Insurance made for drivers, by drivers.

With 40+ years of expertise, trusted by 2.7 million collectors, and saving drivers 25% on average, our Guaranteed Value^® protection pays you what your car is worth, not a depreciated estimate.*

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Not all insurance is equal. Do you have the right one?

Why go with Hagerty? We bring unmatched expertise to every policy. Compare our Guaranteed Value^® coverage to what standard insurance provides.

Guaranteed Value^® through Hagerty

You tell us what your classic car is worth, and we agree upon that value. Your vehicle is protected year-round, and in case of a total loss, Hagerty cuts a check for that amount. No games, no hassle**.

Compare to Standard Insurance with Stated Value

Standard insurers typically determine what your vehicle is worth. You have little to no input. In the event of a total loss, this leaves many people unable to replace their classic. Some providers may recommend seasonal coverage. With seasonal coverage, you’ll have to call your provider every fall to end full coverage and every spring to reinstate it. That could leave you unprotected.

Claims handled by people who speak “car”, not call-center scripts.

Hagerty’s claims team is made up of racers, wrenchers, restorers, and collectors who get it. When something happens, your vehicle is repaired to its Guaranteed Value^® with the right parts, OEM, NOS, or custom-made, so it comes back the way it should, not “close enough.”

Quote today, drive today

Need collector car coverage fast? Quotes from Hagerty are ready in 5 minutes or less and you can get protection in as little as 15 minutes.***

Questions? We've got answers

What types of vehicles do you protect?

We protect all kinds of classic cars, boats, trucks, and more modern collectible vehicles. We also protect tractors, military vehicles, and retired commercial vehicles. Basically, if it isn't a vehicle you drive for your everyday transport, Hagerty can protect it.

How much does a policy through Hagerty cost compared to standard insurance?

We understand your car is a prized passion and will be driven with great caution, so premiums are adjusted accordingly – 25% 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.

If I have a claim, can I repair my car anywhere I want?

Yes. In the event of a claim with a policy through Hagerty, you get to choose the repair shop you want to fix your vehicle. You can even repair the vehicle yourself should you desire.

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

**Figure based upon US direct to consumer site analytics data collected by Hagerty, between 6/24/2024 and 7/28/2025, on single car quotes and applications.

***Figure based upon 2025 consumer data collected by Hagerty on single car quotes, with premiums $5000 and under, from several daily driver (or “Everyday”) auto insurance carriers.

Policies underwritten by Essentia Insurance Company. Hagerty determines final risk acceptance. Some coverage not available in all states. This is a general description of coverage. All coverage subject to policy provisions, exclusions, and endorsements. Hagerty & Guaranteed Value are registered trademarks of the Hagerty Group LLC, ©2026 The Hagerty Group, LLC. All Rights Reserved.