Hagerty Insurance Review & Ratings (2024)

Discover what real users have to say about Hagerty Insurance. Read comprehensive reviews and ratings on overall satisfaction, claims experience, cost, billing, and service. Compare rates from multiple insurance providers and find the coverage that suits your needs. By entering your ZIP code, you can access a personalized comparison of insurance quotes and make an informed decision.

UPDATED: Nov 27, 2023Fact Checked

Scott W. Johnson

Licensed Insurance Agent

Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...

Licensed Insurance Agent

Jeff Root

Licensed Insurance Agent

Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...

Licensed Insurance Agent

UPDATED: Nov 27, 2023

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Nov 27, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Nov 27, 2023Fact Checked
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Hagerty Insurance

Average monthly rate for good drivers:

$100

A.M. Best rating:

A (Excellent)

Complaint level:

Low

Pros

  • Specialized coverage for classic cars
  • Competitive rates for auto insurance
  • Comprehensive home insurance options
  • Valuables insurance for unique possessions
  • Strong customer reviews and satisfaction

Cons

  • Limited coverage options for standard auto insurance
  • May not be the most cost-effective option for everyday vehicles
  • Home insurance premiums can be influenced by various factors
  • Some policy restrictions may apply to classic car coverage
  • Limited availability in certain regions

Final Verdict: Review of Hagerty Insurance

Hagerty Insurance is a well-known insurance company that specializes in coverage for classic and collector cars. The company has a long history of providing high-quality insurance products and services to customers in all 50 U.S. states, as well as in Canada and the UK.

Hagerty offers a range of insurance options at different price points, and customers can often save money by taking advantage of the company’s discounts and cost-saving measures. Overall, Hagerty Insurance is a great choice for classic car owners and collectors who want specialized coverage and exceptional customer service.

What You Should Know About Hagerty

Address: 141 River’s Edge Drive Suite 200
City: Traverse City
State: MI
ZIP Code: 49684
Phone Number: (877) 922-9701
Fax: (231) 941-8227

Website: hagerty.com

Welcome to our comprehensive guide on Hagerty Insurance and everything you need to know about insuring your classic or collector vehicle. In this article, we will delve into the history and mission of Hagerty Insurance, their range of specialized coverage options, discounts offered, customer reviews, and more.

We understand that finding the right insurance provider is crucial, so we invite you to enter your ZIP code below and compare rates from the best insurance providers in your area.

  • Hagerty is the world’s largest provider of specialty insurance for classic vehicles.
  • The company offers unique services, such as an online Valuation Tool that helps classic car owners determine the current value of their vehicles.
  • Hagerty is committed to supporting car enthusiasts through various initiatives, such as their Youth Programs that aim to inspire the next generation of classic car enthusiasts.

Don’t miss out on the opportunity to secure the perfect coverage for your cherished vehicle. Enter your ZIP code now and make an informed decision that will protect your investment for years to come.

History and Mission of Hagerty Insurance

Hagerty insurance was founded in 1984 by Frank and Louise Hagerty, who were classic car enthusiasts themselves. The couple realized that there was a gap in the insurance market when it came to classic and collector cars. Traditional insurance companies did not offer coverage that took into account the unique needs of these types of vehicles.

Frank and Louise set out to change that by creating an insurance company that specialized in providing comprehensive coverage for classic and collector vehicles.

Since then, Hagerty insurance has grown to become the world’s largest provider of specialty insurance for classic vehicles. The company is headquartered in Traverse City, Michigan, and has over 1,300 employees in offices located throughout the United States, Canada, and the United Kingdom.

Hagerty insurance’s mission is to “keep driving alive for car enthusiasts everywhere.” The company is committed to preserving and promoting the passion for classic and collector cars by providing specialized insurance coverage, supporting the car community through various initiatives, and preserving automotive history.

One way that Hagerty insurance supports the car community is through its Youth Programs. These programs aim to inspire the next generation of classic car enthusiasts by providing educational resources, hands-on experiences, and opportunities to connect with like-minded individuals. The company also supports various charitable organizations that work to preserve and promote the automotive heritage.

Hagerty insurance’s commitment to providing specialized coverage for classic and collector cars and supporting the car community has made it a well-respected and reliable choice for car enthusiasts.

