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Classic car insurance

There are so many sides to Dale Earnhardt Jr. Like the one that appreciates the classics.
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You know what’s best for your classic car under the hood, but what about the best classic car insurance? Whether it’s a muscle car, hot rod or a fully restored 1960s van, Nationwide has partnered with Hagerty to keep you covered with collector car insurance designed for the unique needs of classic car collectors.

Features of Nationwide classic car insurance by Hagerty

Guaranteed Value® coverage

The policy guarantees to pay the full insured amount, minus a deductible, for a covered total loss.1

Lower premiums

Classic car insurance is up to 21% lower premiums than standard auto insurance.2 So you can protect your investment for less

Flexible usage

Allows limited pleasure use with no fixed mileage limits.

Access to the experienced claims team at Hagerty

The in-house claims team at Hagerty is trained in the art of classic vehicle repairs.

Repair shop of choice

When it comes to repairing and maintaining your collector car, it's worth it to be choosy. You decide who should do the work.

Nationwide classic car insurance by Hagerty covers a wide range of collector vehicles

  • Collector race cars
  • Motorsports protection
  • Classic military vehicles
  • Kits and replicas
  • Retired commercial vehicles
  • Vehicles under construction
  • Collector trailers

Does your vehicle qualify for classic car insurance?

To qualify for collector car insurance you must meet the following requirements:

Usage

The classic car policy allows you to use your collector vehicle for club functions, exhibitions, organized meets, tours and even occasional pleasure driving. As long as it's not your daily driver, it qualifies for classic car insurance.

Storage

Though we prefer that collector vehicles are stored in an enclosed, secure structure when not in use — such as a private garage, pole barn or storage unit — we will consider other storage types, including3:
  • Carports
  • Driveways
  • Parking garages
  • Car hauling trailers

Regular-use vehicles

All household members with a valid driver’s license must have a regular-use vehicle for daily driving to qualify for classic car insurance. Motorcycles and public transportation are not considered regular-use vehicles in most cases.

Classic truck coverage

Collector trucks can also be covered by classic car insurance. We understand that you might have different uses in mind for a truck, which is why we offer specialized collector car insurance coverages. Talk to your agent about how hauling and towing can be considered on a limited basis under a classic car policy.

If your vehicle doesn’t qualify for classic car insurance, find an auto policy that better suits your needs.

Available classic car insurance coverage

Collision coverage

Although classic cars aren’t for daily use, accidents can still happen. Whether it’s a collision with another vehicle or another object, your classic car policy could reimburse you for the damages.

Theft

In the unfortunate event that your classic car is stolen, collector car insurance can cover you up to the Guaranteed Value® of your vehicle.

Comprehensive coverage

You want to ensure that your classic is protected even when it's not on the road. Comprehensive coverage ensures that your vehicle is protected from unexpected damages such as fire, theft, vandalism and more.

Liability coverage

Available for full coverage policies, liability insurance will cover injuries to other people, known as bodily injury, to put toward their medical expenses, funeral expenses, lost income, etc. It also covers damage to property, such as a person’s car or the fence in someone’s yard, among other things.

Additional classic car coverages and benefits

You can also get specialized coverage for:
  • Automobilia
  • Automotive tools
  • Spare parts ($750 included at no charge, $0 deductible)
  • Vehicle Under Construction (endorsement)
  • Traveling Collector (endorsement)

Hagerty Drivers ClubTM

Membership in this club includes unlimited emergency roadside service with guaranteed flatbed towing and other benefits, including:
  • Exclusive automotive discounts
  • Members-only events and experiences
  • Premium access to Hagerty Valuation Tools®
  • Six issues of the award-winning Hagerty magazine
  • Hagerty Carcierge – Automotive advice, help finding parts and more
  • Access to articles, videos and forums
  • Weekly Collector Car eNewsletter
  • Membership in the Historic Vehicle Association®
[1] With our $0 deductible option, if you decide not to keep your vehicle after a covered total loss, you will receive a check for the vehicle’s insured amount. Guaranteed Value includes taxes and fees unless prohibited by state law.
[2] Figure based upon 2022 consumer data collected by Hagerty on single car quotes, for premiums $5000 and under, from several daily driver auto insurance carrier.
[3] Storage and driver eligibility are subject to underwriter review and to all applicable state and underwriting restrictions.
Vehicles depicted are the property of actual customers. Any third-party trademarks or brands are the property of their respective owners. Their inclusion here is provided for informational purposes only, and does not constitute an endorsement of any third party by Nationwide. Nor does it imply, directly or indirectly, any sponsorship or affiliation between Nationwide and such third parties.
Products underwritten by Essentia Insurance Company. All coverage is subject to policy provisions, exclusions and endorsements. Some coverage may not be available in all states. All third-party names, trademarks and logos are property of their respective owners. Hagerty and Guaranteed Value are trademarks of The Hagerty Group, LLC.