Grundy Auto Insurance Review

Last Updated on January 6, 2026

Grundy Insurance is one of the best-known names in the collector-car world. It’s most famous for agreed value coverage on classic and collectible vehicles—but Grundy also offers agreed value protection for many regular-use vehicles through its Motor Vehicle Program (MVP).

Grundy can be a strong fit if you have a garage-kept collector car that isn’t your daily driver and you want a clear payout amount if the vehicle is totaled or stolen. The tradeoff is that eligibility rules and usage requirements can be stricter than standard auto insurance.

Below is a refreshed look at Grundy auto insurance: what they offer, who qualifies, what customers say, and how to contact Grundy if you want a quote or need help with a claim.

What Is Grundy Insurance?

Grundy (The James A. Grundy Agency, Inc.) is a Pennsylvania-based insurance agency that specializes in agreed value coverage—especially for classic and collector vehicles. Grundy traces its roots to 1947 and credits founder James A. Grundy, Sr. with inventing agreed value insurance for collector cars. You can read their version of the story on Grundy’s official history page.

While Grundy is best known for helping owners insure a classic or collector vehicle, the company also markets agreed value coverage for many modern vehicles through MVP, plus specialty insurance for higher-value assets (like collections and homes).

Grundy Auto Insurance Programs

Collector Vehicle Program

This is Grundy’s classic product: agreed value insurance designed for collector vehicles. Grundy markets this program as providing strong protection at a lower cost than typical auto insurance because collector cars are usually driven less and stored more carefully.

Motor Vehicle Program (MVP)

MVP by Grundy is positioned as an agreed value policy for multiple vehicle types—not just collector cars. Grundy advertises MVP as a way to put collector cars, daily drivers, trucks, trailers, and more on one policy with agreed value protection (availability and rules can vary by state and underwriting carrier).

How Grundy’s Agreed Value Insurance Works

With agreed value coverage, you and the insurer agree on a specific dollar amount for the vehicle. If the vehicle is stolen or declared a total loss (and the loss is covered), the payout is based on that agreed value instead of a depreciated “actual cash value” number.

This is one of the biggest reasons collector-car owners look at Grundy: agreed value is designed to protect vehicles whose real-world market value doesn’t always match standard valuation tools. If you want a deeper breakdown of how agreed value compares to other valuation styles, see agreed value vs. stated value car insurance policies.

Grundy Eligibility Rules and Vehicle Requirements

Collector-car insurance is often cheaper because it assumes lower risk. In exchange, insurers usually require certain storage and usage rules. Grundy is no different.

• Your collector car generally can’t be your daily driver: Grundy’s Collector Vehicle Program is built around pleasure driving and collector-oriented activities—not everyday commuting.
• You typically need a separate regular-use vehicle: Grundy commonly requires you (and household drivers) to have another vehicle for everyday use.
• Garage storage matters: Collector vehicles are generally expected to be stored in an enclosed/secure garage when at home.
• Driving restrictions can still exist even with “unlimited miles” marketing: Grundy often advertises no mileage tracking for pleasure driving, but the purpose of use still matters (pleasure vs. errands/commuting).
• Age requirements may apply: Some Grundy collector policies list minimum driver age requirements (for example, 25+). Always confirm the current underwriting rules for your household.

Bottom line: Grundy can be a great deal for the right driver—but you’ll want to read the usage and storage rules carefully so you don’t buy a policy that doesn’t match how you actually use the vehicle.

What Does Grundy Auto Insurance Cover?

