Finance & accounting · Ranked by price to features
9 Best Classic Car Insurance of 2026
By the Rankozo research desk · Updated November 10, 2026 · Next review December 25, 2026
Hagerty is the best company for classic car insurance in 2026, because its Guaranteed Value policy pays the full agreed value after a covered total loss, includes $750 of spare parts cover and is sold in all 50 states; American Collectors suits budget-minded owners and Grundy suits owners who want no mileage limits. No insurer here publishes a fixed premium, but American Collectors says antique car insurance in North Carolina typically costs $200 to $800 a year.
- Tools ranked
- 9
- With free plan
- 0
- Cheapest paid plan
- See table
Comparison table
| Tool | |||||
|---|---|---|---|---|---|
| Hagerty | 01 | 9.1 | 8.8 | Customper car per year, quoted individually | No |
| American Collectors Insurance | 02 | 8.8 | 9.0 | Customper car per year, typical range in North Carolina | No |
| Grundy | 03 | 8.7 | 8.9 | Check price | No |
| J.C. Taylor | 04 | 8.6 | 8.8 | Check price | No |
| Progressive Classic Car by Hagerty | 05 | 8.5 | 8.3 | Check price | No |
| Heacock Classic | 06 | 8.4 | 8.6 | Check price | No |
| State Farm Classic+ | 07 | 8.3 | 8.2 | Customper car per year, quoted by an agent | No |
| Allstate Classic Car (Hagerty) | 08 | 8.2 | 8.0 | Check price | No |
| Chubb | 09 | 7.9 | 7.6 | Check price | No |
Click a column to sort. Prices are the cheapest paid plan quoted from each vendor's US pricing page; "Check price" means the US price check is pending.
How this ranking works
One method for every tool. We compared documented features and published prices; we did not run hands-on tests. Value carries the most weight.
Full methodThis list is for owners of classic, antique, muscle and collector cars who want an agreed-value policy instead of a standard auto policy that pays depreciated cash value. We compared documented coverage, eligibility rules, mileage terms and buying options on each insurer's own pages in November 2026. Rankozo weights value at 40%, features at 35% and ease of use at 25%. Collector car premiums are quoted per car, based on agreed value, driving record, storage and location, so most prices are marked pending. Where an insurer publishes a related dollar figure, such as a typical premium range or the cost of an optional roadside membership, we quote it word for word. Progressive, State Farm Classic+ and Allstate's classic program are all run with Hagerty, so check which underwriter you are actually buying from.
The verdict
Hagerty is the best first quote for most collectors: its Guaranteed Value coverage pays the full insured value including taxes after a covered total loss, it adds $750 of spare parts cover and up to $10,000 of auto show medical payments, and it sells in all 50 states. American Collectors is the strongest value pick, with Agreed Value coverage, tailored mileage plans and the only published premium range in this list. Grundy and J.C. Taylor stand out for unlimited hobby mileage. Progressive, State Farm and Allstate give existing customers a familiar door into Hagerty-run policies. Heacock Classic is a good fit for multi-car collections with its single liability charge, and Chubb is the choice for collections that need OEM parts and 90 days of cover for new purchases.
- 01Top value
Hagerty
9.1/10Specialist collector vehicle insurer whose Guaranteed Value policy covers classic, antique and modern collector cars in all 50 states.
Price
Customper car per year, quoted individually
No published premium; quotes are per car. The optional Hagerty Drivers Club, which adds roadside service, costs $70 a year
“Join now for $5.84/month $70 billed annually.” Quoted from the pricing page, November 10, 2026.
- Free plan
- No
- Value (40%)
- 8.8
- Features (35%)
- 9.3
- Ease of use (25%)
- 9.2
Best forMost classic and collector car owners who want agreed-value cover, enthusiast claims staff and an online quote.
