At Nationwide, we know what your classic car means to you. Whether you bought your beauty in mint condition or spent years fixing it up until it was just right, your classic deserves the best classic car coverage out there.

Nationwide has teamed up with Hagerty, the leader in classic car insurance, to provide coverage for your collector vehicle. But how exactly does classic car insurance work? Learn what is (and isn’t) covered with this helpful guide to classic vehicle insurance.

What’s covered under a classic car insurance policy?

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 may reimburse you for the damages.


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

Unexpected damage such as fire and vandalism also may be covered under your classic car insurance policy.

Features of Nationwide & Hagerty classic car policies

Guaranteed Value®

With agreed value car insurance, there are no surprises or disputes over the vehicle value. Policies are guaranteed to pay the full insured amount for the vehicle in the event of a covered total loss. There is no depreciation on partial losses, and members will receive the previously agreed upon or "guaranteed" value for total losses.1 Guaranteed or agreed valuation car insurance differs from a standard auto policy, which would pay the lesser of the stated value or actual cash value, minus the deductible.

No mileage limits

There are no fixed mileage limits as part of our classic car coverage. When it comes to pleasure or hobby-related use, your policy allows total freedom.2

Policy terms

Classic car coverage typically lasts for 12 months, with no need for seasonal renewal of your policy.

Low premiums

Because classic vehicles are not daily-use vehicles, they’re less expensive to insure. You can enjoy rates up to 42% lower than standard auto insurance.3

Hagerty Drivers Club™

  • Unlimited emergency roadside service
  • 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
  • Members-only events and experiences
  • Weekly Collector Car eNewsletter
  • Membership in the Historic Vehicle Association®
Still have questions about how classic car insurance works? Call 1-888-566-9701
[1] Less any deductible and/or salvage value if the vehicle is retained.
[2] Occasional pleasure use does not mean use for daily driving to and from work or school, routine shopping, etc.
[3] Figure based upon 2017 consumer data collected by Hagerty on single quotes, with premiums $5,000 and under, from several daily driver auto insurance carriers.

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.