Classic & Collector Car Insurance agreed value for your pride and joy.
Standard auto insurance pays depreciated value — a deal-breaker for a car you've restored or invested in. Collector-car insurance pays an agreed value you set up front, with coverage built for limited-use vehicles, often at a lower premium than a daily driver.
Get My Collector Quote See Coverage
You and the insurer agree on the value before you ever file a claim.
Tell us about the vehicle and how you use it for a price.
- ✔ Agreed-value protection
- ✔ Coverage for classics & exotics
- ✔ Low-mileage / limited-use rates
- ✔ Spare parts & restoration options
What collector-car insurance covers
Agreed Value
A value you and the insurer set up front — paid in full on a covered total loss, no depreciation fight.
Liability
Injuries and property damage you cause while driving your collector vehicle.
Comprehensive & Collision
Damage from accidents, theft, fire, and weather, valued for a collector car.
Spare Parts
Coverage for the parts and accessories you keep for restoration and upkeep.
Specialty Roadside
Flatbed towing and assistance suited to a classic, not a standard wrecker.
Inflation / Restoration
Options to grow your agreed value as the car appreciates or you restore it.
What we cover
Collector vehicles
What our customers say
Real 5-star reviews from our customers on Google. Read more on Google
Laura was a pleasure to work with. She made the impossible happen when others turned me down! Definitely a 5-star performance!
10/10 — Laura was wonderful getting me the cheapest insurance possible. Patient, friendly, all of the above. Great customer service. Definitely recommending!
Laura has the best customer service ever. She really cares about who she is helping, very patient, and will get you the best deal!
Logan is so amazing — very knowledgeable and patient. It's always a pleasure to do business with him. Look forward to continuing business with you!
Chase Stewart was a great help getting me set up with a very affordable, full-coverage policy on my new truck.
Great customer service, great rate. They even helped me cancel my other insurance. Thank you!
Got something special in the garage?
Get an agreed-value quote that protects it properly.
Get My Collector QuoteClassic car insurance FAQs
What is agreed value?
You and the insurer agree on the car's value when the policy is written. On a covered total loss, that's what you're paid — no haggling over depreciated book value.
Why is it often cheaper than regular auto?
Collector cars are typically driven far fewer miles and stored carefully, so insurers offer lower limited-use rates.
Are there mileage or use limits?
Most collector policies assume limited, pleasure use rather than daily commuting. We'll match you to a program that fits how you actually drive it.
What qualifies as a classic or collector car?
It varies by program — age, rarity, and condition all factor in. Antiques, modern exotics, hot rods, and restorations can all qualify.