Hagerty is the specialist most collectors quote first, and its documented coverage explains why. You agree on the car's value up front, and Hagerty's Guaranteed Value pays that full amount after a covered total loss, including taxes and fees where state law allows. Every policy includes $750 of spare parts cover, 30 days of cover up to $50,000 for a newly bought collectible, and up to $10,000 of medical payments for injuries at shows and car events. Add-ons cover project cars, with Vehicle Under Construction raising the insured value 10% a quarter up to $25,000, and Cherished Salvage lets you keep a totaled car and still collect the full value. Claims staff have restoration experience, and you can choose the shop or do the work yourself. The limits are usage rules: Hagerty calls 3,500 miles a year typical, and roadside help comes through the Drivers Club at $70 a year rather than the policy itself.
- ✓Sold in all 50 states with a real-time online quote
- ✓Hagerty says it responds to online claims within 1 business day and pays most claims within 15 days
- ✓Lets you choose the repair shop or get paid to do repairs yourself
- ✕Mileage still counts toward eligibility: 3,500 miles or fewer a year is typical
- ✕Roadside service needs the separate $70 a year Drivers Club membership
- ✕Cherished Salvage is not available in New York
- Valuation:
- Guaranteed Value (agreed value)
- Typical mileage:
- 3,500 miles or fewer a year; up to 7,500 may be considered
- Spare parts cover:
- $750
- States:
- All 50
Bottom line: Hagerty is the best all-round classic car insurer, with the broadest set of collector coverages and national availability. Get its quote first, then check whether a specialist with no mileage limit beats it for how you drive.
- 02
American Collectors Insurance
8.8/10Collector vehicle insurer since 1976 offering Agreed Value policies with tailored mileage plans and included TreasureGuard benefits.
Price
Customper car per year, typical range in North Carolina
Typically $200 to $800 a year for antique car insurance in North Carolina, per American Collectors; quotes are per car
“Antique Car Insurance in North Carolina typically costs between $200 and $800 per year, which is often significantly less than standard auto.” Quoted from the pricing page, November 10, 2026.
- Free plan
- No
- Value (40%)
- 9.0
- Features (35%)
- 8.7
- Ease of use (25%)
- 8.6
Best forCollectors who want a low premium, flexible mileage plans and a quick online quote.
American Collectors Insurance has insured collector cars since 1976 and is the best value pick in this list. Its Agreed Value policy pays the full agreed amount, minus the deductible, after a covered total loss, and an inflation guard adjusts that value if the market has moved. Instead of one usage rule for everyone, it sells annual mileage plans so you pay for how much you actually drive. TreasureGuard benefits are included at no added cost: choice of repair shop, spare parts cover, full safety glass and basic towing, with C.A.R.E. plans for towing and transport. A newly bought collector car is covered automatically for up to 30 days and up to $100,000. American Collectors is also open about cost, saying antique car insurance in North Carolina typically runs $200 to $800 a year. Eligibility is strict on drivers: one everyday vehicle per licensed driver, five years of experience and a clean recent record.
- ✓The only insurer here that publishes a typical premium range
- ✓Discounts for multiple vehicles, mature drivers, garage security and cars worth $250,000 or more
- ✓Covers cars during an active restoration
- ✕Requires one regular-use vehicle for every licensed driver in the household
- ✕Asks for at least 5 years of licensed driving experience
- ✕Mileage depends on the plan you buy rather than being unlimited
- In business since:
- 1976
- Valuation:
- Agreed Value
- New purchase cover:
- Up to 30 days, up to $100,000
- Driver rules:
- 5+ years licensed, no more than one violation or at-fault accident in 3 years
Bottom line: American Collectors gives the most coverage per dollar of the specialists we compared and is the only one to publish a typical premium range. It is the best second quote next to Hagerty.
- 03
Grundy
8.7/10Collector car insurer since 1947 whose Collector Vehicle Program pairs agreed value with no mileage restrictions.
- Free plan
- No
- Value (40%)
- 8.9
- Features (35%)
- 9.0
- Ease of use (25%)
- 8.0
Best forOwners who drive their classic often and want agreed value without a mileage cap.
