[sperry]

Most rally cars need to be street legal, so you have to have whatever insurance is required for registration in your state/county. But virtually no insurance company that will insure for the street will cover you in a competitive event, so really you're only covered during stage transition driving on the public streets, and not at all when you're on the clock.

There are race-only insurance companies, but they're extremely expensive (several hundred dollars a day and up based on the car/event) and I don't know that they cover off-road rally (I've only heard of it for HPDE and trials type track events). So I can't imagine that anyone has insurance on a rally car for on course coverage. Frankly, if you can't afford to write off the car, you can't afford to go rally racing.