Classic Car Insurance

Why buy classic car insurance?

You may have noticed there’s a big difference between collector car insurance policies and regular use policies, including cost. Hagerty collector car insurance boasts low premiums and excellent coverage. Other benefits include:

  • Agreed Value Coverage – In case of a total loss, you get the full amount of insured value on your collector car insurance policy.
  • No Deductible – In most states, you pay nothing if you have a claim.
  • Flexible Usage – Enjoy your classic with comfortable classic car insurance limits.
  • In-House Claims – Your claim is handled by a collector car insurance expert.
  • Repair Shop of Choice – Take your car to your favorite repair shop.
  • Restoration Coverage – Protect your classic with classic car insurance and increase value during the active project.

What collector cars are covered?

Hagerty offers collector car insurance for the following types of vehicles:

  • Antiques and classic cars
  • Muscle cars
  • Exotic and special interest
  • Street rods
  • Modern classics
  • Trucks
  • Replicas (high quality)
  • Fire trucks
  • Tractors
  • Low riders
  • Military vehicles
  • Motorcycles and scooters
  • Vehicles under active restoration
  • Trailers

What’s not covered?

Hagerty does not provide collector car insurance for these vehicle types:

  • Inexpensive home-built kits that do not replicate a classic vehicle
  • Any vehicles used for camping, off-road or utility-type driving
  • Pro-street vehicles modified with racing features like roll cages, nitrous systems, parachutes, etc.
  • Regular-use vehicles driven on a daily basis
  • Vehicles used primarily for commercial use
  • No motorcycles with performance modifications
  • Any vehicle modified with nitrous systems, blown alcohol systems or that run on nitro-methane
  • Dune buggies