Is Hagerty Good for Auto Insurance?

Last Updated on January 7, 2026

Hagerty is best known for classic and collector car insurance—coverage built for vehicles that are stored securely and driven for pleasure, shows, and events (not daily commuting). If you want an agreed/guaranteed value policy and insurer support that understands collector vehicles, Hagerty is often a strong fit.

Hagerty insures classic cars and collectible vehicles across the United States, offering specialized policies for owners with unique needs.

Below is a practical, up-to-date look at how Hagerty works, what it covers, who typically qualifies, and what to consider before you request a quote.

About Hagerty

Hagerty specializes in insurance for classic, antique, and modern collector vehicles. The company is headquartered in Traverse City, Michigan, and also operates in other markets outside the U.S. through separate programs and partnerships.

While Hagerty is best known for collector vehicle coverage, it also offers other specialty insurance products and membership programs for enthusiasts.

Collector vehicle policies can sometimes cost less than a standard daily-driver policy because these vehicles are typically driven less and stored more carefully. The best way to keep pricing realistic is to insure the car for an accurate agreed value and avoid coverage gaps—many of the general strategies in these money-saving tips still apply.

How Hagerty Car Insurance Works

Hagerty policies include the same core building blocks as other auto insurance—liability, collision, and comprehensive—plus collector-focused options designed for restoration-quality repairs and agreed/guaranteed value payouts.

Common coverages available through Hagerty include:

Hagerty also discloses that U.S. policies may be underwritten by partner carriers. If you want to confirm the exact underwriter for your state, check Hagerty’s disclosures and your quote paperwork.

If you plan to tour internationally, confirm how your coverage applies outside the U.S. This can be especially important for cross-border travel—see driving to Canada and insurance for a baseline checklist.

What Makes Hagerty Unique?

Collector vehicles are insured differently than daily drivers because the value and repair expectations are different. Many standard auto policies settle claims based on actual cash value (depreciated value). Collector policies are often designed around an agreed value approach.

Hagerty’s signature approach is “Guaranteed Value” (commonly described as agreed value). That means you and the insurer establish the vehicle’s insured value up front, and that agreed amount is used as the basis for a covered total loss settlement.

If you’re comparing valuation methods, this guide explains agreed value vs. stated value policies and why the difference matters when the car is rare, restored, or appreciating.

Because of how these policies are priced, Hagerty generally avoids insuring drivers it considers high-risk or vehicles that are used like regular commuters. That’s not unique to Hagerty—many specialty insurers apply similar underwriting standards.

What Types of Vehicles Does Hagerty Insure?

Hagerty is built for enthusiast-owned vehicles that have collector value and are used on a limited basis. Examples commonly considered include:

• Antique, classic, and collectible vehicles
• Classic trucks and utility vehicles (subject to usage limits)
• Modified vehicles (when modifications are disclosed and acceptable to underwriting)
• Collector trailers and collectible haulers (varies by program)
• Collectible or vintage motorcycles and scooters (program rules vary)
• Specialty categories like classic military vehicles (case-by-case)

If you want to compare alternatives, this roundup of collector car insurance companies can help you understand how eligibility rules and policy features differ across providers.

What Types of Vehicles Does Hagerty Not Insure?

Hagerty is not designed for vehicles used like everyday transportation. Most collector policies are priced around limited use, secure storage, and drivers who maintain separate daily-use vehicles and insurance.

Vehicles that often don’t qualify include:

• Daily-use commuter vehicles
• Commercial-use or business-use vehicles
• Camping, off-road, or utility-type vehicles that function primarily as recreational or work equipment
• Vehicles with certain extreme performance modifications (including some nitrous setups)

Who Is Eligible for Hagerty Car Insurance?

Hagerty’s eligibility rules are stricter than most standard auto insurers because the program is designed for hobby and collector use. Approval depends on your driving record, how you plan to use the vehicle, where it’s stored, and what daily-use vehicles your household already maintains.

Drivers who may have trouble qualifying include those with serious violations or alcohol-related offenses. For context on common underwriting red flags, see how speeding tickets, reckless driving, and other moving violations can affect eligibility and pricing—and how long a DUI can stay on your record.

Other Hagerty Classic Car Insurance Restrictions

Collector policies are typically written for hobby use. Most commonly, that means club functions, exhibitions, tours, organized events, and occasional pleasure driving—not running daily errands or commuting.

Storage also matters. Collector programs generally expect a private, enclosed, and secure storage location (like a locked garage or similar structure). Daily commuting can also change how insurers rate and underwrite a vehicle—especially for long commutes (see how commutes affect auto rates).

Hagerty Reviews & Ratings

Hagerty is a well-known name in the collector space, but ratings depend on what you’re measuring: financial strength, service experience, and claims outcomes can vary by state and situation.

For third-party context, the Better Business Bureau lists Hagerty Insurance Agency, Inc. with an A+ rating and shows its complaint history. You can review the profile here: BBB profile for Hagerty Insurance Agency, Inc.

For financial strength, Hagerty notes its policies may be underwritten by carriers rated A (Excellent) or better by A.M. Best (rating details can vary by underwriter and state). If you want a snapshot of how A.M. Best rates one of the key underwriters, see this press release about Essentia Insurance Company: A.M. Best rating announcement

Hagerty Car Insurance Discounts & Features

Hagerty tends to differentiate on collector-specific features more than “coupon-style” discounts. Common features include:

Also remember: collector policies are not designed to compete with daily-driver advertising claims. A daily-driver carrier like GEICO may quote very differently because the underwriting assumptions are not the same.

Hagerty Pros and Cons

Hagerty Contact Info

To learn more about Hagerty or request a quote, visit the company online at Hagerty’s insurance page or contact a representative through the official contact options on the site.

FAQs on Hagerty Auto Insurance