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Why should I insure
through Hagerty?

Save $264* on average and get agreed value insurance for your classic.

We know there are other options out there. But no one knows classic cars and their owners better than Hagerty. We know how you treat your classic, what it means to you, and the lengths you’ll go to protect it. So we created classic car insurance and other great resources just for drivers like you—people who love classics as much as we do. Here’s how we do it:

A man bends over and wipes the wheel of a pristinely cared-for yellow sports-car with a cloth.
Lower premiums than daily driver insurance
We understand your classic car is a prized possession that will be driven sparingly and with great caution, so we adjust premiums accordingly—up to 36% lower on average than daily driver insurance.*
Daily driver insurance policies may rate your classic as if it’s a regular use vehicle—you will be charged as if you are driving the vehicle daily.
A person in a well-aged collector sports-car and a woman crossing a downtown street give each other a thumbs up.
Guaranteed Value® coverage
You tell us the value of your classic and we’ll affirm that it’s a fair, accurate number. Then, we guarantee that value will be paid to you in the event of a covered total loss.** Period.
Regular car insurance carriers offer “actual cash value” or “stated value” coverage, which may depreciate your vehicle in the event of a claim, resulting in a smaller payout than you anticipate.
A well-aged collector car cruises down a scenic highway next to a large body of water. Behind the car are green, rolling hills and a blue sky.
No fixed mileage
Cars are made to be driven. A policy through Hagerty allows you flexible usage—with no fixed mileage limits. You have the freedom of weekend cruising and more.
Even if you have full coverage through a regular car insurance carrier, there may be mileage and usage restrictions to control how and when your classic is driven.
A man wearing a headset and a blue Hagerty uniform smiles widely. Behind him are other uniformed employees sitting and working at computers.
Knowledgeable service and exceptional claims handling
All employees and claims adjusters receive classic car training. We know how to value and rate your classic from the start, recommending coverage specifically for how you use it. Should you have a claim, our in-house adjusters are skilled in understanding the intricacies of classic car repair and can source high-quality replacement parts in a jif.
A regular car insurance carrier may not be able to source original parts from your car’s maker, instead using only aftermarket parts. They may also depreciate the vehicle’s value in the event of a claim, leaving you with a car that’s a shell of its former self.
A group of men converse together under a large parking canopy, next to an angled row of parked collector cars with hoods up.
Hagerty Drivers Club®
Hagerty Drivers Club is the ultimate experience for people who love cars. Members enjoy unlimited service events for guaranteed flatbed towing with soft straps, battery jumps, lockouts and more, in addition to exclusive automotive discounts, members-only events, Hagerty magazine and premium access to Hagerty Valuation Tools®—all at a great value.***
Regular car insurance roadside coverage may not be offered or may not be able to guarantee a flatbed tow truck that can handle your classic with proper care.
A woman outside during a sunny, clear day peers through the passenger window at the interior of a mustard-colored, well-aged collector SUV for sale.
Industry-leading valuation expertise
Access to our team of valuation experts and tools will help you make the most informed choices on buying or selling—and insuring—your classic cars. Take full advantage of our comprehensive tools and resources to assess values and trends in the classic car market.
Regular car insurance carriers may not understand the factors that determine a classic’s value (condition, market demand, scarcity, provenance, etc.), which may affect whether your classic is insured properly or how much you are paid in the event of a claim.
A sitting senior man speaks outside surrounded by a large group of attentive kids and teenagers, and gestures both hands toward a retrofuturistic car in front of him.
We care about the future
We want you to be able to enjoy your collection well into the future, so we support the hobby through programs like the RPM Foundation, the Historic Vehicle Association®, and our hands-on Hagerty Youth Programs.
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* Figure based upon 2019 consumer data collected by Hagerty on single car quotes, with premiums $5000 and under, from several daily driver (or "everyday") auto insurance carriers.

** 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.

*** Membership by Hagerty Drivers Club (HDC), a licensed motor club and non-insurance subsidiary of The Hagerty Group, LLC. Roadside services provided by/thru Cross Country Motor Club. Only the HDC Program Guide contains a complete description of benefits.

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 Drivers Club, Guaranteed Value, and Hagerty Valuation Tools are registered trademarks of the Hagerty Group LLC, ©2019 The Hagerty Group, LLC. All Rights Reserved.