Hagerty Insurance Coverage Options

Hagerty insurance offers a range of specialized insurance policies for classic and collector vehicles. Their policies are designed to cater to the unique needs of classic and collector car owners, who have different requirements and concerns compared to the owners of everyday cars. Some of the products and services offered by Hagerty insurance include:

  • Guaranteed value coverage: Hagerty’s Guaranteed Value Coverage is designed to provide agreed-upon value coverage for classic and collector cars. This means that in the event of a covered total loss, Hagerty will pay out the full agreed-upon value of the vehicle with no depreciation.
  • Liability coverage: Hagerty offers liability coverage for car events and car club activities. This coverage can protect the car owner in case of any accidents or damage caused by the vehicle during a car event or club activity. This policy can provide financial protection in case of lawsuits, settlements, or legal fees that may arise from such incidents.
  • Spare parts coverage: Hagerty offers coverage for damage or theft of spare parts. This coverage can be particularly important for classic car owners who may need to source rare or hard-to-find parts to keep their vehicles in good working order. Spare parts coverage can provide financial protection in case of damage or theft of these important components.
  • Trip interruption coverage: This coverage is designed to cover expenses incurred when a vehicle is disabled while on a road trip. It can include expenses such as lodging, transportation, and food and can help car owners get back on the road as quickly as possible.
  • Coverage for classic boats and motorcycles: In addition to coverage for classic and collector cars, Hagerty also offers specialized insurance policies for classic boats and motorcycles. These policies are designed to cater to the unique needs of boat and motorcycle owners and can provide comprehensive coverage for these valuable assets.

The cost of Hagerty insurance policies varies depending on a variety of factors, including the type of vehicle, the coverage needed, and the location.

In what states is Hagerty Insurance offered?

Hagerty insurance is offered in all 50 states in the United States, as well as in Canada and the United Kingdom. This means that customers in all parts of the U.S. can purchase Hagerty insurance policies for their classic and collector vehicles.

Additionally, Hagerty has a global network of agents and partners that can help customers find the right insurance policy for their unique needs. Hagerty’s broad coverage area and extensive network of agents make them a popular choice for classic car owners and collectors.

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Hagerty Insurance Rates Breakdown

The cost of Hagerty insurance depends on a variety of factors, including the type of vehicle being insured, the level of coverage selected, the driver’s age and driving history, and other factors. Because classic and collector vehicles often require specialized coverage, the cost of insurance can sometimes be higher than for a standard car insurance policy.

That being said, Hagerty offers a variety of insurance options at different price points to meet the needs of different customers. Generally speaking, Hagerty insurance is competitively priced in the classic car insurance market, and customers can often save money by taking advantage of the company’s discounts and other cost-saving measures.

To get a better idea of how much Hagerty insurance might cost for your specific vehicle and situation, it’s best to contact the company directly or use their online quote tool. By providing some basic information about your vehicle and your driving history, you can get a personalized quote that reflects your unique needs and circumstances.

Hagerty Discounts Available

Hagerty insurance offers a range of discounts to help customers save money on their insurance policies. These discounts are designed to reward safe driving, responsible ownership, and loyalty to the company. Here are some of the discounts that are available:

  • Multi-vehicle discount: Hagerty offers a discount for customers who insure multiple vehicles on the same policy. This discount can provide significant savings for customers who own multiple classic or collector cars.
  • Safe driver discount: Hagerty rewards safe driving with a discount for customers who have a good driving record. Customers who have a clean driving history and no recent accidents or traffic violations may be eligible for this discount.
  • Storage discount: If a classic car is kept in a secure storage facility, Hagerty offers a discount on the insurance policy. This discount recognizes the fact that vehicles kept in storage are less likely to be damaged or stolen.
  • Club membership discount: Hagerty offers discounts to customers who are members of classic car clubs or organizations. This discount recognizes the fact that many classic car owners are passionate about their vehicles and participate in car clubs and events.
  • Loyalty discount: Hagerty rewards loyal customers with a discount on their insurance policies. This discount is available to customers who have been insured with Hagerty for a certain period of time.

It’s important to note that not all discounts are available in all states, and the amount of the discount may vary depending on the location and other factors. To find out more about the discounts that are available in your area, it’s best to contact Hagerty directly.

Navigating Hagerty Insurance Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Hagerty Insurance offers a convenient and user-friendly claims process for its customers. Policyholders have the option to file a claim online through the company’s website, over the phone by contacting their dedicated claims team, or even through mobile apps for added convenience.

This multi-channel approach ensures that customers can choose the method that suits them best, making the claims process more accessible and efficient.

Average Claim Processing Time

The speed at which an insurance company processes claims is crucial to providing excellent service to its customers. While specific processing times may vary depending on the complexity of the claim, Hagerty Insurance is known for its efficient claim processing. On average, customers can expect their claims to be handled promptly, reducing the stress associated with vehicle damage or loss.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable indicator of an insurance company’s performance. Hagerty Insurance has received positive reviews from customers regarding its claim resolutions and payouts.

