Hagerty Auto Insurance Review (2021)

Got a classic car? Hagerty auto insurance specializes in protection for classic and collector cars by providing comprehensive, collision, and liability coverage.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Oct 20, 2021

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Company Details
Address: 141 River's Edge Drive #200
City: Traverse City
State: MI
ZIP Code: 49684-1303
Phone Number: 800-922-4050
Year Founded: 1991
Company Rating 0 (0 reviews)

Things to Remember...

  • Hagerty specializes in protection for unique vehicles
  • Hagerty offers comprehensive, collision, and liability coverage
  • Hagerty offers insurance products for classic cars and collector cars

This Hagerty auto insurance review will focus on the classic car insurance provider, Hagerty Insurance located in Traverse City, MI. Hagerty offers insurance products for classic cars and collector cars. They do not offer insurance for day-to-day automobiles.

Hagerty originated in January 1991. Hagerty specializes in protection for unique vehicles. Since these cars are not intended for daily driving usage, the premiums are often cheaper than regular car insurance coverage.

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What is Hagerty Insurance’s Contact Information?

141 River’s Edge Drive
Traverse City, Mi.

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Who Is The Hagerty Insurance Company?

The Hagerty Insurance Agency offers comprehensive, collision and liability coverage; however, they only offer classic car insurance. Hagerty currently serves clients in the United States and provides international service in Canada and the United Kingdom.

Are you a classic boat owner? Hagerty also offers specialty insurance services to clients with classic boats. Agent services can be accessed via their website at any time.

They also offer membership in what they call the Hagerty Drivers Club, which offers exclusive discounts, access to exclusive member events, and more.

What Is The Hagerty Insurance Claims Process Like?

Hagerty offers guaranteed value on their insurance policies for each customer. This is in contrast to other companies that offer actual cash value or stated value for an auto insurance policy.

Together with Hagerty, a determination is made on the insured value of your collector or classic car. In the event of a total loss, the full amount of the agreed-upon value is paid.

Hagerty has adjustors and part specialists that deal exclusively with classic or collector automobiles.

They will help you track down the right parts necessary to repair your type of vehicle.

An auto insurance claim can be filed online 7 days a week. Hagerty will respond to all claims within one business day.

Hagerty will assign an appraiser using a specialty network. For your convenience, they will call shops in your area to obtain estimates for your collectible vehicle. Hagerty pays the average damage auto insurance claim within 15 days. This is just one of the reasons that this provider is perfect for the collector car enthusiast; they have decades of experience in providing specialty insurance for any collector car owner.

What Do Hagerty Insurance Services Include?

Hagerty is a classic car insurance provider that gives you the ability to drive your collector vehicle with no fixed mileage restriction. They also have customized options based on your particular needs. This includes having multiple collector vehicles. It also includes vehicle restoration or construction.

Hagerty’s full coverage insurance policy includes comprehensive, collision, and liability.

In addition, the following services are offered for the classic car enthusiast:

  • Instant new purchase coverage gives you 30 days of coverage for up to $50,000 in value for your existing Hagerty classic car insurance policy. This only applies if you have a current insurance policy with the company, though.
  • Auto show medical reimbursement gives up to $10,000 in medical payments for clients and family members that are injured while attending an auto show or car-related function where you’ve taken an insured vehicle.
  • Motorcycle safety equipment coverage features up to $1,000 of coverage for safety apparel including leather pants, gloves, jackets, and helmets.
  • Spare parts coverage includes $750 of comprehensive coverage for spare parts needed. This is in addition to parts needed as a result of a collision. If more than $750 is needed, the coverage limit can be raised for an additional premium. If you’re interested in classic vehicle restoration, this can come in handy.
  • Any personal tools that are used to maintain or restore collector vehicles are eligible for coverage with your classic car insurance policy. That includes tool boxes, storage cabinets, and accessories.

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What Is Hagerty Insurance Coverage?

Hagerty is not your average auto insurance carrier and they even go above and beyond when providing collector car insurance. They will cover historic items that are linked to the vehicle. More information, or a complete description, on what items qualify for this coverage can be learned by contacting a Hagerty insurance agent.

Other property that may be considered includes farm implements, militaria, diner memorabilia such as soda shop signs, and barber shop memorabilia such as barber poles or signs.

Hagerty offers a special type of insurance for business use of your classic or collector car. This could be for photo shoots, movies, television commercials, small business promotions, or weddings.

The coverage can be used for an event lasting up to 72 hours. The insurance cost is 20 percent of the vehicle’s annual premium.

If you have a vehicle under construction, coverage is available for those as well. The value of the car will be raised 10 percent every quarter to a maximum of $25,000 per year. Having an under construction policy also offers up to $750 in coverage for your automotive tools.

Coverage is also available for traveling collectors. This includes $10,000 in accidental death coverage. There is access to a toll-free number for convenient towing that is dedicated to the needs and care of collector vehicles.

A traveling collector is eligible for up to $1,500 towards the use of a rental vehicle, repayment of lost event expenses and lodging required during repairs from a covered accident.

Traveling collector insurance also covers $750 for spare parts, $750 for tools and $250 for personal effects.


For customers who collect several vehicles, Hagerty offers a program called private client services. This program will automatically increase the value of the collection by 2 percent every quarter.

Hagerty offers specialized coverage if you are taking your car overseas. The insurance will cover the shipping as well as cover the vehicle while it is out of the country.

This includes transportation to and from the track, in storage, or during the pace laps. For all coverage types, Hagerty allows you to choose your own repair shop. They will also allow you to do the repairs yourself.

Classic car insurance is available for businesses that have collector cars on their property. This includes dealerships, restorers, builders, museums, storage facilities, events, and car clubs.

Hagerty offers an optional guaranteed flatbed truck roadside assistance program, too, which is great for those who like to partake in occasional pleasure driving of their collection instead of relegating it to a garage. Enrolling in this program also gives you the benefit of becoming a member of their classic car club, the historic vehicle association, giving you access to a community of collectors like yourself.

Access to the Hagerty Drivers Club includes extra benefits and services as well as a subscription to Hagerty magazine. It’s clear to see that this company provides so much more than just classic auto insurance.

What Do Hagerty Insurance Reviews Say?

Hagerty Insurance has been accredited with the Better Business Bureau since December of 1997. The current rating with the BBB is an A+. This is the highest possible rating available from the Better Business Bureau.

In the last 3 years, 3 complaints were filed with the BBB against this collector car insurance company.

All of these successfully resolved by the guidelines of the Better Business Bureau.

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  1. https://www.hagerty.com/
  2. https://www.hagerty.com
  3. https://www.progressivecommercial.com/coverages/liability/
  4. https://classiccars.com/
  5. https://www.allstate.com/tools-and-resources/motorcycle-insurance/collision-comprehensive-coverage.aspx
  6. https://www.progressive.com/glossary/comprehensive-and-collision/
  7. https://en.wikipedia.org/wiki/Accidental_death_and_dismemberment_insurance
  8. https://www.bbb.org/

One Response

  1. Chris Hooks July 20, 2018

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