Classic Car Insurance


Each of our policy features is based on our own personal experiences as collectors and on feedback we’ve received from you – our fellow collectors – at hundreds of car shows and events all across the country.

As collectors ourselves, we know first-hand what car enthusiasts need and want in an insurance policy.

Our Classic Car Policies Include:

  • Low Premiums: Our rates are drastically lower than standard. For example: The standard rate on a ’65 Mustang could hit $800/year. Hagerty’s average premium on the same car? Just $110.
  • Agreed Value Coverage: In case of a total loss, you will receive the full amount for which you have insured your vehicle.
  • No Deductible: In most states you will pay nothing if you have a claim with your collector vehicle. However, a deductible is required for vehicle model years 1987 and newer.
  • One-Time Liability Fee*: No matter how many vehicles you have on your policy, you only pay a single liability charge.
  • Flexible Usage: Drivers can enjoy their classics with comfortable limits. Our policy allows for an occasional leisure drive, not just to parades or car events.
  • Repair Shop of Choice: Your choice, not ours. Take your collector cars to your favorite repair shop.
  • In-House Claims Specialists: We want your claim handled by a collector insurance expert, so most claims are managed at Hagerty. We’re here for you, even seven days a week during the busiest hobby months, April-October.
  • Agents Who Know Collector Cars
  • Roadside Assistance
  • Additional Coverage for Automobila, Automotive Tools and Spare Parts
  • Overseas Shipping/Foreign Touring Coverage: Hagerty can provide special coverage of your vehicle(s) during overseas transit including cargo shipping, foreign liability and property damage. We also can coordinate coverage during your stay.
  • Club Liability Program: Protect your club and its members from potential lawsuits while enjoying the same great service and low rates enjoyed by all Hagerty clients.
  • Motorcycle Safety Equipment Coverage: This feature includes coverage of safety apparel, including leather pants, gloves, jacket and a helmet.
  • Hagerty Plus: You’ll have the opportunity to join the nation’s largest community of collector car enthusiasts.
  • Additional Coverage: We know that your love of collecting — and your investment in your hobby — doesn’t end with your car. That’s why we offer additional coverage for automobilia, automotive tools and spare parts.

*Coverage not available in all states.