Classic Car Insurance

Protect your collector vehicle and enjoy the ride

When it comes to protecting collector vehicles, standard auto insurance doesn't cut it. Your special vehicle requires special coverage. Ullico is proud to partner with Hagerty to offer their best-in-class insurance at the lowest price possible. Hagerty is passionate about keeping classic and collector cars on the road and people behind the wheel.

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What makes a vehicle a "collector"?

Generally, to qualify for coverage for classic, collector, vintage, and antique cars or trucks, your vehicle needs to be used as an extra car and not your daily vehicle, kept in good working condition, and stored properly (storage requirements differ from state to state). Collector vehicles are meant be enjoyed, not just driven. Keep in mind that collector vehicles can include fun-to-drive cars from the 90s to today and they must be holding steady at a minimum value of $3,500, or increasing in value.

What qualifies for coverage?


Hagerty provides coverage for secondary, just-for-fun vehicles only. Limited pleasure use is encouraged, as long as the vehicle isn't your primary daily driver.


Though Hagerty prefers that collector vehicles are stored in an enclosed, secure structure when not in use — such as a private garage, pole barn or storage unit — they will consider other storage types, including:

• Carports      • Parking garages
• Driveways   • Car hauling trailers

Regular-use vehicles

Hagerty will want to make sure that all household members with a valid driver's license have a regular-use vehicle and primary auto insurance policy before they can offer coverage. Motorcycles and public transportation are not considered regular-use vehicles in most cases.

The Hagerty advantage

Hagerty understands that automotive enthusiasts want to use their cars, which is why they have no fixed mileage requirements, and encourage members to get out and enjoy the ride.

Hagerty offers coverage with benefits designed with enthusiasts in mind:

  • Guaranteed Value® coverage to insure your classic's real value *
  • Claims handling by collector car experts
  • Flexible usage to fully enjoy your vehicle
  • Collision and theft coverage

You can also get specialized coverage for:

  • Automobilia
  • Automotive tools
  • Spare parts
  • Vehicle Under Construction
  • Traveling Collector

Beyond insurance

At Hagerty, everything comes back to celebrating car culture and keeping it alive for generations to come. Along with providing unparalleled specialty insurance for enthusiast vehicles, they work tirelessly to put as many people behind the wheel as possible. Across the country, they host ride and drives, touring series and track days; getting young people involved in driving and working with cars; and support organizations that share their vision, including hundreds of car clubs across the country.

Hagerty is also home to DriveShare™, Car Values, MotorsportReg and Hagerty Drivers Club®. Drivers Club members enjoy exclusive automotive discounts, members-only events and experiences, a complimentary subscription to the award-winning Hagerty Drivers Club magazine, roadside assistance designed for classic and collector vehicles, and much more.

* Guaranteed Value includes all taxes and fees unless prohibited by state law.

Membership by Hagerty Drivers Club (HDC), a non-insurance subsidiary of The Hagerty Group, LLC. Only the HDC Program Guide contains a complete description of benefits. Purchase of insurance not required for membership in HDC.

Policies underwritten by Essentia Insurance Company. Hagerty determines final risk acceptance.

Some coverage not available in all states. This is a general description of coverage. All coverage subject to policy provisions, exclusions, and endorsements.

DriveShare, Hagerty & Hagerty Drivers Club are registered trademarks of the Hagerty Group LLC, ©2021 The Hagerty Group, LLC. All Rights Reserved.