There's a starving genre known as the top-down racer. It's home to some of the all-time greats like Micro Machines, and some under-appreciated party games like Mashed (yes, totally serious, play with friends after/during beers).
It's also home, sort of, to Real World Racing, an indie title by Italian studio Playstos Entertainment. While it's got the top-down perspective of more playful games, it's also going for a realistic art style (complete with satellite-sourced tracks) and more serious handling of the cars.
Real World Racing is currently up for voting on Steam Greenlight. You can visit the game's official site below.