Classic Car Insurance Built by Collectors, for Collectors
Standard auto insurance treats your ’67 Fastback like a 2019 Camry. We don’t.
50 Years
protecting collectors
#1 Rated
50 States
nationwide coverage
4.9
20,000+ Reviews
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50 Years
Protecting Classic Cars
20,000+
Reviews
#1 Rated
4.9 Stars
Most collectors don’t know what their policy is missing.
Standard insurers price your classic car like a daily driver and pay claims like one too.
These four features are what separate a collector policy from a generic one.
Agreed Value Coverage (Included)
Standard insurers pay what they think your car is worth at the time of loss. This depreciated number will rarely reflects real collector market value.
With Agreed Value, you and American Collectors Insurance lock in your car’s worth upfront. Total loss? You get that full amount, no negotiation, no depreciation surprise
C.A.R.E. Emergency Roadside Plans
Generic roadside sends whatever truck shows up first. Classic cars need careful, flatbed handling because the wrong tow can cause more damage than the breakdown itself.
C.A.R.E. lets you choose your own towing service and reimburses you, plus covers emergency travel, missed car show fees, and a theft reward up to $5,000.
Flexible Mileage Plans
Why pay for 15,000 miles when your collector drives 2,500?
American Collectors Insurance offers tiered mileage plans starting at 2,500 miles/year all the way up to unlimited pleasure use so you only pay for the miles you actually drive.
Spare Parts Coverage
Sourcing the right part can take years and cost thousands. Standard insurers don’t cover spare parts at all.
American Collectors Insurance protects the inventory sitting in your garage so a theft or fire doesn’t erase your restoration investment along with the parts
Tailored coverage since 1976
AGREED VALUE COVERAGE
In the event of a total loss / theft, you are paid the Agreed Value for your classic car (less any applicable deductible).
OPTIONAL COVERAGE BUNDLES
Simplified package options to tailor your classic car policy to your unique needs.
SAVE VERSUS REGULAR AUTO INSURANCE
Users save vs regular auto insurance. Receive better coverage for your classic car at an outstanding price!
COLLECTOR INSURANCE SPECIALISTS
Personal guidance from licensed professionals / classic car enthusiasts, even on Saturdays.
Details That Make a Difference
Check out American Collectors Insurance compared to standard auto insurers and you’ll see why we’re the best choice by far!
*Program features and availability vary by state. Contact American Collectors Insurance for additional information.
4.9 
#1 Rated Classic Car Insurance
20,000+ reviews
Exceptional and fast customer support
Michelle and the ACI team provided exceptional customer support! I was dealing with stipulations that Hagerty put on me for the 1963 Impala and USAA referred me to American Collectors Insurance. They beat Hagerty’s rates and when I called later to add a lien, Michelle got it done and documents emailed to me with extraordinary speed.
I give this experience two thumbs up and 5 stars! Keep up the great work guys.
Agulair Alsburry
What really sold it for me to switch, simple “Customer Service”. The insurance agent “Karla”, what a breath of fresh air. Made me feel welcome, just like my policy with USAA. The kicker is, since we have an existing USAA policy we get a discount on American Collectors Insurance for me collector truck.
Had it not been for “Karla” pointing out a couple of places I could add more coverage – zero deductible, that’s right “Zero”, for any accident. Karla saved me over $100, insuring my ’76 Ford Highboy. Thanks to a sweetheart of a pleasant soul “KARLA” we switched from Hagerty to American Collectors.
“The Claysons”, Shane Clayson
Their customer service is the best.
I can always get a real person and they are knowledgeable. I called them recently about a windshield glass claim and they said I was covered and no deductible. I was floored.
Had one other claim for Hurricane Sandy and they could not have been more professional. I highly recommend American Collectors to all my friends.
Ronald Murphy