft, the cost can offset your pockets. Car audio insurance is the best option for this type of loss.

Aside from theft, automobile upgrades are almost guaranteed. The need to replace an old sound system could be technological or quality-related. Some enhancements may cost an arm and a leg.

On the other hand, an accident, harsh weather conditions can damage your car’s audio system. Having a car sound system insurance comes in handy in such times.

If you have comprehensive or collision auto insurance, the car’s factory-installed systems are already insured.

However, regular insurance may not cover stereo and audio systems modifications. If they do, the cover may be limited to the manufacture-installed car audio system.

Therefore, you need to consult your insurance provider before making changes to your old system.

It is vital to check all probabilities concerning your car audio insurance before purchasing or making changes to your car. Some insurance companies do not offer protection on sound systems. In case you need to change policies, avoid gaps by starting a new plan before canceling the old one to keep your coverage lined up.

What does car audio insurance include?

Car audio insurance covers damages to the speaker, or any other part of the car sound system, even when the rest of the car is not damaged.

However, Electrical-related destructions and detrition are not covered—only distinct events like an accident or theft are approved during repayment.

The total value of your car includes your sound system. If your insurance policy covers it, its value will be included in the payout.

Such inclusions are found in both comprehensive or collision insurance coverage.

For most car insurance, the sound system is included as an endorsement or an add-on of the custom parts and equipment cover. The premium for the cover is usually more affordable compared to the cost of the car sound system. The amount never exceeds the $3,000 mark.

do i need car audio insurance

How Much Does Car Audio Insurance Cost?

Several companies provide extra coverage for car audio insurance. Here is a list of four best auto insurers that provide audio system insurance.


Aside from being available in all states, Progressive provides broad coverage for custom car parts under its additional coverage. The insurance pays for the repair or replacement of car equipment, including painting, audio and visual systems, grills, and spoilers.

With broad coverage, the insurance requires higher premiums and deductibles because of the magnitude of risks. Nevertheless, Progressive offers perks valued at 30%, including up to $50 worth of deductibles for a six months claim-free period.

Progressive only insures vehicles valued under $150,000. Higher rates are charged for high-performing cars because of increased risks with more horsepower.

Regarding car modifications, it will cost you $1,000 to cover custom parts and equipment/accessory. Therefore, if your audio system changes go for more than $1,000, you will need to buy additional coverage.

If your new sound system and installation costs amount to $5,000, you will need to buy $4,000 worth of extra coverage for the new equipment.

For additional coverage, Progressive provides gap coverage of 25% of the cash for the totaled car value. Progressive provides vet bills in case your pet is involved in a car accident. It also pays up to 30 days’ worth of money for rideshares as your car is repaired and provides SR-22 coverage.

Furthermore, as a Progressive client, you can buy a cover within your means, with the help of their transparent pricing tools.

Additionally, there is accident forgiveness for small claims or for staying claim-free. You will also enjoy discounts valued at 12%, autopay, or homeownership discounts as an owner with multiple cars under the same policy.

The pay cuts include student and teen driver discounts. Loyalty customers with a moving vehicle, no insurance gaps, or cancellations get some perks as well.

In the standard coverage, Progressive covers both you and the other driver for at-fault accidents. It includes car repairs through collision and comprehension and compensates for damages initiated by anything other than a collision such as fire or vandalism.

The Progressive insurance policy also caters to you and your passenger(s) post-accident medical care. It covers your accident-related liabilities like income loss or ambulance rides and protects you when a car accident involves an underinsured motorist.


Clearcover is a virtual insurance company that offers comprehensive and collision coverage for both property and vehicles.

Operations occur in an app with an AI to assist in getting the required coverage. It covers theft, vandalism, weather, and property damage from wreckages. However, it does not include new vehicles.

Its services are available in Arizona, California, Illinois, Louisiana, Ohio, Texas, Utah, and Wisconsin. The cover enables drivers to save $300 to $1,000 of the annual premium.

For Clearcover, comprehension coverage is an additional policy. The cost ranges between $100 and $200 per year and varies depending on your car’s purchase value, excluding depreciation and deductibles.

Your car cash value is your upper limit of the amount you can claim in comprehensive coverage. When you purchase the comprehension coverage, you will select a deductible as well.

Therefore, when your audio system repair cost is $2,000, and your deductible amount is $1,000, Clear cover will cover half your repair cost.

