What Are the Best Collector Car Insurance Companies?
Last Updated on December 16, 2025
Collector cars have different insurance needs than ordinary vehicles — especially if you only drive yours on nice weekends, store it for months at a time, or have it mid-restoration.
The biggest difference is how your car is valued. Most specialty “classic/collector” policies use agreed value (you and the insurer agree on a value up front), plus rules around storage, usage, and mileage that help keep premiums reasonable.
Some insurers truly understand collector vehicles and offer perks like spare parts coverage, show/event coverage, flexible mileage tiers, and restoration-friendly protection. Others either won’t write classic policies at all, or they insure the car like a normal daily driver (which can leave valuation gaps).
Below are seven of the best collector car insurance companies to compare today — plus tips for choosing the right fit for how you actually use your vehicle.
Key Takeaways
- Collector car insurance is usually built around agreed value, meaning you set the car’s insured value up front instead of relying on depreciation after a total loss.
- Most classic car policies come with storage and usage rules (garage requirements, pleasure-use driving, and/or mileage tiers) that help keep premiums lower.
- Coverage details vary widely, so compare spare parts, restoration protection, towing/roadside assistance, and how the insurer handles specialty repairs.
- If you drive your classic more often, consider a program designed for regular use rather than a strict “car shows only” policy.
American Collectors Insurance
If you’re a USAA member (or you’re shopping through USAA’s insurance agency), American Collectors Insurance is a common option because USAA offers classic/collector coverage through an alliance with American Collectors.
American Collectors is built for “hobby use” vehicles, which is ideal if your car is mostly garaged, driven for pleasure, and taken to club events or shows. Policies are typically written on an agreed value basis, so you’re not relying on depreciation-based settlement math if the car is totaled.
Coverage can be customized with options like mileage tiers, storage/transport protection (for trailering and events), and add-ons such as roadside assistance and trip interruption. It’s also a strong fit if you want a classic-car-focused team that understands photos, documentation, and collector-friendly claims handling.
Tip: If you’re already with USAA, ask whether your classic car quote is eligible for any alliance-related discount or bundled savings. Availability and savings can vary by state and underwriting.
American Collectors Insurance Contact Info
Phone: (866) 730-0395
Website: https://americancollectors.com/
Grundy
Grundy is one of the best-known names in classic car insurance, particularly for owners who care about protecting a car that’s appreciating — or who want a straightforward collector-focused policy experience.
Like many specialty carriers, Grundy is known for agreed value coverage and collector-friendly rules (think pleasure use, events, and hobby driving). Many customers choose Grundy because it’s designed around classic vehicles instead of forcing you into a standard personal auto policy framework.
Grundy also promotes additional protection options aimed at owners who worry about the market value rising above what they originally insured. If you’re insuring something that’s trending upward (or you’re making significant upgrades), it’s worth asking how Grundy handles value changes and what documentation they want.
Bottom line: Grundy is a strong choice if you want a specialty carrier with a long track record and a collector-first approach.
Grundy Contact Info
Phone: (800) 338-4005
Website: https://www.grundy.com/about-grundy/contact-us/
Hagerty Insurance
If you’ve ever searched for classic car insurance, you’ve probably heard of Hagerty Insurance. Hagerty specializes in collector vehicles and is widely used by enthusiasts who want agreed value protection, flexible coverage options, and a classic-car-focused ownership experience.
One standout feature is Hagerty’s approach to cars that are actively being restored. If you’re investing money into a restoration, you’ll want to ask about “vehicle under construction” style coverage so your insured value can keep pace with the car’s changing condition and parts being added.
You may also run into Hagerty through mainstream carriers — for example, Progressive’s “Classic Car by Hagerty” program — which can be convenient if you already have a daily driver policy with Progressive. If your everyday auto is with Allstate or Nationwide, ask your agent what specialty classic options they can quote alongside your main policy.
Hagerty policies are typically designed for hobby/pleasure use (not daily commuting). If you want to drive your classic a lot, ask how Hagerty defines acceptable use and whether your expected annual mileage fits their underwriting.
Hagerty Insurance Contact Info
Phone: (800) 922-4050
Website: https://www.hagerty.com/
American Modern Insurance
American Modern Insurance Group is a major specialty insurer that writes a wide range of “non-standard” and specialty products — including collector vehicles. If you’ve shopped classic car insurance through GEICO, there’s a good chance you’ve seen American Modern because GEICO’s classic/collector auto offering is typically placed through partner carriers like American Modern (via the GEICO Insurance Agency).
American Modern can be worth a look if you want a more customizable setup — for example, selecting different mileage/usage options, adding specialty coverages, or insuring a vehicle that doesn’t fit the strict “show car only” profile. Depending on your state and the specific program, some policies can be more flexible than a traditional hobby-use-only collector policy.
As with any partner-placed policy, make sure you know who is writing the coverage, how claims are handled, and whether the policy is agreed value (ideal for collectors) or a different settlement basis.
American Modern Insurance Contact Info
Phone: (800) 543-2644
Website: https://policyholders.amig.com/content/munichre/amiggrp/policy-holder/storefront/en/landing-page/contact-us.html
Chubb
Chubb is known for premium personal insurance — and it can be an excellent option for high-value collector vehicles, larger collections, and owners who want a high-touch claims experience.
Chubb can be especially appealing if you care about OEM parts coverage and restoring the vehicle to pre-loss condition (or as close as reasonably possible). For rare cars, that can mean covering OEM parts when available — or covering specialized repair approaches when they aren’t.
