Hagerty Auto Insurance Review (2024)

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

UPDATED: Nov 2, 2023Fact Checked

Merriya Valleri

Insurance and Finance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Insurance and Finance Writer

Kristen Gryglik

Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

Licensed Insurance Agent

UPDATED: Nov 2, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Nov 2, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Nov 2, 2023Fact Checked
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Hagerty Insurance

Average monthly rate for good drivers:

$125

A.M. Best rating:

A-

Complaint level:

Low

Pros

  • Hagerty specializes in protection for unique vehicles
  • Hagerty offers comprehensive collision and liability coverage

Cons

  • Hagerty only offers insurance products for classic cars and collector cars

Final Verdict: Review of Hagerty Insurance

Hagerty is a classic car insurance provider that allows you 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.

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, the premiums are often cheaper than regular car insurance coverage.  

What You Should Know About Hagerty

An auto insurance claim can be filed online seven 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 this provider is perfect for the collector car enthusiast; they have decades of experience providing specialty insurance for any collector car owner.

Hagerty contact information:

141 River’s Edge Drive
#200
Traverse City, Mi.
49684-1303
Phone:
800.922.4050
Fax:
231.941.8227
https://www.hagerty.com

The Better Business Bureau has accredited Hagerty Insurance since December 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 three years, three complaints were filed with the BBB against this collector car insurance company.

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

 

Hagerty Insurance Coverage Options

Hagerty is a classic car insurance provider that allows you 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 used to maintain or restore collector vehicles are eligible for coverage with your classic car insurance policy. That includes toolboxes, storage cabinets, and accessories.

 

 

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Frequently Asked Questions

What is Hagerty Auto Insurance?

Hagerty Auto Insurance is a specialty insurance company that focuses on providing coverage for classic cars, vintage vehicles, and collector cars. They offer policies tailored specifically to the unique needs of classic car enthusiasts.

What types of vehicles does Hagerty insure?

Hagerty insures a wide range of vehicles, including classic cars, vintage motorcycles, trucks, modern collectibles, and even retired commercial vehicles. They also cover high-value vehicles, rare models, and limited-production vehicles.

Can I insure my everyday vehicle with Hagerty?

No, Hagerty specializes in insuring classic and collector vehicles that are not used for daily commuting or regular transportation. Their policies have restrictions on mileage and usage to reflect the occasional and hobbyist nature of these vehicles.

What coverage options does Hagerty offer?

Hagerty offers comprehensive coverage options for classic cars, including agreed value coverage, which ensures that you receive the full insured value of your vehicle in the event of a covered total loss. They also provide coverage for spare parts, automotive tools, and even automobilia.

Does Hagerty provide roadside assistance?

Yes, Hagerty offers roadside assistance as an optional add-on to their policies. This service provides coverage for services like towing, fuel delivery, lockout assistance, battery jump-starts, and more.

Merriya Valleri

Insurance and Finance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Insurance and Finance Writer

Kristen Gryglik

Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Hagerty

3.91 (16 reviews)
1
January 3, 2022

Awetz

BE AWARE

On october 23,2021 i had a vehicle stolen that i had insured through hagerty since then they have refused to pay out claim after requesting a Substantial ammount of information from me as i provided more then enough info they have recorded me 2 times made me tell them about all my finacials and went around to all my neighbors and gave out personal information to them and made me look like a bad guy also asking me information about when i purchase...
On october 23,2021 i had a vehicle stolen that i had insured through hagerty since then they have refused to pay out claim after requesting a Substantial ammount of information from me as i provided more then enough info they have recorded me 2 times made me tell them about all my finacials and went around to all my neighbors and gave out personal information to them and made me look like a bad guy also asking me information about when i purchased the vehical and who i bought it from which is totally Irrelevant to the Situation and now are requesting phone records which is bizzare being that if they didnt belive me from the start what is a phone number going to tell them,I am a business owner my self and would never ever treat my customers like this ,it wasnt like i had a choice to have insurance and seems like hagerty is the only ones that handle classic car insurance and at the end of the day i paid them to protect my vehical and they have treated me like a criminal and i do not think this is fair no matter what the situation is at the end of the day my car was stolen and i paid them to protect it its not like i had control of my car getting took i mean obviously if i could have controlled it it would have never happend . I think it is Fraudulent to have a customer pay for protection and when it comes down to paying they dont have any intention of paying and are requesting Substantial ammounts of information they have also badgerd people about it that have no control over what happend to the point where they are offended which no one should ever have to feel that way
5
April 20, 2020

mkc211

Couldn’t be easier and saved big.

Was very easy to insure a classic VW lethally less than 15 minutes and saved hundreds of dollars. Filled out online form in seven minutes, got on the phone with [REDACTED NAME] that took another 5 minutes. Saved from a Commerce Insurance now MapFre policy that was way overcharging me.
5
January 31, 2020

jjdigby

The best ever

Awesome saved me a lot of money. I would Highly recommend hagerty insurance to anyone with a classic car
5
August 18, 2019

draftybarn

Great insurance for my classic car

Excellent service, great pricing, attention to detail and roadside service. The best choice for classic cars.
5
March 29, 2019

Brandon111

Best classic car insurance company

The company is very reasonable and has very good customer service. Never had any kind of issue. Again best insurance company ever
5
March 21, 2019

Yfz450chris

Say yes to their Classic car insurance coverage!

I purchased classic car insurance from this place. You do have to fill out a form for review by their team. It seems like you dont know what to expect. However they contact you by the next business day with all of your options. My insurance is very affordable and worth what I pay. Even though I drive my classic very few miles. It is by far, worth knowing my pride and weekend joy is covered! I highly highly recommend these guys. They are absolute...
I purchased classic car insurance from this place. You do have to fill out a form for review by their team. It seems like you dont know what to expect. However they contact you by the next business day with all of your options. My insurance is very affordable and worth what I pay. Even though I drive my classic very few miles. It is by far, worth knowing my pride and weekend joy is covered! I highly highly recommend these guys. They are absolutely professional and get the job done by far!
1
March 2, 2019

Richiecuz

Outrageous renewal quote

My premium went from $492 with a $0 deductible $13,000 worth of coverage to after 4 calls $705 with a $1500 deductible $15,000 worth of coverage all because I was honest and told them I purchased 22" wheels for my Impala SS. Could have lied and said nope still has the stock wheels since they sit right along side my vehicle in my Locked garage inside my Gated community. I even explained I don't care to cover the wheels I want my Impala covered. I ...
My premium went from $492 with a $0 deductible $13,000 worth of coverage to after 4 calls $705 with a $1500 deductible $15,000 worth of coverage all because I was honest and told them I purchased 22" wheels for my Impala SS. Could have lied and said nope still has the stock wheels since they sit right along side my vehicle in my Locked garage inside my Gated community. I even explained I don't care to cover the wheels I want my Impala covered. I was advised thats not a choice for me now and because I was honest I show intent to want bigger wheels so there was nothing I could do. Outrageousness is the best word I can use. People check out American Modern, American Collectors, Gundy, Safeco or JC Taylor. Hagerty is not the only company out there. Don't let them bully you into higher insurance. Thanks for reading.
4
August 23, 2018

Angie2018

Great classic car insurance

One of the few insurance companies that will actually insure my DeLorean. They're a pretty good insurance company.
5
August 23, 2018

buj999

Good company

I've had nothing but great service with Hagerty. The agent was polite and very helpful. She explained everything precisely and completely. My past experience with them has been excellent, also.
5
May 25, 2018

Redbaron2

Classic and collector vehicle insurance for the regular guy.

This is a great insurance company for classic and collector vehicles! They have very reasonable rates.
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