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Farmers® Specialized
and Classic Auto
Insurance by Hagerty®

With premiums up to 21% lower on average than daily driver insurance1

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Insurance for people who love cars

Your special set of wheels isn’t meant to spend its life in a garage. It’s meant to be driven. No one knows this better than Hagerty. Specialized and classic auto coverage gives you the freedom to take your prized ride out on the road wherever and whenever you want.

Lower rates for classic car insurance

That car you drive every day? This coverage is for the other one, the one that stole your heart, the one you want to drive every chance you get. With Farmers by Hagerty, you get coverage that allows flexible usage with no mileage limits (unlike our competitors). And because these cars are driven less, and very carefully, premiums can average up to 21% less than standard auto insurance.

Benefits of choosing Hagerty and Farmers

Car insurance designed for the specialized needs of classic and collectible car owners.

Expert claims handling, service and knowledge.

Savings. Premiums run lower than standard car insurance, with even more savings for having two or more classic vehicles on your policy.

Hagerty driving club. Members share their love of cars plus 24/7 emergency roadside service, exclusive discounts, VIP perks at events and more.

What you get with Hagerty classic car insurance policies  

Guaranteed Value® coverage
In a total loss, there’s no depreciation, no messing around. When you get your quote, Hagerty will come to an agreement with you on your car’s value, and that amount would be paid out in the event of a total loss.

Original replacement parts coverage
For covered repairs, Hagerty offers stock replacement parts and even has specialists to search out rare, hard-to-find — and often expensive — ones.

Flexible usage
Want to take your beauty out for an occasional Sunday drive? Or to collector club events? No problem.

Optional coverages
For vehicles undergoing restoration, trip interruption for traveling collectors, spare parts and memorabilia and evacuation expenses.

Specialized/collector vehicles we cover

Antique and classic cars

  • 1979 and older 
  • $3,500 minimum insured value

Newer collector cars

  • 1980 and newer
  • $3,500 minimum insured value

Trucks, SUVs, Jeeps

  • 1998 and older
  • $3,500 minimum insured value

Hot rods and street rods

  • 1979 and older
  • $3,500 minimum insured value

Replicas

  • $3,500* minimum insured value

High-value vehicles and collections

  • Total insured value $500,000+

Motorcycles

  • 1996 and older
  • $2,000** minimum insured value

Race cars

  • $3,500 minimum insured value

*Shelby Cobra and Ford GT replicas - $15,000 minimum insured value
**Three or more motorcycles, $1,000 minimum insured value per motorcycle

1Figure based upon 2022 consumer data collected by Hagerty on single car quotes, with premiums $5,000 and under, from several daily driver (or “everyday”) auto insurance carriers.