Hagerty Insurance Review 2022 

The Best Option for Collector Car Insurance? | ⭐️⭐️⭐️⭐️ 

TLTR: This review article will help you choose the carrier by analyzing and comparing different factors that might affect your decision-making process in selecting a policy. 

Is Hagerty Insurance a Good Choice? Our Thoughts

Hagerty offers classic, collector, exotic, and antique automobile insurance in all 50 states. A replacement value guarantee applies to all eligible vehicles under the company’s highly personalized auto insurance, which is available across the country.   

In addition, Hagerty’s affordable prices and flexible use make it an excellent alternative to traditional auto insurance. And with its in-house component expertise, there are no mileage restrictions.  

When it comes to classic car insurance, Hagerty presents a worthwhile option to consider. A majority of clients have praised Hagerty’s customer service, although some found it difficult to communicate with the company during the claims process. But overall, their reviews are largely favorable and they offer insurance to fit every budget!  

In this blog

About Hagerty

Hagerty Insurance is an American automotive lifestyle brand that offers membership and insurance services to classic car lovers around the world. It was founded in Michigan but now operates internationally with four offices in Canada, Germany, and the U.K. With over two million memberships sold since its inception, HAGERTY knows how important it is to protect your investment.  

Hagerty originally focused on insurance for antique boats, but they eventually expanded and now offer coverage across motorized sports. In 1991, the company added classic car coverage to its extensive product lineup.  

 In 2008, Hagerty published its first annual price guide. The resourceful publication not only informed customers on how they should go about purchasing a classic car but also started an interactive website that provides more information and even live chats with experts.  

Hagerty Valuation Tools is the ultimate resource for pricing and researching historic cars. You can gain unlimited access to all of their data, including 40k enthusiast models from the post-war era up through the modern day. They also have a database containing 400k sales! 

Source: Hagerty Insurance

Hagerty Insurance – Pros and Cons




  • Technology for getting access to a customer portal and obtaining an accurate valuation. 
  • Positive feedback on customer service. 
  • Excellent choice for high-risk drivers. 
  • No mileage limitations for occasional pleasure driving. 
  • Extensive knowledge of classic cars. 


  • Not many discounts. 
  • Depending on the state, the level of customer service may differ.
  • There are severe restrictions on how coverage can be used. 
Hagerty Insurance Review

Image: Hagerty Insurance 

Hagerty Insurance Products

Hagerty has been protecting America’s iconic vehicles for over 80 years. They cover all types of cars, trucks and motorcycles as well as tractors and boats. 

Some products offered by Hagerty Insurance include: 

  • Collector and Classic Cars
  • 1980 and Newer Collector Vehicles 
  • Collector Trucks and SUVs 
  • Motorcycles and Scooters 
  • Boats 
  • Motorsports Vehicles 
  • Modified Cars
  • Classic and Antique Tractors 
  • Collector Military Vehicles 
  • International Vehicle Transport 
  • Business Insurance 
  • High-value Vehicle Collection 
  • Retired Commercial Vehicles 
  • Vintage Camper Trailer   

Hagerty’s Classic Car Insurance

Hagerty is a household name for classic car insurance. And insurance is important for those who own these collectible vehicles. Since vintage car owners rarely use their vehicles for daily activities such as commuting to work and school, their insurance needs are different from those of standard car owners.  

And if you do occasionally drive around town in your antique or vintage car, you’ll want to protect its worth with comprehensive, collision, and other specialized coverage options in addition to liability insurance.  

 Hagerty classic car policies include: 

Collision Coverage 

Collision coverage is a great way to protect yourself from financial loss if your car has been damaged in an accident. It will help pay for repairs or replacements on any vehicles that were involved and also help with medical expenses, which can be extremely expensive. 

Comprehensive Coverage 

Comprehensive coverage helps pay for the cost to replace or repair your vehicle in case it’s been stolen or damaged. This can include fire, vandalism, and falling objects (like tree branches). 

Property Damage Coverage 

Property damage liability coverage is a legal requirement in most states. It can help cover the cost of repairs if you’re at fault for an accident that damages another vehicle or property such as fences and buildings, but it doesn’t apply to your own car. 

Bodily Injury Liability Coverage 

If you’re involved in a car accident and someone else is hurt, liability coverage will help cover their medical expenses. If they need legal representation then that’s covered as well! 

Specialized Coverages  

Instant New Purchase Coverage 

This is the perfect insurance policy for a collectible car. The company offers up to 30 days of coverage at $50/day with no limits on what they will pay out should you make an approved claim. 