Grundy has insured collector cars since 1947, and its Collector Vehicle Program has the most generous usage terms of the specialists in this list. There are no mileage restrictions, and Grundy says club events, exhibitions, parades and pleasure driving are covered with little limitation. The policy insures the car at its full agreed value with no depreciation, and you can opt into a zero deductible. Extras include $500 for specialty tools and spare parts, flatbed towing and breakdown help, trip interruption cover of up to $600 when you break down more than 50 miles from home, and cover while you travel to and take part in car shows. Liability limits of $500,000 and more are available. Grundy's Motor Vehicle Program goes further, putting daily drivers, exotics and classics on one agreed-value policy. The catch for younger collector cars is age: the classic tier is for vehicles 25 years or older.
- ✓Drive the classic as much as you like under the Collector Vehicle Program
- ✓Liability limits of $500,000 and more available
- ✓Motor Vehicle Program can put daily drivers and classics on one agreed-value policy
- ✕Collector cars generally need to be 25 years or older
- ✕Zero deductible is opt-in rather than standard
- ✕Spare parts cover is $500, below Hagerty's $750
- In business since:
- 1947
- Mileage limit:
- None
- Classic car age:
- 25 years or older
- Claims support:
- 24/7
Bottom line: Grundy is the best pick for owners who actually drive their classic, thanks to no mileage restrictions and agreed value. Quote it alongside Hagerty if you expect to cover more than a few thousand miles a year.
- 04
J.C. Taylor
8.6/10Collector car insurer of more than 60 years and longtime AACA partner, offering Agreed Value cover from 19 years of age.
- Free plan
- No
- Value (40%)
- 8.8
- Features (35%)
- 8.5
- Ease of use (25%)
- 8.3
Best forOwners of younger classics and antiques who want unlimited hobby mileage and a $0 deductible.
J.C. Taylor has insured collector cars for more than 60 years and has partnered with the Antique Automobile Club of America since the 1960s. Its Agreed Value policy pays the agreed amount, less any deductible, after a covered total loss, and in most states there is no deductible on physical damage at all. Two rules make it friendly to everyday enthusiasts: most cars qualify at 19 years old, or 15 in Texas, and it allows unlimited mileage for hobby use, including drives just to give the car some exercise. New additions are covered automatically at the purchase price if you report them within 30 days, and cover extends across the continental US and Canada. J.C. Taylor says collector cover can cost up to 40% less than standard auto. The trade-offs are standard: drivers should be 25 or older with a clean record, racing is excluded, and modified cars carry a $250 deductible.
- ✓Most cars qualify at 19 years old, or 15 in Texas
- ✓Says collector cover can cost up to 40% less than standard auto insurance
- ✓Multi-vehicle discount for collectors with several classics
- ✕Racing and timed events are excluded
- ✕A $250 deductible applies under its Modified program
- ✕Vehicles with roll cages, nitrous or big lifts are generally ineligible
- Minimum vehicle age:
- 19 years (15 in Texas, 25 in Massachusetts)
- Mileage:
- Unlimited for hobby use
- Deductible:
- $0 in most states; $250 on Modified program
- Driver age:
- Generally 25 or older
Bottom line: J.C. Taylor is a strong specialist for owners of 1990s and 2000s classics, with an early age threshold, unlimited hobby mileage and a $0 deductible in most states. It is a worthwhile third quote.
- 05
Progressive Classic Car by Hagerty
8.5/10Progressive's classic car program, run with Hagerty, offering Guaranteed Value cover with no fixed mileage restrictions.
- Free plan
- No
- Value (40%)
- 8.3
- Features (35%)
- 8.6
- Ease of use (25%)
- 8.6
Best forProgressive auto customers who want a Hagerty policy without shopping a new brand.
Progressive does not underwrite classic cars itself. Its Progressive Classic Car by Hagerty program gives Progressive shoppers a direct route into a Hagerty policy, with Guaranteed Value cover that pays the full insured value after a covered total loss. Progressive's page says there are no fixed mileage restrictions, and use for club functions, exhibitions, tours and occasional pleasure driving is fine. Claims draw on Hagerty's parts specialists, who source stock original replacement parts when possible. Storage rules are a little looser than at some specialists: an enclosed garage is preferred, but carports and driveways may be accepted. You get a reduced rate for two or more classics, and you do not need another vehicle insured with Progressive, though you must keep a policy on an everyday car. The main reason to pick this route is convenience. If you are already quoting Hagerty directly, compare both offers, since the coverage comes from the same place.
