Collector Car COVERAGE

In the event of a covered total loss, you receive every cent of your car's insured value.* No depreciation. No messing around. No hassle.

Insuring a car through Hagerty allows occasional pleasure use.** You can go for a weekend drive, take your vehicle up to the local ice cream shop or attend unlimited events and cruises.

Our in-house parts specialists can help you track down replacement LKQ, OEM, or NOS parts—if they're out there, we'll find them. Hagerty maintains an extensive list of resources for hard-to-find parts.

Because we specialize in collector car insurance, premiums through collector car insurance are up to 34% lower than daily driver insurance.

We know collectible and vintage cars, so you deal with real people who understand your car and your needs.

With our insurance companies, we know your collector vehicle is filled with years of love, work, memories and stories that can’t be replaced. That’s why if the worst happens—a total loss—we help you keep your car and still receive your full Guaranteed Value.

We protect all kinds of classic cars, trucks, antique cars, modified and newer vehicles, in addition to motorcycles, vintage tractors, boats and more. With Hagerty, you can rest assured that we provide exceptional antique vehicle insurance for you.

An agreed value policy—the same as a Guaranteed Value policy through Hagerty—guarantees that you will receive the full insured amount of the vehicle (with no depreciation, and including all sales taxes), in the event of a covered total loss.

In contrast, a stated value policy (sometimes called "stated amount" or "maximum limit of liability") gives the insurer the right to pay you either your vehicle's depreciated cash value amount or the cost to replace your vehicle—and they'll choose the lower of the two amounts.

Classic car insurance offers some key benefits compared to daily driver or "regular" insurance.

We understand your car is a prized passion and will be driven with great caution, so premiums through Hagerty are adjusted accordingly—34% 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.

More commonly known as "agreed value" coverage, it 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 offer "actual 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.

A car policy through Hagerty allows you flexible usage. 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.