Top 5 Classic Car Insurance Companies

When it comes to insuring your classic car, you want the best. Classic cars are not just vehicles; they are pieces of history, nostalgia, and sometimes even family heirlooms. Protecting them with the right insurance is paramount. In this comprehensive guide, we will explore the top 5 classic car insurance companies that can offer you the coverage and peace of mind you deserve.

Why Classic Car Insurance Matters

Before we delve into the top companies, let’s understand why classic car insurance is different and matters. Classic cars are unique and often more valuable than their modern counterparts. Traditional auto insurance may not adequately cover classic car owners’ specific needs. Classic car insurance is tailored to protect these valuable investments.

The Top 5 Classic Car Insurance Companies

Now, let’s get to the heart of the matter – the top 5 classic car insurance companies that have earned their reputation for providing exceptional coverage and service.

1. Hagerty

Hagerty is synonymous with classic car insurance. They have been in the business for decades, specializing exclusively in insuring classic and collector cars. Hagerty offers agreed-value policies, which means you and the insurer agree on the car’s value, eliminating depreciation concerns. Their policies often come with features like spare parts coverage and roadside assistance tailored to classic cars.

2. Grundy

Grundy Insurance is another classic car insurance player. They offer “mileage plans” that allow you to pay lower premiums if you drive your classic car less frequently. Many classic car owners appreciate this flexibility. They also offer agreed-value coverage and excellent customer service.

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3. American Collectors Insurance

American Collectors Insurance understands classic car enthusiasts’ unique needs. As well as vehicle coverage, they also cover collectibles and automobiles. Their policies are customizable, allowing you to tailor your coverage to your specific requirements. Their dedication to classic cars shines through their specialized policies.

4. Classic Car Insurance by State Farm

State Farm is a well-known insurance giant, and they offer a specialized classic car insurance program. Their policies protect classic cars, and they offer competitive rates. With a vast network of agents across the country, they are able to deliver their services.

5. Chubb Collector Car Insurance

Chubb is a high-end insurer, and they bring that same level of service to their collector car insurance division. They offer agreed-value policies and are known for quick claims processing. While they may come with a higher price tag, their service and coverage options make them a top choice for classic car owners.

Choosing the Right Classic Car Insurance

Now that we’ve introduced you to the top 5 classic car insurance companies, how do you choose the right one for your prized possession? Here are some factors to consider:

1. Agreed-Value Coverage

Ensure that the insurer offers agreed-value coverage so you and the insurer agree on the car’s value. This eliminates the risk of depreciation.

2. Coverage Options

Consider what additional coverage options are available. Some policies include coverage for spare parts, automobilia, and even restoration.

3. Customer Service

Read reviews and get a sense of the insurer’s customer service quality. Quick and efficient claims processing is crucial.

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4. Premiums and Deductibles

Compare premiums and deductibles across different insurers. Find a balance between coverage and cost that suits your budget.

5. Specialized Knowledge

Choose an insurer that specializes in classic cars. They understand the unique needs and challenges of insuring these vehicles.


In conclusion, insuring your classic car is not a decision to be taken lightly. The right insurance can make all the difference in protecting your beloved piece of automotive history. The top 5 classic car insurance companies mentioned above have proven track records in providing exceptional coverage and service to classic car enthusiasts. Take your time to compare quotes, consider your specific needs, and make an informed choice to ensure your classic car is safeguarded for generations to come.

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