1980 and newer collector vehicle insurance
These modern classics from the 1980s, ’90s and newer may qualify for specialty insurance. It’s less about when the car is from and more about how it’s used. Find out if you qualify today.
What is modern classic and collector insurance?
Modern classic and collector car insurance is tailored specifically to protect rare, historically significant, and collectible vehicles. Cars from the 1980s and ’90s (and even newer vehicles) can be considered collectors and may qualify for specialty insurance, depending on how they’re used.
How is modern classic insurance different from my everyday car insurance?
With more than 40 years in business, Hagerty has a deep understanding of auto enthusiasts and the vehicles they own—including modern classic and collector cars. We know that collectible cars are usually driven less and loved more, which is why we can offer better protection for a lower cost than standard insurance. Every collector car is unique, so we offer customized coverage for exactly how you use your vehicle.
Does my vehicle qualify?
To qualify, vehicles must meet the following requirements:
- A collector vehicle, not for primary use
- Vehicle must be in good or better condition
- Vehicle must hold a minimum value of $3,500
- Used for pleasure driving not regular commuting
- Protected, preferably in a garage, but carport and driveway allowed in many areas
Do I qualify?
We protect all kinds of classic and collector vehicles. Wondering if your vehicle qualifies?
Learn moreWhy Hagerty?
Hagerty has been in the business of protecting specialty vehicles for more than 40 years. We understand the nuances of owning, loving and driving collector cars, trucks, boats and more. That’s why we provide personalized policies specifically designed for your vehicle and how you use it. But we go way beyond insurance, with unparalleled service and support, engaging events and experiences for car lovers and much more.
Expert knowledge
Our team is made up of classic and modern collector car experts. Whether you need help finding parts or choosing the right coverages—or just want to spend a little extra time chatting about cars—when you work with Hagerty you’re working with people who genuinely love and understand collector vehicles.
Personalize your coverage
No two collector vehicles are alike—and no two policies should be either. Whether you need Vehicle Under Construction protection or want extra peace of mind with Cherished Salvage®, you can customize your coverage for exactly how you use your collector car.
Exceptional claims
Our claims adjusters have hands-on experience with classic vehicle repair and restoration. They work with you to find the right solution to fix your car. You can choose the shop or do the repairs yourself.
What additional coverage do you offer?
No two collector vehicles are alike, that’s why we offer customized coverage. Here are some customer favorites:
Cherished Salvage®
Your vehicle is filled with years of love, work, memories, and stories that can’t be replaced. That’s why we offer Cherished Salvage®, which lets you keep your car and still receive your full Guaranteed Value® after a covered total loss.*
Vehicle under construction
For cars that are actively being worked on, Hagerty offers Vehicle Under Construction, which automatically increases your car’s Guaranteed Value® by 10% per quarter up to a maximum increase of $25,000 and offers $750 of coverage for automotive tools.
Motorsports advantage
For enthusiasts whose hobbies include on-track activities, the Motorsports Advantage is a low-cost option to cover all the details you don't want to overlook: safety equipment, additional tools and spare parts, debris removal, and more.
Get a real-time insurance quote.
Frequently asked questions
Wondering what makes classic car insurance through Hagerty different? From Guaranteed Value® to Cherished Salvage®, our classic car insurance fits your needs. Here are some common questions we get from customers like you.
*Coverage not available in NY.
Insurance services administered by Hagerty Insurance Agency, LLC. Policies underwritten by carriers listed on the hagerty.com Disclosures page. Not all coverages are available in every state. All coverage subject to policy provisions, exclusions, and endorsements. Hagerty determines final risk acceptance.