Spare Parts Coverage 

The best way to be prepared for any emergency is with comprehensive insurance. Comprehensive coverage includes $750 for your insured vehicle’s spare parts. 

Auto Show Medical Reimbursement 

If you or your family members are injured during an auto show, there is up to $10k in medical payments available. 

Motorcycle Safety Equipment Coverage 

You can keep yourself safe while working on your bike with up to $1,000 worth of coverage for safety gear, such as leather leggings and gloves.  

Hagerty Classic Auto Insurance is an excellent option for drivers with a history of accidents or tickets. Hagerty’s classic insurance may not cover your vehicle if you’ve been convicted of alcohol-related offenses or dangerous driving in addition to speeding infractions. This company doesn’t cover off-road vehicles such as dirt bikes with nitrous components, or camping vehicles. 


Connect With The Best Insurance Agents Near You

Contact a local agent online to help you with your insurance needs.

Hagerty Insurance Reviews

Customer Reviews 



Hagerty Insurance has been a great company to work with. I know several people who have had coverage through them and their experiences give me confidence that they will take care of your needs! They offer classic or antique vehicle insurance too if you’re looking for an extra layer on top of regular car policies.”  ⭐️⭐️⭐️⭐️⭐️ 
When I hit my car while on vacation in Florida, the body shop said it was typical for Hagerty. They replaced the driver’s door and repaired adjacent panels. By the time I got home from vacation a week later everything had been approved (including the first check waiting) no questions or hassle other than explaining what happened to the insurance company.”  ⭐️⭐️⭐️⭐️⭐️ 
Thought they were the best, but it turns out that UGR mod’s are only good for 1100 HP. The company didn’t even give me a reason why… well maybe because their photos show more powerful cars in front of them with an office full of high-powered performance models.” ⭐️⭐️ 
Hagerty Insurance is the perfect company if you own a classic vehicle. They offer excellent coverage and their staff has always been very helpful when it comes to helping me out with any questions or concerns that arise




Source: Yelp, Trustpilot, Hagerty google reviews 

Third-Party Reviews


Progressive Rating


Better Business Bureau A+ Superior Low complaint volume.
A.M. Best A Financial strength

The Better Business Bureau (BBB) has given Hagerty Insurance an A+ rating, owing to its low volume of complaints and the successful settlement of three complaints against them. While Hagerty is too small for ratings by large consumer agencies such as J.D Power Associates, they still have a good reputation among many drivers, thanks in part to the fact that all five companies underwriting their policies have an ‘A’ financial strength rating with AM BEST corporation, which is one step below “Excellent.” 


The Bottom Line

If you’re looking for an exotic car insurance option, we recommend considering Hagerty. They offer low premiums and guaranteed replacement values that are hard to find elsewhere. Hagerty is often praised for their customer service as well. Hagerty also has an A+ rating from the BBB, which speaks well for the company’s business ethics and level of customer satisfaction. In conclusion, Hagerty Insurance is a solid bet when it comes to choosing which provider will best serve your needs for your exotic ride. 

Connect With The Best Insurance Agents Near You

Contact a local agent online to help you with your insurance needs.


Frequently Asked Questions

Why is Hagerty Insurance so cheap?

Hagerty offers a low-priced auto insurance policy for collectors’ cars, which are rarely on the road. The company has guaranteed replacement value and annual premiums that you can afford because of their flexible usage options to best suit your needs as an owner. 

Is Hagerty only for classic cars?

Hagerty exclusively insures antique and rare automobiles so they can provide greater coverage at a lesser cost than regular driver insurance.  

Does Hagerty check mileage?

The option of being able to drive your classic car if you like is one reason why Hagerty has such a wide range of plans. You can even drive it on weekends without worrying about running out or needing more coverage! 

Connect With The Best Insurance Agents Near You

Contact a local agent online to help you with your insurance needs.


Agency Height is an insurance directory devoted to connecting agents and potential insureds. For insurance seekers, we provide a free platform to evaluate different insurance alternatives and discover the best coverage for their requirements. Agency Height also assists agents in discovering important information and features that will enable them to make sound career decisions. 

Related Articles

The Hartford Insurance Review 2022

Detailed Overview!

The Hartford Insurance Review will give you a thorough overview of the carrier, its services, customer reviews, etc.

Chubb Insurance Reviews 2022

Why It Might Be the Best Option

A detailed list of information on Chubb Insurance to help you make the right choices regarding your coverage needs.

State Farm Insurance Reviews

Your Ideal Insurance Neighbor for 2022?

What does your ideal insurance neighbor look like? State Farm Insurance Reviews 2022 gives you a brief overview to help you decide.