Insurance products
Insurance for hot rods and modified vehicles

Get specialty insurance for your hot rod, modified, or custom vehicle.

Person sitting in stationary classic car

Affordable coverage options that can be customized to you and your unique vehicle.

What classifies as a modified vehicle?

  • Hot rods, street rods, resto mods, kit cars/replicas, pro-street, cobra replicas, low riders, tuners, and more.
  • Significant performance increases
  • Structural alterations to body/chassis/frame
  • Custom paint job worth $10,000 or more
A close-up of a yellow collector vehicle with a green custom paint job
Custom paint job
A modified red collector vehicle
Vehicle modification
A red and white collector vehicle with an enhanced engine.
Engine enhancement

Additional optional coverages

  • Cherished Salvage - In the unfortunate event of a covered total loss, keep your vehicle and still receive its Guaranteed Value®. No salvage value will be deducted from your final payment if you choose to retain your vehicle.
  • Spare Parts - Your policy through Hagerty automatically includes $750 of comprehensive coverage for spare parts. Includes engines, chassis, tires, frames, hoods and more. Additional coverage available beginning at just $1.
  • Automotive Tools - Coverage for personal tools used to maintain your modified vehicle. Includes tool boxes, storage cabinets, and accessories.
  • Automobilia - Cover your valuable automotive collectibles. Includes any historic or collectible automobilia items such as posters and signs, gas pumps, model cars, license plates, and much more.
Get insurance that works for you
Let's talk about your modified vehicle. Get a quick quote online or call us today.
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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.