A classic modified vehicle.
Insurance for hot rods and modified vehicles

Your modified vehicle, hot rod or custom vehicle is one of a kind. Get insurance that reflects its individuality.

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Affordable coverage that pays what your modified vehicle is worth

Our team recognizes the time, effort, and significant parts that make your modified vehicle unique. They’ll work with you to determine a fair value upfront and if there’s a covered total loss our Guaranteed Value® coverage pays you that amount. Guaranteed.

Claims people who know cars

It’s all about the details here: our claims adjusters are trained in vehicle repair and work hard to get your modified vehicle fixed the right way including sourcing parts, your choice of repair shop or paying you to do the work yourself.

Protection for those important parts

Every policy includes $750 of coverage for your modified vehicle’s spare parts, like engines, chassis, tires, frames and hoods. Additional coverage that includes tools, automobilia and more is available.

What is classified as a modified vehicle?

Two classic hot rods.
Hot Rods and Street Rods
Typically pre-1950 American vehicles with large engines, detailed paint jobs and structural modifications.
An orange Restomod classic.
Resto Mod
Classic vehicles with a modernized drive train and safety features.
A classic red Chevrolet.
High horsepower vehicles that are tubbed and caged.
A classic custom cruiser convertible.
Custom Cruisers
1960s and newer big-bodied vehicles with 22” rims or 100-spoke wheels, hydraulics or airbag suspensions.
A silver Nissan Skyline GTR.
Custom Imports
Generally 1980s and newer Japanese and European cars with performance and/or aesthetic upgrades.

Additional coverages built for modified vehicles

Cherished Salvage®

If a covered total loss does happen and you want your vehicle to live on – to rebuild, for parts, or for personal reasons – with Cherished Salvage you can keep it and still receive its Guaranteed Value. No salvage value will be deducted from your final payment if you choose to retain your vehicle*. Cost is 15% of your vehicle’s physical damage premium.

Spare Parts

Your policy through Hagerty automatically includes $750 of comprehensive coverage for spare parts. Additional coverage is available beginning at just $1.

Automotive Tools

Coverage for personal tools used to maintain your modified vehicle including toolboxes, storage cabinets and accessories.


Includes any historic or collectible automobilia items such as posters and signs, gas pumps, model cars, license plates and much more.

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* Any deductible and/or salvage value if vehicle is retained by you will be subtracted from the total amount paid. Guaranteed Value includes all taxes and fees unless prohibited by state law.

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 is subject to policy provisions, exclusions and endorsements.