There is a lot on the mind of a racer at the track, but that is typically not medical bills. But behind every pass down the quarter mile is a reality we don’t always want to talk about: accidents happen. Fortunately, if you’re a member of the NHRA (National Hot Rod Association) or WDRA (World Drag Racing Alliance), you’re not just paying for access to events and rulebooks. You’re also paying for accident insurance coverage that could make a critical difference when things go wrong.
Let’s take a closer look at what this coverage includes, what it costs, what it doesn’t cover, and why it’s valuable peace of mind—but not a replacement for personal health insurance.
Please note* I do not claim to be an expert in the field of these membership coverages. I am doing my best to compile some information for those who may not be aware of these benefits.
How Much Does Membership Cost?
Membership prices can vary based on your role (driver, crew, junior, etc.), but here are typical annual fees as of 2025:
-
NHRA Membership:
-
Standard Driver Membership: ~$78–$99/year
-
Includes subscription to National Dragster, access to events, decals, and accident insurance.
-
-
WDRA Membership:
-
Sportsman Racer Membership: ~$60/year
-
Junior Dragster Membership: ~$35/year
-
Also includes a points fund contribution, digital content, and participant insurance.
-
Compared to the cost of building and maintaining a race car, these fees are minimal—but they pack a surprising amount of value, especially in terms of insurance.
What Does the Accident Insurance Cover?
Both NHRA and WDRA offer participant accident insurance, which typically includes:
-
Medical Expense Benefits:
-
Coverage for accident-related medical costs, often up to $525,000 (NHRA).
-
Secondary insurance – it kicks in after your personal health insurance is used.
-
-
Accidental Death and Dismemberment (AD&D):
-
Pays out benefits in the tragic event of death or permanent injury during a sanctioned event.
-
-
Covered Individuals:
-
Licensed drivers/riders, crew members, officials, and sometimes spectators depending on the event.
-
-
When You’re Covered:
-
Only during sanctioned events at member tracks.
-
Coverage starts once you’ve signed the waiver at the gate and entered the facility.
-
What Are the Limitations?
Before you cancel your health insurance—don’t. There are important limitations on this coverage:
-
It is not primary insurance — you’ll need to file claims with your personal health insurer first.
-
No coverage at non-sanctioned events, unsanctioned tracks, or test-and-tune days (unless explicitly stated).
-
Some policies may have deductibles or co-pays.
-
Coverage is time-limited and may not extend to long-term disability or lost wages.
-
Benefits may vary based on your state’s insurance regulations.
Why It Matters: Peace of Mind
Drag racing is thrilling, but it’s not without risk. From throttle hang-ups to oil-downs, accidents can happen to anyone, no matter how experienced or well-prepared.
In recent years, we’ve seen rollovers in the shutdown area, starting line explosions, and unexpected equipment failures—even in seemingly “routine” passes. This coverage can help reduce the financial impact of those terrifying moments.
Having accident insurance as part of your membership means you’re not completely on your own if the worst happens. That peace of mind matters—not just to you, but to your family and crew.
But It’s Not a Replacement for Health Insurance
Let’s be clear: this is supplemental coverage. It’s designed to fill gaps, not carry the full load. If you don’t have your own health insurance and rely solely on sanctioning body coverage, you’re taking a significant risk.
It’s also wise to understand how to file a claim. Be prepared to:
-
Report the incident immediately to the event official or EMT
-
Get documentation at the scene (incident report, witness statements)
-
File within required timelines (often within 90 days)
- Teach loved ones what to do in an instance where you are unable to
🧯 Safety First: Insurance Is Just One Layer of Protection
Good insurance doesn’t make you invincible. Helmets, fire suits, roll cages, neck restraints, and harnesses are still your first line of defense.
The most important takeaway? Be prepared, cautious, and educated. Know what your membership includes, what it doesn’t, and what steps you need to take if something goes wrong.
Final Thoughts: Know What You’re Paying For
Membership in NHRA or WDRA means more than just access to race events—it’s a commitment to a community that values safety, preparedness, and protection. The included accident insurance might not be the flashiest benefit, but it could be the most important one you never use.
