Hagerty Insurance Company: A Comprehensive Guide to Classic Car Insurance

If you own a classic car, you know how important it is to protect your investment. That’s where Hagerty Insurance Company comes in. As one of the most trusted names in classic car insurance, Hagerty offers a range of coverage options to suit your needs. In this article, we’ll take a closer look at what Hagerty has to offer, including their policies, customer service, and more.

History of Hagerty Insurance Company

Founded in 1984, Hagerty is a family-owned business that specializes in classic car insurance. The company is headquartered in Traverse City, Michigan, and has offices in Canada, the UK, and Germany. Hagerty is known for their commitment to the classic car community, and they sponsor a range of events and organizations throughout the year.

Over the years, Hagerty has earned a reputation for excellent customer service, and they have won numerous awards for their policies and programs. With over 1 million policies in force, Hagerty is one of the largest classic car insurance providers in the world.

Policies Offered by Hagerty Insurance Company

Hagerty offers a range of policies to suit different needs and budgets. Here are some of the most popular options:

Policy Type
Agreed Value Policy
This policy allows you to lock in a specific value for your car, so you’ll know exactly how much you’ll receive if it’s damaged or stolen. This is a popular option for owners of rare or high-value cars.
Stated Value Policy
With this policy, you’ll choose a value for your car based on its condition and other factors. If your car is damaged or stolen, you’ll receive the stated value minus any applicable deductibles.
DriveShare is Hagerty’s car rental service, which allows you to rent out your classic car to other enthusiasts. You’ll be covered by Hagerty’s insurance during the rental period, so you can enjoy peace of mind while earning some extra cash.

In addition to these policies, Hagerty also offers coverage for spare parts, roadside assistance, and more. Their policy options are designed to be flexible and customizable, so you can build a plan that suits your unique needs.

Hagerty’s Customer Service and Claims Process

One of the things that sets Hagerty apart from other insurance providers is their commitment to excellent customer service. They have a team of knowledgeable representatives who can help you choose the right policy and answer any questions you may have. You can also manage your policy online, which is convenient if you don’t have time to call or visit an office.

If you need to file a claim, Hagerty’s process is straightforward and efficient. You’ll be assigned a claims adjuster who will guide you through the process and help you get your car repaired or replaced as quickly as possible. Hagerty also offers a 24/7 claims hotline, so you can get assistance anytime, day or night.

Frequently Asked Questions About Hagerty Insurance

How much does Hagerty insurance cost?

The cost of your Hagerty policy will depend on several factors, including the value of your car, your driving history, and your location. However, Hagerty’s rates are generally competitive with other classic car insurance providers.

Do I need to own a classic car to qualify for Hagerty insurance?

Yes, Hagerty specializes in insurance for classic, vintage, and collector cars. They do not offer coverage for everyday vehicles.

Is Hagerty the only classic car insurance provider?

No, there are several other insurance providers that specialize in classic cars, including Grundy, American Collectors Insurance, and Chubb. However, Hagerty is one of the largest and most well-known providers in the industry.

Can I get a policy through Hagerty if I live outside the US?

Yes, Hagerty has offices in Canada, the UK, and Germany, and they offer coverage in several other countries as well. If you’re interested in a policy, contact Hagerty to learn about your options.

What types of cars does Hagerty cover?

Hagerty offers coverage for a wide range of classic, vintage, and collector cars, including muscle cars, sports cars, and classic trucks. However, they do have some restrictions on the types of cars they’ll cover, so be sure to check with them before purchasing a policy.


If you’re the proud owner of a classic car, it’s important to protect your investment with a reliable insurance policy. Hagerty Insurance Company offers a range of policies and programs to suit different needs and budgets, and they have an excellent reputation for customer service and claims processing. Whether you have a rare, high-value car or a beloved vintage pickup truck, Hagerty has a policy that can help you rest easy knowing your car is covered.