Standard coverage for Clearcover includes at-fault property damage liability for another individual’s property and automobile. It also offers protection for accidents involving uninsured and underinsured drivers. It provides a medical cover against accidents suffered from another driver while you are walking or biking.

Additional coverage includes roadside assistance (optional), $30 worth of transportation costs while your car is at the repair. The pay ups also include rideshare services.

Clearcover provides ridesharing endorsements for your taxi business from when the app on until a passenger picks the ride.

The cover also comes with several discounts that subsidize premium costs from purchasing anti-theft and safety devices and benefits from combining your home and auto policies.

There are special discounts for homeowners, defensive driving, special-case employment, and military personnel.

The AARP Auto Insurance

AARP is a comprehensive and collision insurance policy that is available in all the states, including DC.

It has a premium rate of $1,332 per 12-month policy. The comprehensive cover also protects you from damages not caused by collisions like natural disasters, robbery, and vandalism.

AARP comprehensive insurance cost depends on the driver’s history, vehicle model, age, and deductible amount. Having a higher deductible lowers your premium rate.

For example, if your deductible is $500 and your audio system repair costs are $1,500, AARP will pay $1,000 for the expenses while you will pay $500 out of pocket.

Additionally, it is smart to have a deductible choice based on your car’s actual value.

AARP also gives discounts on deductibles. AARP chooses the highest deductible for claims made for multiple cars insured under the same car owner’s policy.

Deductibles reduce by $100 when an accident is not your fault, and you repair your vehicle in an authorized shop Collision deductible is waivered when the accident is not your fault.

If you and all the drivers in your policy have a clean driving record within five years, your rate will not be increased after the first accident. However, some of the benefits are limited to specific states and depend on whether you meet the requirements.

is car audio insurance worth it


Allstate is available in all 50 states. The premium rate depends on a driver’s profile, and location and standard coverage include liability protection for injuries and property damage.

It also provides insurance for accidents involving uninsured and underinsured drivers. It also pays for rental cars as your car undergoes repairs. It provides medical cover, roadside, and rideshare insurance.

Allstates provides personal injury cover and compressive and collision coverage. For comprehensive coverage, you will choose a deductible to cover your claim.

The maximum amount you can claim is the actual purchase value of your car. Consequently, if your repair costs are worth $3,000 and your deductible is worth $1,000, Allstate will pay $2,000 for your repairs.

Benefits include a reward system for safe drivers. It also consists of a repair shop locator showing a network of servicing shops within a specified location. Furthermore, claims are sent directly to your debit card.

Allstates has several discounts for purchases made as a solution to reduce premium costs. For example, bundling homeowners insurance and auto insurance will give you a 25% discount and a 10% discount on the respective covers. When you purchase the antilock brakes, you will get a 10% discount. When you get the anti-theft device, you will save up to 5% of your purchase.

Does Changing Car Stereo Affect Insurance?

An improvement that requires insurance is one that causes permanent changes to the equipment. Adding components to your car’s sound system is a complex process.

It causes modifications to other systems in your vehicle. The alterations impact your car performance, therefore, increasing risks. Consequently, you will need an additional rider for the fixed item.

You need to consult your insurance provider about any changes being made in your car audio system.

Your insurance service provider appraises the new item, analyzes proof of purchase, cost of installation, and the quality of the installation work or degree of the modification, and adds a rider on the item based on their findings.

Damages occurring during installation most probably will not be covered. The premium always goes up for pricey stereo upgrades because the value of your car also includes the quality of your audio system.

The specified value of your system determines the cost of the premium. Ideally, it should be the market value of the sound system.

Overstating your new audio system’s value will not make you get more claims because your insurer will base the value on the actual cost of the replacement or repair.

Underestimating your sound system’s worth will cause you not to get the full value of your stereo when you need a replacement. Any modifications done to your car must be under the approval of your insurance provider.


Car audio insurance is a vital requirement to make changes in your car sound system. Protection for your car sound system can be warranted by theft, natural disasters, accidents, and wreckage. However, vehicle modifications are not always covered by insurers. Specific stipulations are required for coverage to be approved.

Most standard car policies cover manufacturer-installed systems. Aftermarket additions must be listed to be insured. Therefore, before making any changes to your car audio system, you need to get in touch with your insurer.

The insurance provider not only determines your eligibility but also guarantees if modifications are insurable.

While the process may seem complicated, it is necessary because modifications affect the value of the car. The vehicle worth appreciates or depreciates depending on the quality of the added equipment, the installation service, and the impact of the modification on the vehicle’s functioning.