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Hagerty Auto Insurance Review

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Classic cars have special requirements when it comes to auto insurance. However, choosing the right insurance for your vintage or collector car can be challenging. While most cars depreciate over time, the value of classic cars increases in value. An insurance policy designed uniquely for collector vehicles is best to protect your car’s value. Hagerty auto insurance is a classic car insurer specializing in vintage and collector vehicles.

Also, Hagerty Classic auto insurance guarantees reimbursement for the same value when your car gets totaled. Their policies of Hagerty are made for your specific requirements. So, we have researched Hagerty’s policies, rates, and reviews. This info will help you find a suitable insurer for your vintage or collector car.

Pros and Cons


  • Complete reimbursement if your car gets totaled
  • Personalized coverage
  • Attractive premiums
  • Flexible policies
  • Offers policy rates that are lower than the average rates


  • It doesn’t provide high-risk coverage
  • Strict restrictions on the use of coverage
  • It doesn’t offer many discounts
  • The level of customer service varies by state

Unique Hagerty Auto Insurance Features

Hagerty Classic auto insurance offers the following features.

Unique Features What does it do
Guaranteed value® coverage If your cargets totaled in an accident, you will fully get the insured value. Since there is no depreciation, this is an excellent coverage option.
Spare parts coverage This coverage plan protects thevaluable tools and spare parts you may have on hand to keepyour car running smoothly. When your car requires repairs, you can also get original replacement parts.
Medical coverage If someone gets injured at an auto show or related event, this coverage protects you and your family.
Preferred repair shop You need to be choosy when repairing and maintaining your collector car. You choose who will do your car’s work.
Hagerty plus plan It offers you 24-hour roadside assistance if you require a tow or a tire change while on the road.

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Hagerty Auto Insurance Coverages

These are insurance coverages provided by Hagerty Classic auto insurance.

  • Comprehensive coverage
  • Collision coverage
  • Bodily injury liability
  • Property damage liability
  • Uninsured motorists coverage

To know in detail about the various types of auto insurance coverage, check

Hagerty Auto Insurance Rates

Since Hagerty offers insurance coverage to vintage or collector cars, their coverage will differ from the basic car insurance policies. Like other insurers, the cost of a Hagerty auto insurance policyis determined by your age, the type of vehicle, your location, and the type of coverage you choose. Fortunately, Hagerty auto insurance quote rates are around 39% lower than a typical driver’s pay for a regular insurance policy.

The lowest monthly premium for Hagerty starts at $100, but it differs by state.Hagerty offers zero deductibles for many vehicles,but other choices vary based on your state and the type of vehicle you’re insuring. You can see your deductible options when you find an online quote. The Hagerty auto insurance rates will often surge after filing a claim.

Hagerty Classic Car Insurance does not evaluate the policy costs based on your car’s mileage. It does limit how regularly your car can drive, which allows you to enjoy your vintage car without fear of a higher premium.You can also save some dollars on annual premiums by bundlingup policies such asmotorcycle,truck, rentals, tractor, valuation tools,and more.

Poor driving records with violations for these offenses can make you ineligible for Hagerty auto insurance.

  • Excessive speeding
  • Irresponsible driving
  • Alcohol-related offenses

Hagerty Car Insurance by Vehicle Type

Vehicle Type Average Annual Premium
1970 Chevrolet C10 Pickup $420
1974 Alfa Romeo Spider (Done 32k miles and valued at $17,000) $261
1977 Mercedes-Benz 280SL (Done 87k miles and valued at $12,000) $275
1999 BMW M Coupe -(Done 26k miles and valued at $33,000) $574
1957 Chevrolet Bel Air Sport Coupe $456
1966 MG MGB - (Done 87k miles and valued at $17,000) $188
1966 Ford Mustang Coupe - (Done 83k miles and valued at $17,900) $214

Hagerty Auto Insurance Discounts

One of Hagerty’s main disadvantages is that the company doesn’t provide many discounts on insurance policies. However, those who join the Hagerty Drivers Club will be eligible for specific Hagerty auto insurance discounts. Hagerty Drivers Clubis a car enthusiast community where members can enjoy special events and roadside assistance personalized exclusively to collector cars. You will also get a subscription to Hagerty’s magazine for $45 a year.

Hagerty Auto InsuranceCustomer Feedback and Satisfaction Report

Hagerty Classic auto insurance is popular among vintage car owners. Some customers have excellent feedback about the claims handling as their cars got repaired without much trouble. But, there have been a few complaints about the company too. A few customers noticed a lack of communication from the company representatives when they gave the car for repair. Some customers were also made to pay out the claim.

See what you could save on auto insurance Summary

Based on our research, Hagerty auto insurance provides affordable insurance policies for collector cars. However, drivers with a poor driving record or who don’t need specialty insurance should look for other options. Since, being a specialty insurance company, Hagerty has strict demands on how you use their policies. So, if you need a flexible usage plan, it is better to look for other insurers.

The representatives have excellent knowledge about vintage cars. However, they also offer many valuable articles and resources to guide you in owning, maintaining, and insuring a classic vehicle. Be mindful that the level of customer service can differ as Hagerty partners with many local agents all over the country. Better Business Bureau (BBB) has given an A+ rating for Hagerty on their website.

A Brief History of Hagerty

Frank and Louise Hagerty founded Hagerty in 1984 after they could not find acceptable insurance coverage for their wooden boats. Primarily focusing on antique boats, the company later extended its coverage into automobiles and other vehicles. They started giving insurance coverage to vintage carsin 1991. McKeel Hagerty, Frank and Louise Hagerty’s son, took over as CEO in 2000. Under McKeel, they launched the Hagerty magazine that covers vintage and enthusiast vehicle markets. Hagerty’s has its headquarters in Traverse City, Michigan. The company also hasmany offices inother parts of theUS, Canada, and the United Kingdom.

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

Frequently Asked Questions

Is Hagerty car insurance good?

Yes. It offers affordable insurance policies for vintage and collector cars. But,the company has strict restrictions on how you use their policies. So, it is better to look for other insurersif you’re looking for a flexible usage plan.

Does Hagerty insure new cars?

Go for Hagerty insurance if you own a vintage car. Collector cars built before 1980, a few exotic cars manufactured after 1980, and classic trucks/SUVs manufactured in 1996 or earlier can opt for Hagerty insurance.

Does Hagerty have full coverage?

Yes. Hagerty insurance policies have exclusive extra coverage that larger car insurers cannot provide. Hagerty offers specialized coverage to protect your vehicle’s restoration at all stages.

What does Hagerty insurance cover?

Traveling Collector coverage from Hagerty allows you to recover up to $1,500 for the use of a rental vehicle. Also, they provide reimbursement of lost event expenses (tickets, fees, etc.) and lodging while doing repairs. The company also offers additional coverage for spare parts and accidental death protection.

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