Read on to learn more about classic car coverage from Hagerty auto insurance.


When you own classic vehicles, you have different needs when it comes to insuring them. Car enthusiasts around the country find the right coverage with Hagerty Insurance, a company that has many options for classic and vintage automobiles.

Read on to learn more about Hagerty insurance reviews, industry reputation, and coverage options.

To start, we recommend that you get quotes from the best car insurance providers in your area by calling our team at (844) 246-8209 or filling out the form below:


In this article:



Hagerty Auto Insurance Overview

Hagerty was founded in 1984 when Frank and Louise Hagerty discovered a need for specialty vehicle insurance. But the company didn’t start with auto insurance. Frank and Louise were boat enthusiasts who had trouble trying to protect their boats. After insuring boats for a few years, Hagerty expanded its specialty coverage in 1991 when the company started covering classic cars.

Now, Hagerty is run by Frank and Louise’s son, Mckeel Hagerty, and is the leading insurance company for classic and historic vehicles. Hagerty is headquartered in Traverse City, Michigan, and it has locations around the world in the United States, Canada, and the United Kingdom.

Because the company’s founders had a passion for classic cars and boats, Hagerty extends its dedication to every customer. This provider is known for being very knowledgeable about classic cars and how they need to be maintained.

Classic auto insurance policies can be a tad complicated if you are new to historic vehicles. However, Hagerty’s local customer service agents have a decent reputation for answering questions and assisting the insured.



Hagerty Auto Insurance Coverage

It’s always important to explore your options for the type of car insurance coverage you need. However, Hagerty auto insurance is not your typical coverage. Hagerty is known for its classic car insurance, providing protection for antique and classic cars, classic trucks, utility vehicles, and modified vehicles manufactured in 1980 or later.

Because customers are not using these classic vehicles for daily activities like commuting to work and school, the coverage they need will be different than basic car insurance. Here are some options for Hagerty auto insurance:

  • Guaranteed Value® Coverage: If your vehicle experiences a covered total loss, you will be awarded your car’s agreed-upon insured value in full. This is a great coverage option because there is no depreciation.
  • Spare Parts Coverage: This plan protects the valuable tools and spare parts you may have in order to keep your vehicle running efficiently. You also have access to original replacement parts when your vehicle needs repairs.
  • Hagerty Plus Plan: This plan includes 24/7 roadside assistance should you need a tow or a tire change while out on the road.
  • Medical Coverage: This option covers you or your family if someone becomes injured during an auto show or related event.

Hagerty is one of the top auto insurance carriers for classic and historic vehicles, so it places strict limitations on how coverage can be used. Insured classic cars cannot be used for daily driving. However, Hagerty auto insurance places no mileage limitations on occasional pleasure driving. This includes trips to club functions, exhibitions, tours, and organized meetings.

Hagerty auto insurance policies require that you store your classic car in a secure, enclosed structure like a garage or residential storage unit. All members of your household with a valid driver’s license must have a vehicle meant for daily use and maintain regular car insurance for each of those vehicles.

You will not be eligible for Hagerty auto insurance if you have a poor driving record, with violations for:

  • Alcohol-related offenses
  • Excessive speeding
  • Reckless driving

Drivers with an unsafe driving history will become a liability to insure, so Hagerty restricts them from starting a policy.

If you need roadside assistance, Hagerty works to dispatch help within 60 minutes of your call. Actual response time will depend on the weather, traffic, and current demand.



Hagerty Auto Insurance Cost And Discounts

Like many providers, the cost of a Hagerty auto insurance policy will depend on your age, the type of vehicle you want to insure, your location, and the type of coverage you select. Fortunately, Hagerty promises rates that are on average 39 percent less than the amount a daily driver would pay for regular insurance.

The company’s minimum monthly premium starts at $100, but it varies by state. Hagerty offers zero deductibles for many vehicles, but other options vary by state and the type of vehicle you’re insuring. You can view your deductible options when you get an online quote.

It is important to note that auto insurance rates with Hagerty will often increase after you file a claim.

Hagerty Drivers Club

Hagerty does not have a lot of discounts, but those who sign up for the Hagerty Drivers Club are eligible for certain discounts on their Hagerty auto insurance. The club is a community for car enthusiasts where members can enjoy special events and roadside assistance designed specifically for collector cars. For $45 each year, you also get a subscription to Hagerty’s magazine.



Hagerty Insurance Reviews

Hagerty auto insurance has a range of mixed customer reviews online, which depend on the service location. And although the provider is not accredited with the Better Business Bureau (BBB), it earned an A+ rating on the site.