- ✓Familiar Progressive buying path with Hagerty claims expertise
- ✓You do not need another car insured with Progressive
- ✓Accepts carports or driveways in some cases, not only enclosed garages
- ✕The policy is a Hagerty product, so quoting both may return the same offer
- ✕Serious violations in the last three years can disqualify you in many states
- ✕Roadside help requires joining the Hagerty Drivers Club
- Program partner:
- Hagerty
- Mileage:
- No fixed restrictions
- Classic age guide:
- Often 25 to 50 years old
- Other policy needed:
- Yes, for your regular-use vehicle
Bottom line: Progressive Classic Car by Hagerty is a simple way for Progressive customers to get Hagerty cover. It ranks below Hagerty because buying direct gives you the same coverage with more documented detail.
- 06
Heacock Classic
8.4/10Collector vehicle insurer since 1989 offering agreed value, zero deductibles and one liability charge per collection.
- Free plan
- No
- Value (40%)
- 8.6
- Features (35%)
- 8.4
- Ease of use (25%)
- 8.0
Best forCollectors with several cars who want to pay for liability only once.
Heacock Classic has served the collector car community since 1989 and sells in 48 states. Its pitch is aimed at people with more than one car: you pay for liability coverage once, however many vehicles are in your collection, which can cut the cost of insuring a garage full of classics. Policies use agreed value, so a covered total loss pays the full insured value, and Heacock says most policies carry zero dollar deductibles. Pleasure driving is covered up to 6,000 miles a year, roadside assistance with guaranteed flatbed towing is included nationwide, and a newly bought classic gets 30 days of automatic cover up to $50,000. Cars under restoration, at a shop or in your own garage, can be fully covered during and after the work at no extra charge. Heacock also insures car clubs, shows and events. The limits are reach and detail: two states are not served, and its site publishes less about eligibility than the larger specialists.
- ✓Zero dollar deductibles on most policies
- ✓Covers cars during and after restoration at no extra charge
- ✓Installment and recurring payment options
- ✕Available in 48 states, not all 50
- ✕Mileage is capped at 6,000 a year for pleasure use
- ✕Fewer published details on eligibility than larger specialists
- In business since:
- 1989
- States:
- 48
- Pleasure mileage:
- Up to 6,000 a year
- Liability:
- One charge per collection
Bottom line: Heacock Classic is the best fit for multi-car collectors, because liability is charged once per collection and roadside is included. Check that your state is one of the 48 it serves.
- 07
State Farm Classic+
8.3/10State Farm's classic car policy, driven by Hagerty and sold through State Farm agents, with Guaranteed Value cover from 10 years of age.
Price
Customper car per year, quoted by an agent
No published premium; quotes come from a State Farm agent. The optional Hagerty Drivers Club costs $70 a year
“For just $70 per year, members” Quoted from the pricing page, November 10, 2026.
- Free plan
- No
- Value (40%)
- 8.2
- Features (35%)
- 8.6
- Ease of use (25%)
- 8.2
Best forState Farm customers who want a local agent and a classic policy for cars as young as 10 years.
State Farm Classic+ is written by State Farm Classic Insurance Company and driven by Hagerty, which gives State Farm customers Hagerty-style coverage through their local agent. Guaranteed Value sets the car's value up front and pays that full amount, minus any deductible, after a covered total loss. Claims run seven days a week, and State Farm says Classic+ adjusters get 80 hours of classic vehicle repair training each year, with parts specialists on staff. You can pick the repair shop or get paid to do the work. The policy covers evacuation expenses, such as moving the car away from a wildfire or hurricane, plus spare parts and car covers. Eligibility is broad on age: a car qualifies at 10 years old if it sees very limited use and is in good or better condition. The biggest limit is geography. Classic+ is not sold in nine states, including California, New York and Pennsylvania, where State Farm offers its older classic coverage instead.