Many policyholders have reported satisfaction with the way Hagerty handles claims, praising the company’s fairness and professionalism. This positive feedback underscores the insurer’s commitment to providing reliable support during the claims process.

Unveiling Hagerty Insurance Digital and Technological Advancements

Mobile App Features and Functionality

Hagerty Insurance offers a feature-rich mobile app designed to enhance the customer experience. The app allows policyholders to manage their policies, access important documents, and even file claims directly from their smartphones. With user-friendly navigation and real-time updates, the mobile app empowers customers with convenient, on-the-go access to their insurance information.

Online Account Management Capabilities

For those who prefer managing their policies online, Hagerty’s online account management portal is a valuable resource. Customers can log in to their accounts to review policy details, make payments, and update their information. This online platform simplifies policy management, giving users full control over their insurance policies.

Digital Tools and Resources

Hagerty Insurance provides an array of digital tools and resources to assist its customers. These resources include educational materials, guides on classic car care and maintenance, and even valuation tools to help policyholders understand the worth of their collector vehicles.

These digital resources demonstrate Hagerty’s commitment to supporting its customers beyond insurance coverage, making it a comprehensive partner for classic car enthusiasts.

How Hagerty Ranks Among Providers

Hagerty Insurance, with its specialization in providing coverage for classic and collector vehicles, faces competition from several companies in the insurance market. These competitors offer similar services, catering to the unique needs of car enthusiasts and owners of vintage and collector cars.

  • American Collectors Insurance: American Collectors Insurance is a direct competitor to Hagerty, specializing in classic and collector car insurance. They offer agreed value coverage, flexible usage options, and a range of discounts tailored to classic car owners.
  • Grundy Worldwide: Grundy Worldwide is another prominent player in the classic car insurance market. They provide agreed value coverage, unlimited mileage options, and coverage for spare parts. Grundy is known for its straightforward approach to insuring collector cars.
  • Classic Car Insurance from Nationwide: Nationwide offers classic car insurance with features such as agreed value coverage, flexible usage, and coverage for restoration and spare parts. Their nationwide presence makes them a competitor to Hagerty.
  • Chubb Collector Car Insurance: Chubb specializes in high-value insurance, including collector car coverage. They offer agreed value coverage, a variety of deductible options, and access to a network of specialists for appraisals and repairs.
  • Condon Skelly: Condon Skelly is a classic car insurance provider offering customizable coverage options, agreed value coverage, and additional features such as coverage for automobilia and automotive tools.

Choosing the right insurance for your classic or collector car is a significant decision. While Hagerty Insurance is a leading provider in this niche, exploring alternatives like American Collectors Insurance, Grundy Worldwide, Nationwide, Chubb Collector Car Insurance, and Condon Skelly allows you to make an informed decision tailored to your specific needs and preferences.

Remember to compare quotes, coverage options, and customer reviews to ensure your prized possession gets the protection it deserves.

What are customers saying about Hagerty Insurance?

Hagerty insurance has an excellent reputation among classic car enthusiasts and has received high marks from customers for its customer service, claims handling, and competitive rates. Customers have reported that the company’s strengths include its knowledgeable and friendly staff, easy claims process, and customized coverage options.

However, some customers have reported that the cost of the policies can be higher than other insurance providers. Overall, Hagerty insurance is a highly recommended choice for those looking for specialized coverage for their classic and collector vehicles.

Frequently Asked Questions

What is Hagerty Insurance?

Hagerty Insurance is a specialized car insurance company that offers coverage for classic and collector vehicles.

When was Hagerty Insurance founded?

Hagerty Insurance was founded in 1984.

Who founded Hagerty Insurance?

Hagerty Insurance was founded by Frank and Louise Hagerty, who were classic car enthusiasts.

What types of insurance does Hagerty Insurance offer?

Hagerty Insurance offers specialized insurance policies for classic and collector vehicles, ranging from liability coverage to comprehensive coverage that includes spare parts, trip interruption, and more.

What factors affect the cost of Hagerty Insurance policies?

What factors affect the cost of Hagerty Insurance policies?

How can I get a quote from Hagerty Insurance?

You can get a quote from Hagerty Insurance by visiting their website and entering your information, or by contacting one of their agents.

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Scott W. Johnson

Licensed Insurance Agent

Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...

