At Diversified Insurance Brokers, we help professional and recreational race car drivers find affordable, high-quality life insurance for race car driving.  Many carriers treat motorsports as high-risk, leading to higher premiums or outright declines. With access to 100+ A-rated insurers and decades of experience in high-risk underwriting, we know which companies are most favorable toward drivers and how to present your application for the best possible outcome.

How Race Car Driving Affects Life Insurance Underwriting

Life insurance companies review multiple factors when evaluating race car drivers, including:

• Type of Racing: Drag racing, stock car, open-wheel, karting, and off-road are all evaluated differently.
• Level of Competition: Local amateur races may be treated differently than national or professional circuits.
• Frequency: Occasional weekend racing versus year-round competition can influence premium levels.
• Safety Measures: Use of roll cages, HANS devices, helmets, suits, pit crews, and track certifications matter.
• Driving Record: Past accidents or violations both on and off the track may impact underwriting.

Who This Coverage Is Best For

• Recreational racers participating in club or hobby events.
• Professional drivers competing regularly on certified tracks.
• Young drivers seeking coverage early in their racing career.
• Applicants previously declined for life insurance due to motorsports history.

Typical Life Insurance Outcomes for Race Car Drivers

• Recreational/occasional racing: May qualify for Standard or mildly rated coverage.
• Frequent/professional competition: Often results in flat extras ($2.50–$7.50 per $1,000) or higher table ratings.
• High-risk categories (drag, off-road, open-wheel): Coverage available, but typically at higher premiums or with exclusions.

Every case is unique. We shop your application with insurers that have favorable guidelines for motorsports participants.

Why Work With Diversified Insurance Brokers

• Access to 100+ A-rated carriers: More options mean better approval chances and pricing.
• High-risk underwriting expertise: We know which insurers are driver-friendly.
• Custom policy design: Term and permanent options tailored to your racing lifestyle.
• Personalized service: We position your racing profile to highlight safety and professionalism.

Example Case

A 40-year-old amateur stock car driver racing six weekends a year was initially quoted at a severe table rating. We highlighted his strong driving record, use of advanced safety equipment, and recreational-only status. The result: a $250,000 20-year term policy at Standard rates with only a small flat extra—saving him over $500 annually compared to the original offer.

Take the next step: Complete our secure race car driver life insurance request form and let us shop the market for your best options.   We also specialize in other high risk avocations such as skydiving and scuba diving.