Coverage varies by program, state, and underwriting carrier, but Grundy’s Collector Vehicle Program commonly highlights features like the following:

• Agreed value physical damage coverage: A guaranteed agreed value payout for a covered total loss or theft.
• Comprehensive and collision: Protection for theft, vandalism, weather, animal collisions, and crash damage (learn more about comprehensive coverage and collision coverage).
• Liability coverage: Pays for injuries and property damage you cause to others (see auto liability insurance explained).
• Personal injury protection (PIP) in some states: If required, your policy may include personal injury protection (PIP).
• Uninsured/underinsured motorist protection: Helps if you’re hit by a driver with no coverage or not enough coverage (more on uninsured motorist coverage, including how it can help in a hit-and-run).
• Trip interruption and towing/labor perks: Some Grundy collector policies advertise trip interruption reimbursements and towing/labor benefits (if you want the general concept, here’s a guide on auto insurance and emergency travel expenses and another on towing coverage).
• Spare parts coverage: Collector policies often include a limited amount of coverage for spare parts stored at home.

MVP Coverage Highlights

Grundy markets MVP as agreed value protection for a wider set of vehicles. MVP marketing commonly highlights features like agreed value protection on multiple vehicles, optional higher replacement cushions in some states, roadside/breakdown help, and transportation coverage while a vehicle is being repaired.

If MVP includes rental/transportation coverage on your policy, it’s similar in concept to rental reimbursement coverage, although limits and rules depend on the contract.

Some Grundy programs also advertise glass coverage in many states; here’s a quick explainer on full glass coverage if you’re comparing policy perks.

How Much Does Grundy Cost?

Grundy doesn’t publish one standard price because premiums depend on your vehicle type, agreed value, location, driver profile, storage setup, and how the vehicle is used.

That said, Grundy publicly claims its collector-vehicle program “saves you at least 50%” versus regular car insurance for many drivers. Whether that’s true for you will depend on your situation—and on whether you can meet the policy’s eligibility and usage requirements.

If you’re shopping around, get at least a few quotes and compare the “rules” just as closely as the price. If you want general strategies to lower your premium without wrecking your coverage, see our guide on ways to save on auto insurance.

Grundy Reviews and Ratings

Like most insurers and insurance agencies, Grundy reviews are mixed—especially because many customers only post reviews after a frustrating experience. Still, third-party sites can give you a sense of the most common themes.

• Trustpilot: Grundy has a 4.2/5 TrustScore based on 1,468 reviews at the time of writing. You can see the latest reviews on Trustpilot.
• WalletHub: Grundy shows a 4/5 rating based on 482 reviews at the time of writing. You can see the current rating on WalletHub.

Common positive themes include straightforward agreed value coverage, good pricing for qualifying collector cars, and an easy quoting process for some applicants.

Common negative themes include strict underwriting requirements (especially around storage and usage), paperwork back-and-forth, and frustration when a policy is declined, changed, or non-renewed based on eligibility rules.

Financial Strength and Underwriting

Grundy is an insurance agency and program administrator, and policies are underwritten by insurance carriers. Grundy states its programs are underwritten by A++, A+, and A rated carriers (AM Best ratings). You can review that statement on Grundy’s Privacy Policy page.

If financial strength is important to you (it should be), look at the underwriting company listed on your declarations page and verify its current rating directly through AM Best’s rating center: ratings.ambest.com.

How to File a Claim With Grundy

Because claims are typically handled by the underwriting carrier, Grundy directs customers to file claims through their underwriter. Grundy maintains a “Make a Claim” page with instructions and contact options based on your policy/program.

Start here: Grundy Make a Claim. If you’re not sure who your underwriter is, check your declarations page or call Grundy for help finding the right claim reporting channel.

Grundy Contact Information

Alternatives to Compare

If you don’t qualify for Grundy (or the usage rules don’t match your lifestyle), compare a few other collector-focused insurers before deciding. Here’s a list of collector car insurance companies worth considering when shopping around.

FAQs on Grundy Auto Insurance

Final Word on Grundy Auto Insurance

Grundy is a recognizable name in collector cars for a reason: agreed value coverage can be a big advantage for vehicles that are appreciating, modified, or simply hard to value with standard pricing tools. If you can meet the storage and usage rules, Grundy’s Collector Vehicle Program can be an affordable way to protect a prized car.

Just make sure you understand the eligibility requirements, confirm which carrier is underwriting your policy, and compare a couple of quotes so you know you’re getting the best match—not just the lowest price.