14 Best Car Insurance Companies

When you hit the road, feel confident that you, your loved ones, and your pockets are properly protected. Let us worry about the risks of the road while you enjoy the freedom of the ride” is a popular quote from a classic car Insurance company.

As much as possible, people should only drive out of their garages with adequate protection for their assets.

This assertion becomes handy because Classic Car insurance Companies are structured to prevent harm from coming to an asset, increase value over time, and safeguard you from lots of losses if your asset is involved in an accident.

With the above comes the need for a classic car to be safeguarded. Therefore, the question of which company is the best Classic Car Insurance Company becomes necessary.

Therefore, this study focuses on the 14 Best Classic Car Insurance companies in the world. Their coverage options and merits will also be fully explored to enable you to get the best insurance policy for your asset.

Best Car Inusrance Companies

14 Best Classic Car Insurance Companies

  • Hagerly
  •  Lealand-West
  •  Heacock
  •  Grundy
  •  American Collectors Insurance
  •  American Modern Insurance
  •  Auto Club of Southern California Insurance Group
  •  State Farm
  •  American National
  •  Farmers
  •  J. C Taylor
  •  Condom Skelly
  •  Geico
  •  Progressive

#1. Hagerly

Hagerly happens to be the most suitable for a classic asset in the restoration process.

The Classic asset in this situation is qualified for special coverage, including a 10% increase in each quarter’s value, $750 tool coverage, and a customized toll-free number for the towing specialist to and from the shop.

This coverage, more importantly, is open for project cars so long as evidence of works can be shown on how the asset is restored.

Coverage Option

Age Of Vehicle: Any age can qualify if the asset is in a good state and at least has a value of $3,500

Regular Use Allowed: No, a different insurance policy for the asset and a daily driver is required.

#2. Lealand-west

Lealand-West tends to be the most appropriate insurance policy for individuals who possess a lot of classic assets.

This classic car insurance company takes the lead because they provide about $50,000 for all qualified classic assets and individual buys, plus an existing asset being protected. 

Lealand-West also protects numerous newly purchased assets that are collectors-items which entails costly assets like Rolls-Royce and Ferraris.

Coverage Option Of Lealand-west

Age Of Vehicle: This is not specified in any qualified asset to be collected.

Read this: 20 Best Car Insurance in Oklahoma | 2023

#3. Heacock

Heacock was established in 1989, and the Headquarters is in Lakeland, Florida. This classic insurance is most appropriate for owners searching for a professional customer experience. Customers usually commend the classic car insurer’s personnel and their services.

Heacock provides all patterns of car insurance and includes roadside aid at no additional price. The company and the asset owner agree upon the asset value.

Coverage Option

Age of vehicle: Any, if your car lives Heacock’s Collector Car Lifestyle requirement.

Is regular use allowed? No, you cannot use the car as a daily commuter. There’s a limited number of miles per year.

#4. Grundy Insurance:

Grundy Insurance was established in 1947, and its headquarters is in Horsham, Pa. This is termed the best insurance for classic cars, which has a fast addition in value.

The asset insurance policy accounts for 100% of the car’s value in a discovered absolute loss environment. 

Grundy Insurance Company announces a 5-star rating from Better Business Bureau (BBB), which shows the company’s total input in their customer service.

Coverage Option

Age of vehicle: 25+ years, but exotic cars can be any age.

Regular use allowed: Cars should not be used for daily movement.

#5. American Collectors Insurance:

It was founded in 1976 and had its headquarters at Cherry Hill, N. J. The American Collectors Insurance is purchased all through the USA.

It has a 4.5- star rating from AM Best, indicating that they possess a credible strength in meeting its customer’s need.

This company provides roadside aid, theft reward, and cosmetic damage depending on the level of coverage purchased.

Coverage Option

Age of vehicle: Any, if the car has collector merit.

Regular use allowed: Your car can’t be used for daily movement.