If you’re considering Chubb, ask detailed questions about valuation, repair shop choice, coverage territory (in-state vs out-of-state), and how the policy treats custom work, rare parts, and specialty labor.
Chubb Insurance Contact Info
Phone: (800) 682-4822
Website: https://www.chubb.com/us-en/contact-us.html
Heacock Classic Insurance
Heacock Classic is a strong pick if you want a specialist that’s comfortable with a wide range of enthusiast vehicles — including classics, modern collectibles, and certain motorsport-related needs.
Heacock Classic is also popular with owners who value included extras like spare parts coverage and enthusiast-friendly roadside assistance. Many policies are designed around agreed value coverage, which is exactly what most collector owners want for a total loss settlement.
Heacock offers mileage tiers (with upper limits depending on the program). If you expect to drive your vehicle more than “occasional pleasure use,” make sure the mileage and usage rules match your real-world habits.
Heacock Classic Contact Info
Phone: (800) 678-5173
Website: https://www.heacockclassic.com/
Safeco
Safeco (part of Liberty Mutual) stands out because it offers a classic car program that can work for owners who drive their vehicle more than a typical “car shows only” schedule.
Safeco’s classic car insurance is commonly quoted in two flavors: a regular use option (higher annual mileage) and a restricted/limited use option (lower annual mileage). That can be a big deal if you actually like driving your classic and don’t want a strict hobby-use-only policy.
Safeco isn’t for every collector vehicle, and eligibility can depend on the car, how it’s stored, and what you use it for. If you’re on the fence, an agent can quickly tell you whether your vehicle fits the program.
Safeco Contact Info
Phone: (800) 332-3226
Website: https://www.safeco.com/customer-resources/customer-support
Quick Comparison of Top Collector Car Insurance Companies
Use this side-by-side table to quickly compare what each company is generally best known for, plus the kinds of collector situations they tend to fit.
| Company | Best for | Usage / mileage flexibility | Restoration-friendly | Notable extras |
|---|---|---|---|---|
| American Collectors | Hobby-use collector cars with agreed value | Usually mileage tiers; some higher-mileage options depending on program | Often yes (ask about value updates during restoration) | Show/event-focused options; storage/transport coverage add-ons |
| Grundy | Enthusiasts focused on agreed value and protecting appreciation | Generally designed for pleasure/hobby use (not daily commuting) | Can be, depending on underwriting | Collector-first underwriting; long classic-car track record |
| Hagerty | Mainstream, well-known collector specialist | Typically hobby/pleasure use; expectations around annual driving | Strong reputation for restoration-aware coverage options | Classic community perks; widely available via multiple channels |
| American Modern | Specialty programs; broader “fits more situations” quoting | Varies by state/program; can be more flexible than strict show-only policies | Often available (confirm how parts and in-progress value are handled) | Common partner option through large agencies (like GEICO’s) |
| Chubb | High-value vehicles/collections and premium claims handling | Often flexible for hobby use; details depend on account | Can be, especially for high-value/custom work (verify specifics) | Premium repair approach; strong “made whole” focus |
| Heacock Classic | Collector and enthusiast vehicles, including some niche needs | Typically mileage tiers (upper limits vary by plan) | Often yes (ask about “vehicle under restoration” options) | Spare parts and enthusiast-oriented coverages commonly emphasized |
| Safeco | Drivers who use their classic more regularly | Often offers higher-mileage / “regular use” options vs strict hobby-only plans | Sometimes, but eligibility rules can be stricter | Good fit when you want classic coverage without ultra-restrictive use rules |
How to Compare Collector Car Insurance Companies
Collector car insurance companies can look similar at a glance — until you dig into valuation, usage rules, storage requirements, and what’s actually covered during a claim.
Here are the best ways to compare quotes and avoid surprises later:
- Confirm the settlement type (agreed value vs. stated value vs. actual cash value). For most collector owners, agreed value is the gold standard because it avoids depreciation math after a total loss.
- Match the policy’s usage rules to your real life. Some plans are strict (shows/parades/club events only). Others allow more “regular use.” If you commute, run errands, or take long road trips, get that approved up front.
- Check storage requirements. Many specialty policies require an enclosed, locked garage. If you use a storage unit, shared facility, or seasonal storage, ask what’s acceptable.
- Compare mileage tiers and flexibility. The cheapest quote can become a headache if you’re constantly worried about staying under a mileage limit.
- Review spare parts, tools, and restoration coverage. Spare parts coverage limits vary widely. If you’re restoring a car, ask how the insurer handles increasing value as work progresses and how parts are covered in storage or transit.
- Don’t ignore roadside assistance and towing rules. Specialty towing (like flatbed) matters for low-clearance classics. If this is important to you, look for strong towing coverage or towing and labor coverage / roadside assistance.
When in doubt, prioritize the policy that matches how you store and drive the vehicle — and that clearly documents the agreed value and coverage options in writing.
FAQs on Collector Car Insurance
Final Word
The “best” collector car insurer depends on how you use your vehicle. If it’s mostly garaged and driven for pleasure, a specialty agreed value policy from a collector-focused carrier is often the cleanest fit. If you drive your classic more often, look for a program (like Safeco’s) that’s designed for more frequent use.
Get at least a few quotes, compare the agreed value and usage rules side-by-side, and choose the company that protects the car the way you actually own it.