- ✓Cars qualify at 10 years old, or replicas of cars over 10
- ✓Adjusters get 80 hours of classic repair training a year
- ✓Reimburses moving your car away from wildfires or hurricanes
- ✕Not available in CA, KY, MA, MI, NC, NJ, NY, PA and WV
- ✕Sold through agents rather than an online quote
- ✕Car must be in good or better condition unless under restoration
- Program partner:
- Hagerty
- Minimum vehicle age:
- 10 years
- Unavailable in:
- CA, KY, MA, MI, NC, NJ, NY, PA, WV
- How to buy:
- State Farm agent
Bottom line: State Farm Classic+ is a good choice for State Farm customers who want an agent to handle a Hagerty-built policy. Check your state first, since nine states are excluded.
- 08
Allstate Classic Car (Hagerty)
8.2/10Allstate's classic car page that sends shoppers to Hagerty for quotes underwritten by Essentia Insurance Company.
- Free plan
- No
- Value (40%)
- 8.0
- Features (35%)
- 8.4
- Ease of use (25%)
- 8.3
Best forAllstate customers who want a referral into an agreed-value Hagerty policy.
Allstate does not write classic car insurance itself. Its classic car page sends you to Hagerty's website, where Hagerty Insurance Agency provides quotes from Essentia Insurance Company, and Allstate states that it has no financial responsibility for policies bought through the program. That makes this entry a referral route rather than a separate product. What you get is the Hagerty-style agreed-value approach: you and the insurer set the car's value when the policy is written, taking market value, condition, improvements and parts costs into account. Allstate's guidance is useful for owners of newer cars: it says a hot rod, resto-mod, highly customized, exotic or luxury car valued far above its original price may qualify, along with antique tractors, military vehicles and classic motorcycles. Project cars can get endorsements for the car and tools. Since the policy is the same family as Hagerty's, quote Hagerty directly and use this route only if you value staying in Allstate's orbit.
- ✓Clear explanation of agreed value versus actual cash value
- ✓Accepts newer cars valued well above their original price
- ✓One click from Allstate to a Hagerty quote
- ✕Not an Allstate product: Allstate has no financial responsibility for the policy
- ✕You leave Allstate.com to get a quote
- ✕Coverage details live on Hagerty's site, not Allstate's
- Underwriter:
- Essentia Insurance Company
- Quoted by:
- Hagerty Insurance Agency, LLC
- Classic age guide:
- Generally 25 to 30 years old
- How to buy:
- Online via Hagerty's website
Bottom line: Allstate's classic program is a convenient doorway into a Hagerty-quoted, Essentia-underwritten policy. It ranks lower because buying from Hagerty directly gives the same cover with more published detail.
- 09
Chubb
7.9/10Global insurer offering classic car cover with OEM parts, no hobby mileage limit and 90 days of cover for new purchases.
- Free plan
- No
- Value (40%)
- 7.6
- Features (35%)
- 9.0
- Ease of use (25%)
- 7.0
Best forOwners of valuable collections who want premium claims service and OEM-parts repairs.
Chubb is the premium option in this list, and a natural fit for collectors who already use it for home or valuables cover. Its classic policy typically covers cars at least 30 years old, part of a larger collection, or limited production models, garaged and used for hobby purposes. Coverage details are generous. Chubb insists on OEM parts, pays for fabricated parts when originals are not available, and will cover your choice of shop even if that means shipping the car out of state or overseas. There is no mileage limit on hobby use, and non-competitive rallies and tours need no prior approval. After a total loss you can keep the car and parts and receive the Agreed Value less salvage value. New classic purchases are covered automatically for 90 days, the longest window in this list. Chubb says adjusters make contact within 24 hours in 98% of claims. The trade-offs are access and fit: there is no online quote, so you email Chubb or use an agent, and its eligibility leans toward older cars and collections.
