A parked red collector convertible, with desert mountains in the background.

Insurance for the vehicles you love to drive

At Hagerty, we protect collectibles as if they were our own.

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 travelled 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.

A man smiling off-camera, with a collector car and road in the background.
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.
"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
A collage showing the benefits of Hagerty Drivers Club, such as the print magazine, soft-strap towing, and social events at a garage.
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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* 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.

Hagerty, Hagerty Drivers Club, and Guaranteed Value are registered trademarks of the Hagerty Group LLC, ©2020 The Hagerty Group, LLC. All Rights Reserved.