On Trustpilot, Hagerty has a 4.5-star average rating. Most customers compliment Hagerty’s customer service, while complaints included issues with communication during the claims process. Check out some of these Hagerty insurance reviews:

“The one and only claim I ever made was shortly after I switched my insurance to Hagerty. There was no hassle/problems in getting my car repaired. The couple of times I needed a tow truck, my call was immediately handled.”

-James via Trustpilot

“Terrible communication skills and lack of urgency; my client's vehicle has been in the shop for over two months and we cannot get our assigned claims representative or their manager on the phone nor a response to our emails.”

-Sara via Trustpilot



Hagerty Technology And Mobile Apps

Hagerty has a secure portal on its website where customers can log in and view details about their account, pay their bill, and manage their policy.

Hagerty also offers Hagerty Valuation Tools, which help you determine the value of your classic car. You can view information about current values, similar vehicles that are currently on sale on eBay, model history information, and market trends. You can also subscribe to the printed Hagerty Price Guide, where each issue includes up-to-date prices for collector cars.

Lastly, the Hagerty Insider app can help you track auction results and see classic cars for sale.



Our Take On Hagerty Auto Insurance: 4.0 Stars

We rate Hagerty auto insurance 4.0 out of 5.0 stars. Haggerty offers affordable coverage options for collectors cars. Drivers with a poor driving record or who do not need to insure specialty vehicles may want to look into other providers.

The company is known for representatives’ knowledge of vintage cars and makes it a goal to provide lots of resources and helpful articles to guide you through owning, maintaining, and insuring a classic vehicle. Hagerty is also dedicated to giving back to the community in the form of educational programs for youth and classic car enthusiasts.

Because Hagerty is partnered with local agents around the country, the level of customer service you experience may vary.

Pros Cons

Extensive knowledge of classic cars

Strict limitations on how coverage can be used

No mileage limitations for occasional pleasure driving

Not many discounts

Lower-than-average rates

Nice provider

Positive customer service reviews

Level of customer service may vary depending on state

Technology to access customer portal and obtain accurate valuation


Overall, we think Hagerty auto insurance is an excellent choice for those with classic cars. That being said, we always recommend getting multiple car insurance quotes to compare coverage and rates. Use the tool below or call our team at (844) 246-8209 to get started comparing your free online quotes:



Recommended Providers

Shopping for car insurance does not have to be complicated or difficult. To ease your process, we researched the best car insurance companies around the nation. We checked things like customer service, coverage options, affordability, service locations, and more.

While you’re researching Hagerty auto insurance, check out two of our top providers, Geico and USAA to see if either is a good fit for your needs.



Geico Insurance logo

Geico: 4.5 Stars

Geico car insurance has been serving customers since 1936 and is a great option for students and the military. It has affordable options for traditional car insurance coverage and great customer service. For classic car insurance, Geico is partnered with American Modern Insurance Group and Assurant to provide coverage for classic vehicles. Overall, we gave Geico a 4.5-star rating. For more information, read our Geico auto insurance review.



USAA Insurance logo

USAA: 5 Stars

USAA car insurance was built for military members and their families. We gave the provider a 5.0 overall rating, because it is known for a great customer experience. USAA offers similar standard coverages as Geico, with the additional options for accident forgiveness and total loss coverage. In terms of classic cars, you can get agreed-value coverage, flexible mileage plans, and automatic coverage for new vehicles in your collection through USAA partners. For more information, read our USAA auto insurance review.



Get A Quote

Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.

Use our tool below or call (844) 246-8209 to start comparing personalized car insurance quotes:




Hagerty Car Insurance FAQs

How old does your car have to be for Hagerty?

To qualify for Hagerty auto insurance coverage, the age your car must be depends on the type of vehicle. Collector cars must be built before 1980. Classic trucks and SUVs must be built in 1996 or earlier. Last, some exotic cars qualify for coverage even if they were manufactured after 1980. Get a quote for your car to see if you qualify.

Who has the best classic car insurance?

Hagerty has a reputation for offering great classic auto insurance. It is known around the country as the expert on historic vehicles because its founders were passionate about the hobby themselves. Because Hagerty works with partners, however, the level of customer service may vary by service location.

Are imported cars more expensive to insure?

Yes, imported cars often cost more to insure, because their parts tend to be more costly and harder to find. Talk with a local Hagerty auto insurance agent to get more details on insuring your specific make and model.

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