Classic Car Insurance
At Hagerty, our love for cars and their owners drives our business forward, allowing us to offer you better classic car insurance coverage for less.
Lower rates
Standard car insurers cover vehicles driven daily. We understand that your precious classic is driven sparingly, so we can save you up to 41% on average.*
Guaranteed valueTM
You tell us your classic’s value and we’ll confirm that it’s fair. In the event of a total covered loss, we guarantee that you'll receive the amount we agreed upon.*
Flexible usage
Cars are made to be driven. With Hagerty, you'll never be held to a fixed mileage limit — as long as you're not driving your classic every day.
Expert claims
Our claims adjusters undergo training in classic car repair, and our parts specialists can access the original replacement parts for every vehicle we insure.
Questions? We've got answers
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How do I value my vehicle?
When researching the value of your vehicle, the most important factor – and most common mistake – is correctly assessing the vehicle's condition. Many owners overrate the condition of their car, so be sure to carefully evaluate the vehicle using Hagerty's definition of condition grades #1 to #4. Keep in mind that cars in conditions #1 and #2 are extremely rare, and vehicles in condition #5 and #6 also exist even if Hagerty Price Guide does not publish those prices.
The second most important factor is properly identifying the car, down to the car's unique options, provenance and history. Number of owners, originality, interesting equipment and documentation can all enhance a vehicle's value, so take the time to get a complete picture. Once you know what you have, find your vehicle in Hagerty Valuation Tools® by selecting the appropriate year, make, model, submodel, body style and engine. Or, enter your vehicles VIN and choose from the resulting matches. Compare current Price Guide values with recent public sales and asking prices for similar vehicles for sale. All of these resources can help provide a sense of a vehicle's value.
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How is classic car insurance different from regular car insurance?
Classic car insurance offers some key benefits compared to daily driver or “regular“ insurance.
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Lower Premiums
We understand your car is a prized passion and will be driven with great caution, so we adjust the premiums accordingly -- 41% lower on average than daily driver insurance. With a daily driver insurance policy, your classic may be rated like a regular-use vehicle, and you’ll be charged as if you were driving the vehicle every day. -
Guaranteed ValueTM
Guaranteed Value coverage means you tell us the value of your classic and we’ll affirm that it’s a fair, accurate number. Then, we GUARANTEE that value will be paid to you in the event of a covered total loss. Regular car insurance carriers offerActual Cash Value or Stated Value coverage, which may depreciate the value of your vehicle in the event of a claim, resulting in a smaller payout than you anticipate. -
No Fixed Mileage
Our policy allows you flexible usage -- with no fixed mileage limits. Even if you have full coverage through a regular car insurance carrier, there may be mileage and usage restrictions to control how and when your classic is driven.
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What classic cars qualify for coverage?
We cover all kinds of classic cars, trucks and other vehicles, including antiques autos, collector and vintage cars, some modified and newer vehicles (sometimes called “modern classics” or “future classics”), along with many different kinds of specialty vehicles. Qualification depends on usage, storage and driving record. For more information, view our Driver Eligibility page.
*Figure based upon 2019 consumer data collected by Hagerty on single car quotes, with premiums $5000 and under, from several daily driver (or "everyday") auto insurance carriers.
**In the event of a covered total loss, less any deductible or salvage value (if retained).