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A black collector Corvette being driven down a country road by a woman wearing sunglasses.

Insurance for car enthusiasts

We only insure classics, so our premiums are up to 36% lower on average than daily driver insurance.*

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Insurance products and coverage through Hagerty

Select a product to learn more about qualifications and quoting.

A collage of collector cars being driven, with a shot of multiple cars on a desert road, and a close-up shot of a hand on a steering wheel.

Insurance policy features

We created insurance policies for car lovers like us—who want the freedom to take the road less traveled in the car that isn’t driven every day.

Guaranteed Value^®

We use our industry–leading tools to help you determine the true value of your classic, then create an agreed value policy that guarantees you will be paid every cent of your car’s insured value in the event of a covered total loss.*

Low annual premiums

We only protect collectible vehicles that are not driven daily, so insurance policies through Hagerty provide better coverage at significantly lower prices than standard insurers.

Flexible usage

Whether you're headed to a show, race, or the beach, you're protected.** Your collectible is fun to drive, so why not hit the road?

Specialized coverage

Every policy includes unique coverages, so you can focus on the joy of owning and driving a collector vehicle.

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Instant new purchase coverage

30 days of coverage for up to $50,000 of the vehicle value for newly purchased collectible cars.***

Spare engine parts, with tools in the background.

Spare parts coverage

$750 of comprehensive coverage for your insured vehicle’s spare parts.

Smashed taillights, rear clip, and rear bumper of a collector Corvette.

Auto show medical reimbursement

Up to $10,000 in medical payments if you or your family members are injured during an auto show or other car-related function.

A collage of claims specialists helping clients, with a woman smiling at the camera from behind a computer, and two men discussing the engine of a collector vehicle.

Claims with Hagerty

Losses are painful enough already, so we make the insurance claims process easy whether you prefer to call or file online.

Dedicated and efficient service

We'll respond to your online claims report within 1 business day and most claims are paid within 15 days of report.

Collaborative repair selection

You can choose how and where your vehicle is restored—we’ll even pay you to do the repairs yourself if you prefer.

Unmatched collectible expertise

All of our adjusters have hands-on restoration experience and our in-house parts specialists will find every part needed for a repair.

Protecting your classic no matter where the road leads

Hagerty offers classic car insurance in all 50 states, including:

"Everything was explained completely and the whole sad process of losing a treasured car was lightened."

Paul (MI)

December 30th 2018, Hagerty client for 1 year

"I have had Hagerty for years. They handled my recent claim for the total loss of my prized Model A in the recent northern California wildfires. They were by far the easiest insurance company to deal with."

Daniel (CA)

January 27th 2019, Hagerty client for 8 years

Hagerty Drivers Club^®

Join the top classic car community for just $45 a year and gain access to white-glove roadside assistance, six issues of Hagerty magazine and more.

Roadside assistance

Designed with quality care for classics in mind, Hagerty roadside services include guaranteed flatbed towing, real-time truck tracking, and an unlimited number of service calls annually.

Hagerty magazine

Subscribe to our Folio award-winning magazine and receive stunning automotive editorial content delivered to your mailbox six times a year.

Automotive discounts

Membership includes access to exclusive discounts from your favorite automotive suppliers. Save money on car parts, services, rentals and more.

Get insurance that works for you

Let's talk about your vehicle. Get a quick quote online or talk to a friendly Hagerty agent.

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Online quotes are fast and easy.

* Less any deductible and/or salvage value, if retained by you. Guaranteed Value includes all taxes and fees unless prohibited by state law.

** Occasional pleasure use does not mean use for daily driving to and from work or school, routine shopping, etc.

*** Vehicles must be in stock condition and all collector vehicles must be insured with Hagerty.

Policies underwritten by Essentia Insurance Company. Some coverage not available in all states. This is a general description of coverage. All coverage subject to policy provisions, exclusions, and endorsements. Hagerty determines final risk acceptance.