Licensed Insurance Agent

Jeff Root

Licensed Insurance Agent

Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Reviews
for Hagerty

3.91 (16 reviews)
1
January 3, 2022

Awetz

BE AWARE

On october 23,2021 i had a vehicle stolen that i had insured through hagerty since then they have refused to pay out claim after requesting a Substantial ammount of information from me as i provided more then enough info they have recorded me 2 times made me tell them about all my finacials and went around to all my neighbors and gave out personal information to them and made me look like a bad guy also asking me information about when i purchase...
On october 23,2021 i had a vehicle stolen that i had insured through hagerty since then they have refused to pay out claim after requesting a Substantial ammount of information from me as i provided more then enough info they have recorded me 2 times made me tell them about all my finacials and went around to all my neighbors and gave out personal information to them and made me look like a bad guy also asking me information about when i purchased the vehical and who i bought it from which is totally Irrelevant to the Situation and now are requesting phone records which is bizzare being that if they didnt belive me from the start what is a phone number going to tell them,I am a business owner my self and would never ever treat my customers like this ,it wasnt like i had a choice to have insurance and seems like hagerty is the only ones that handle classic car insurance and at the end of the day i paid them to protect my vehical and they have treated me like a criminal and i do not think this is fair no matter what the situation is at the end of the day my car was stolen and i paid them to protect it its not like i had control of my car getting took i mean obviously if i could have controlled it it would have never happend . I think it is Fraudulent to have a customer pay for protection and when it comes down to paying they dont have any intention of paying and are requesting Substantial ammounts of information they have also badgerd people about it that have no control over what happend to the point where they are offended which no one should ever have to feel that way
5
April 20, 2020

mkc211

Couldn’t be easier and saved big.

Was very easy to insure a classic VW lethally less than 15 minutes and saved hundreds of dollars. Filled out online form in seven minutes, got on the phone with [REDACTED NAME] that took another 5 minutes. Saved from a Commerce Insurance now MapFre policy that was way overcharging me.
5
January 31, 2020

jjdigby

The best ever

Awesome saved me a lot of money. I would Highly recommend hagerty insurance to anyone with a classic car
5
August 18, 2019

draftybarn

Great insurance for my classic car

Excellent service, great pricing, attention to detail and roadside service. The best choice for classic cars.
5
March 29, 2019

Brandon111

Best classic car insurance company

The company is very reasonable and has very good customer service. Never had any kind of issue. Again best insurance company ever
5
March 21, 2019

Yfz450chris

Say yes to their Classic car insurance coverage!

I purchased classic car insurance from this place. You do have to fill out a form for review by their team. It seems like you dont know what to expect. However they contact you by the next business day with all of your options. My insurance is very affordable and worth what I pay. Even though I drive my classic very few miles. It is by far, worth knowing my pride and weekend joy is covered! I highly highly recommend these guys. They are absolute...
I purchased classic car insurance from this place. You do have to fill out a form for review by their team. It seems like you dont know what to expect. However they contact you by the next business day with all of your options. My insurance is very affordable and worth what I pay. Even though I drive my classic very few miles. It is by far, worth knowing my pride and weekend joy is covered! I highly highly recommend these guys. They are absolutely professional and get the job done by far!
1
March 2, 2019

Richiecuz

Outrageous renewal quote

My premium went from $492 with a $0 deductible $13,000 worth of coverage to after 4 calls $705 with a $1500 deductible $15,000 worth of coverage all because I was honest and told them I purchased 22" wheels for my Impala SS. Could have lied and said nope still has the stock wheels since they sit right along side my vehicle in my Locked garage inside my Gated community. I even explained I don't care to cover the wheels I want my Impala covered. I ...
My premium went from $492 with a $0 deductible $13,000 worth of coverage to after 4 calls $705 with a $1500 deductible $15,000 worth of coverage all because I was honest and told them I purchased 22" wheels for my Impala SS. Could have lied and said nope still has the stock wheels since they sit right along side my vehicle in my Locked garage inside my Gated community. I even explained I don't care to cover the wheels I want my Impala covered. I was advised thats not a choice for me now and because I was honest I show intent to want bigger wheels so there was nothing I could do. Outrageousness is the best word I can use. People check out American Modern, American Collectors, Gundy, Safeco or JC Taylor. Hagerty is not the only company out there. Don't let them bully you into higher insurance. Thanks for reading.
4
August 23, 2018

Angie2018

Great classic car insurance

One of the few insurance companies that will actually insure my DeLorean. They're a pretty good insurance company.
5
August 23, 2018

buj999

Good company

I've had nothing but great service with Hagerty. The agent was polite and very helpful. She explained everything precisely and completely. My past experience with them has been excellent, also.
5
May 25, 2018

Redbaron2

Classic and collector vehicle insurance for the regular guy.

This is a great insurance company for classic and collector vehicles! They have very reasonable rates.
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