#6. American Modern Insurance Company

This was established in 1965 and had its headquarters in Cincinnati. American Modern Insurance provides many additional safeguards alongside the six standard insurance coverage like agreed value loss settlement, spare parts, towing, trip Interruption, pet, and new purchases.

Although it doesn’t have my rating from BBB, Its customer service rating is interwoven as it offers additional service during the process of restoration, which entails destructions done by or to spare parts as they are being used in this process.

Coverage Option

Age of vehicle: Not specified, as it is based on the type of car

Regular use allowed: No

#7. Auto Club of Southern California Insurance Group

This company is an excellent choice for protecting spare parts because they offer about $2,000 in coverage.

In addition, they create room for owners to purchase other coverage if they need to increase their standard $2,000 coverage.

#8. State Farm Insurance

State Farm Insurance has its headquarters in Bloomington, USA. It has always been recommended for its affordability and discount rate. The 100% satisfaction of customers is adequately guaranteed.

Coverage Option

Age of vehicle: 10+ years

Regular use allowed: No

#9. Farmers Insurance

Farmers Insurance is an insurance company founded in 1928 and headquartered in Woodland Hills, CA.

The farmer’s insurance group is an excellent choice for insuring automobiles. In addition to this, it provides other financial service products.

Coverage Option

Age of vehicle: Not specified

Regular use allowed: Not specified

#10. J. C Taylor

J. C Taylor is an insurance company founded in 1947 with its headquarters at Upper Darby, PA. J. C Taylor is the best option for automobiles. It has also been able to attain an A+ rating from BBB.

Coverage Option

Age of vehicle: 19+ years

Regular use allowed: Yes, but it has to be seldom

#11. Condom Skelly

Condon Skelly is an insurance company that started providing insurance services to its customers way back in 1965. Its headquarters is at Cherry Hill, NJ. 

Over time, Condon Skelly was discovered to be the best option for automobiles and it is also exceptionally good at its customer service.

Coverage Option

Age of vehicle: Not mentioned

Regular use allowed: No

#12. American National

American National is an insurance company established in 1905 and headquartered in Galveston, Texas.

It is highly rated for its automobile insurance policy, and they offer a splendid service to its customers. They also offer roadside services and collision coverage.

Coverage Option

Age of vehicle: Not specified

Regular use allowed: Not specified

#13. Geico Auto Insurance:

Geico Auto Insurance is the best option for insuring a classic car because of its affordable insurance policy.

Another benefit of insuring in Geico Insurance company is that individuals can manage and control their account online if the insurer is unavailable.

In addition, Geico Auto Insurance offers protection for property damage, medical, collision, and comprehension. It also offers a large discount policy to customers.

Also, check this: Best Travel Insurance Companies In 2023

#14. Progressive Auto Insurance

Progressive Auto Insurance is one of the top insurance companies established in 1937, and its headquarters is in Mayfield Village, Ohio. 

So, individuals who would like to save money should go for this. It is also excellent in its discount policy, and its coverage includes comprehensive and collision, uninsured and underinsured motorist, liability, and roadside service.

Frequently Asked Questions (FAQs)

What are the three major car insurances?

  • Liability coverage.
  •  Collision coverage
  •  Comprehensive coverage.

Which is a better Car Insurance

Taking comprehensive car insurance coverage is always advisable as it provides complete protection of not only someone else’s car, like Third-Party car insurance, but also the Own damages to your car, as well as any injury to the owner-driver.

How can I find the best car insurance?

When comparing insurers, select the same coverage levels to compare quotes equally. You’ll also want to look at a company’s customer complaints on your state insurance commissioner’s website and financial strength through a rating site like AM Best.


For you to have a lasting Classic asset, there is a need for Classic Car Insurance Companies to be pursued. The best Classic Car Insurance Companies and their coverage areas have been successfully explored.

Following this, every classic asset owner has been exposed to the classic protection policy to guarantee adequate coverage of their assets.

Therefore, get a quote today and have a safe and free ride in your sphere.



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