Classic & Collector Car Insurance (Hagerty Agency)

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Quick Answer: Classic car insurance covers your collector vehicle on an agreed-value basis: you and the insurer agree on the car’s value up front, so after a total loss you are paid that full amount with no depreciation. It usually costs much less than a standard auto policy because classics are driven limited miles and carefully stored. Pro Insurance Group is a Hagerty agency specializing in collector vehicles.

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We Are a Hagerty Agency

We represent Hagerty, the world’s leading classic and collector car insurer, along with other specialty carriers. That means agreed-value coverage built for collectors, access to a vast valuation and enthusiast network, and pricing that reflects how little your classic is actually driven. Whether you own a muscle car, a restored truck, an antique, or an exotic, we place it with the carrier that understands it.

What Classic Car Insurance Covers

Agreed Value

You and the insurer set the car’s value up front, and that full amount is paid after a covered total loss, with no depreciation.

Liability & Physical Damage

Standard liability plus collision and comprehensive, tuned for a collector vehicle.

Flexible, Low Mileage

Coverage built for limited pleasure use, which keeps your premium low.

Spare Parts & Tools

Protection for the hard-to-find parts and tools that go with the hobby.

Restoration Coverage

Rising-value protection while a project car is being restored.

Roadside for Collectibles

Flatbed towing and roadside help designed for classics, not a standard wrecker.

What Classic Car Insurance Costs

Here is the part collectors love: classic car insurance is usually far cheaper than a standard auto policy, often a few hundred dollars a year, because the car is driven limited miles, stored properly, and rarely used as a daily driver. Your premium depends on the agreed value, your driving record, where the car is stored, and how you use it. A producer confirms your exact number, and it is almost always a pleasant surprise compared to standard auto insurance.

What Qualifies as a Classic or Collector Car?

Typically a vehicle 19 to 25+ years old, or a newer modern classic or exotic
Used for pleasure and shows, not as a daily driver, with limited annual mileage
Stored in a garage or enclosed structure
The owner usually keeps a regular-use vehicle for everyday driving

Not sure if your car qualifies? We will tell you, and pair it with an umbrella policy if you want extra liability protection.

What Our Clients Say

Classic Car Insurance FAQ

What is agreed value coverage?

Agreed value means you and the insurer agree on your car’s value when the policy is written. After a covered total loss you are paid that full amount, with no depreciation, unlike standard auto that pays actual cash value.

Is classic car insurance cheaper than regular auto insurance?

Usually, yes, often much cheaper, because collector cars are driven limited miles and stored carefully. Many enthusiasts pay a few hundred dollars a year for agreed-value coverage.

What qualifies as a classic car?

Generally a vehicle around 19 to 25+ years old (or a modern classic or exotic) used for pleasure rather than daily driving, stored properly, with the owner keeping a separate everyday vehicle.

Can I drive my classic car every day?

No. Classic policies are built for limited pleasure use, not daily commuting. If you need to drive it daily, a standard auto policy is the right fit, and we can write that too.

Does classic car insurance cover restoration?

Yes. Many policies offer rising-value or restoration coverage that increases the agreed value as your project car is restored, so you are not underinsured during the build.

Protect Your Classic for Less

As a Hagerty agency, we get agreed-value coverage that protects what your collector car is really worth. No agency fees, ever.

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Reviewed by Dave Rysavy, Personal Lines Advisor

Dave helps Illinois collectors insure their classic and collector cars with agreed-value coverage through Hagerty and other specialists.

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