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American Modern Car Insurance Review

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American Modern Insurance is a specialist insurer that offers insurance to homeowners who cannot find appropriate coverage from traditional insurers. Overall, the company outperforms certain specialist insurers. American Modern covers select classic cars from the 1960s and 1970s and through the 2000s. They're a highly specialized organization with decades of experience, making it an excellent choice for those seeking personalized service.

Pros and Cons

Pros Cons
24-hour service: Representatives are accessible to assist you at any time, making it simple to obtain coverage. The rates of service offered by American Modern are a bit higher than the others.
Outstanding premiums: American Modern is known for its reasonable historic automobile rates and great deals. Claims process time seems to be comparatively longer.
Customized auto policies are available. Not much variety of discounts

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American Modern Classic Car Insurance Coverage

American Modern is a well-known car insurance company. The company was founded in 1965, providing them with almost 60 years of experience in specialty car insurance. American Modern is committed to ensuring the safety of your one-of-a-kind automobiles.

American Modern uses the following characteristics to determine whether or not your car is a classic:

  • Age
  • Rarity
  • Value
  • Unique characteristics
  • Spare usage
  • Parts and services are readily available.
  • Popularity among different generations

There are a few other requirements that can help you get American Modern Classic Car Insurance Coverage quickly:

  • Although there are no specific age restrictions for American Modern, the vehicle must have collector, antique, or classical value and be maintained and driven in the manner of collector automobiles.
  • Carports may be authorized, but the insured vehicle must be in a secure facility that is locked and properly enclosed.
  • American Modern offers 1,000, 3,000, 6,000, or unrestricted miles annual mileage coverage. However, you must ensure the car is only used for club functions, display meets, tours, and occasional pleasure driving, regardless of the mileage plan chosen.
  • For everyday driving, the insured driver must have a separate insured car, and an individual, trust, LLC, or business must hold the title of the vehicle.
  • American Modern offers a team of historic automotive experts on call 24 hours a day, seven days a week. They also provide an online quote and payment option.


Credits for car insurance discounts and collections differ for different categories at American Modern.

Category Discount
Car Club Membership 10%
Anti-theft devices 20%
Accident prevention course up to 10% in some states
AMsuite* Exclusive Homeownership, multiple policy, paperless policy and more discounts

*AMsuite Available States: AZ, CO, DC, OH, ID, IL, MO, WI

American Modern Customer Feedback and Satisfaction Report

Overall financial ratings of American Modern Insurance are outstanding. AM Best awarded it an A+ grade, indicating that the company has robust financial processes and that customers should have no concerns about its ability to pay future claims. Summary

American Modern is a well-known insurance company providing prompt and consistent service to all its customers. They have fulfilled the consumers' immediate needs with realistic solutions by providing the most efficient services. They provide consistent, uninterrupted, and cost-effective services.

About American Modern

The holding company for several subsidiary properties and casualty insurance companies provides specialty products for owners of various specialty dwellings. It includes homes, mobile homes, as well as collectible or recreational vehicles such as watercraft, snowmobiles, and motorcycles.

American Modern Insurance Group, Inc., which operates under the American Modern® insurance brand, is the holding company for many subsidiary property and casualty insurance companies that provide specialty products for owners of a variety of specialty dwellings such as seasonal homes and Pet insurance too is available.However, it is not related to American Family Insurance, a mutual insurance company.

Landlords, dealers, and communities in the prefabricated housing industry can all benefit from the company's business insurance services. Mortgage fire, debt cancellation, vendors' single interest, and collateral protection are among the services and products it offers to protect lenders' interests.

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Brief History

American Modern originated as an automobile financing company called The Midland Company in Cincinnati, Ohio, in 1938 and entered the insurance market in 1965 as a mobile home insurer with the founding of its American Modern division. The company began offering specialty plans in the late 1970s. By 2000, it had expanded to include coverage for watercraft, all-terrain vehicles, motorcycles, and snowmobiles.

Today, Munich Re owns American Modern Insurance Group, which continues to offer specialist insurance lines, including pet insurance and residential coverage for unusual scenarios like vacation homes or unoccupied properties.

Charitable causes

American Modern is a great proponent of several charitable and civic organizations that focus on education, healthcare, and youth, such as the Greater Cincinnati United Way (which raises over $500,000 yearly) and Arts Wave.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with


What type of vehicles does American Modern insure?

Antiques, Classics, Late Model Collectibles, Exotics, Street Rods, Hot Rods, Replica/Kit automobiles, Collector Trucks, Classic and Custom Motorcycles, Race Vehicles, Military Vehicles, Fire Engines, and a variety of other collectible vehicles are all covered under the American Modern umbrella.

Does American Modern offer any discounts for more extensive collections?

Of course. American Modern offers discounts for collections of automobiles (more than one vehicle) with a combined worth of $150,000 or more; they do provide vast discounts. Some of them are Unique Risk Discounts. Dispersed Risk, Security Measures, and Fire-Resistant Storage Structures are just a few of the discounts available, based on how the collection is stored.

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