- ✓Adjusters make contact within 24 hours in 98% of claims, per Chubb
- ✓Will send a car out of state or overseas for the right repair
- ✓Combines all Chubb policies on one bill
- ✕Typically requires cars at least 30 years old, part of a collection or limited production
- ✕No online quote; you email or work with an agent
- ✕Roadside assistance is optional, not included
- Typical eligibility:
- 30+ years old, part of a collection, or limited production
- Mileage:
- No limit on hobby use
- New purchase cover:
- First 90 days
- Parts:
- OEM, or fabricated if unavailable
Bottom line: Chubb has some of the strongest coverage terms here, including OEM parts and 90 days of new purchase cover. It ranks last on value and ease because there is no online quote and its eligibility rules are narrower.
What to check before you pay
Insist on agreed value, not stated value
An agreed-value policy pays the amount you and the insurer set up front after a covered total loss, minus any deductible. A stated-value policy lets the insurer pay the lower of actual cash value or replacement cost. Every insurer in this list offers agreed-value cover; confirm the wording on your declarations page.
Check that your car and your habits qualify
Rules differ a lot. J.C. Taylor accepts most cars at 19 years old, State Farm Classic+ at 10 years, and Chubb typically at 30 years. Nearly every insurer requires a separate everyday vehicle, a locked garage or similar storage, and hobby use only, so a classic you commute in will not qualify.
Compare mileage terms
Grundy, J.C. Taylor and Chubb publish no mileage limit for hobby use, and Progressive's Hagerty program has no fixed mileage restriction. Hagerty says 3,500 miles or fewer a year is typical and up to 7,500 may be considered. Heacock covers pleasure driving up to 6,000 miles a year. American Collectors sells tailored mileage plans.
Look at the extras that cost money elsewhere
Spare parts cover ranges from $500 at Grundy, State Farm and American Collectors to $750 at Hagerty. Automatic cover for a newly bought classic runs from 30 days up to $50,000 at Hagerty and Heacock, to 30 days up to $100,000 at American Collectors, to 90 days at Chubb. Roadside help is included at Heacock and Grundy, and at Hagerty it comes with the $70 a year Drivers Club.
Get at least three quotes
Premiums depend on the agreed value, your record, storage and ZIP code, and no insurer here posts a fixed price. Quote Hagerty, one independent specialist such as American Collectors, Grundy or J.C. Taylor, and your current auto insurer if it has a classic program, then compare the same value, deductible and liability limits.
FAQ
What is the best company for classic car insurance?
Hagerty is the best company for classic car insurance for most owners in 2026. Its Guaranteed Value policy pays the full agreed value after a covered total loss, includes $750 of spare parts cover and 30 days of cover up to $50,000 for new purchases, and is sold in all 50 states. American Collectors and Grundy are the strongest alternatives.
Who has the best insurance for classic cars you drive often?
Grundy has no mileage restrictions on its Collector Vehicle Program, and J.C. Taylor allows unlimited mileage for hobby use. Chubb also sets no mileage limit on hobby use. Hagerty says 3,500 miles or fewer a year is typical for its policies, with up to 7,500 considered.
What is the best insurance for a classic car on a budget?
American Collectors Insurance is the best value pick. It sells tailored mileage plans and includes TreasureGuard benefits at no added cost, and it says antique car insurance in North Carolina typically costs $200 to $800 a year. Your premium depends on the agreed value, your record, storage and location.
Who has the best collector car insurance for a large collection?
Heacock Classic charges for liability only once no matter how many vehicles are in your collection. Chubb suits larger collections, with OEM-parts repairs and 90 days of automatic cover for new purchases. American Collectors, Grundy and J.C. Taylor also offer multi-vehicle discounts.
What is the best insurance for antique cars?
Hagerty and J.C. Taylor are strong choices for antiques. Hagerty covers everything from the first cars ever made to modern collectibles, and J.C. Taylor has insured Antique Automobile Club of America members since the 1960s, with a $0 physical damage deductible in most states. Both use agreed value.
Are Progressive, State Farm and Allstate classic car policies different from Hagerty?
They are closely linked. Progressive Classic Car is run by Hagerty, State Farm Classic+ is driven by Hagerty and written by State Farm Classic Insurance Company, and Allstate sends shoppers to Hagerty for Essentia-underwritten quotes. Quote Hagerty directly as well and compare the offers.
Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.
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