Insurance through Hagerty
How to qualify for insurance through Hagerty

We know you love your classic and collector vehicles, and we want to help you protect and enjoy them.

A man polishing his beloved, black Corvette.

Qualifications for insurance through Hagerty


A policy through Hagerty allows you to use your collector vehicle for club functions, exhibitions, organized meets, tours and even occasional pleasure driving—it just can't be your daily driver.


Though we prefer that collector vehicles are stored in an enclosed, secure structure when not in use—such as a private garage, pole barn or storage unit—we will consider other storage types, including:*

  • Carports
  • Driveways
  • Parking garages
  • Car hauling trailers

Driver eligibility

In most states, we can only offer coverage to drivers who have not had a serious infraction within the last three years.** Serious infractions include:

  • Alcohol-related offenses
  • Reckless driving
  • Excessive speed violations

Regular-use vehicles

  • All household members with a valid driver’s license must have a regular-use vehicle for daily driving (Motorcycles and public transportation are not considered viable regular-use vehicles by our program in most cases. Contact us for details.)
  • Applicants must also maintain regular-use insurance in their own names

Types of vehicles we protect

Vehicles that may not qualify

Because we provide low-cost, Guaranteed Value® coverage, we are not able to provide coverage for certain vehicles due to how they are used and the increased risk associated.***

  • Off-road or recreational vehicles
  • Daily-use vehicles
  • Commercial-use vehicles
  • Motorcycles with performance modifications
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* Storage and driver eligibility are subject to underwriter review and to all applicable state and underwriting restrictions.

** Subject to all applicable state restrictions.

*** 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.

Hagerty & Guaranteed Value are registered trademarks of the Hagerty Group LLC, ©2024 The Hagerty Group, LLC. All Rights Reserved.