Not sure if what I'm about to say will be any help.
My car insurance (AAA) pays full for nearly all occurrences, unless I somehow hit a very expensive car and it's my fault (I'm talking $200,000+ range). Being a teenager it's amazing my insurance is <$2000/year. I did not get the option to insure non-OEM parts, and I found the insurance not even worth it, even if I was going to spend thousands of $ on mods. From what I remember scrolling down all the options it was somewhere near $6000/year just to insure ~$10000 worth of mods, a crazy gesture.
Being how relatively cheap my car insurance is and how expensive it could have been to insure any mods on my car, I would assume the price every 6 months would by insane if you are under 25 yrs old (the apparent "magical" hump for insurance prices.)
Of course there could be statistics out there that shows teenagers who mod the f#%k out of their car get into accidents regularly, so all I can do is present you with the information I know.
