American Collectors Insurance vs Hagerty Insurance
When it comes to protecting your collector car, American Collectors Insurance puts your peace of mind first. Our policies are designed around real-world scenarios collectors actually face, so you’re covered not just on paper, but when it matters most.
As you compare American Collectors Insurance to Hagerty’s insurance, consider the unexpected events that can happen to any collector, from natural disasters to mechanical breakdowns or coverage for a newly purchased vehicle. These moments require more than basic protection. That’s where American Collectors Insurance stands out, with Agreed Value policies that include key coverages upfront, backed by service and expertise dedicated exclusively to collector vehicles.
Customer Service Ratings
American Collectors Insurance provides you with knowledgeable collector specialists as well as industry-leading personal attention/service in the classic car industry. As of 09/2/2026, American Collectors Insurance was the highest rated provider of collector car insurance, outperforming Hagerty Insurance on several top customer review sites, including Forbes Advisor.
Compare Hagerty Insurance vs American Collectors Insurance in Customer Service Ratings:
| Hagerty Insurance | American Collectors Insurance | |
| Trustpilot Reviews | 4.6 / 5 stars | 4.9 / 5 stars |
| Google Reviews | 4.7 / 5 stars | 4.9 / 5 stars |
| Better Business Bureau (BBB) | 1.24 / 5 stars | 4.83 / 5 stars |
| Facebook Reviews | Reviews Removed | 96% Recommended |
| Forbes Advisor | 4.5 / 5 stars | 5.0 / 5 stars |
Company Facts
American Collectors Insurance has specialized exclusively in collector car insurance since 1976, making us one of the first companies dedicated to protecting the collector car hobby, years before other providers, such as Hagerty, began writing classic car insurance. While some competitors increase rates with club memberships and lifestyle perks, American Collectors Insurance focuses strictly on coverage, offering personalized Agreed Value policies with no required fees or unnecessary add-ons so you pay for protection, not perks you didn’t ask for.
Compare Hagerty Insurance vs American Collectors Insurance in experience in the collector car industry:
| Hagerty Insurance | American Collectors Insurance | |
| Year Founded | 1984 | 1976 |
| Additional Non-Insurance Membership Program Costs (Optional) | Drivers Club: From $70 & Up | No Membership Fee |
Claims Policies
Both American Collectors Insurance and Hagerty Insurance provide an “Agreed Value” policy, which ensures that you will receive your full policy limit for a covered total loss (less any applicable deductible).
American Collectors Insurance offers a more flexible claims experience than many collector policies. You can choose your own repair shop and towing or roadside provider, helping you get back on the road faster with the people you trust. In addition, filing a claim does not automatically increase your renewal premium, regardless of fault or claim type.
Compare Hagerty Insurance vs American Collectors Insurance in claims policies:
| Hagerty Insurance | American Collectors Insurance | |
| Policy Limit (Settlement Terms on “Total Loss” Claims) | Guaranteed Value | Agreed Value |
| Allows Roadside Assist Reimbursement? | $0 included in policy, increase to $100/Occurrence with Drivers Club | $50 included in policy, increase to $250/Occurrence with Titanium CARE package |
| Will a claim increase future renewal premiums? | Maybe | No |
Additional Coverages
American Collectors Insurance includes valuable additional coverages to benefit classic car collectors, including:
Newly Acquired Vehicle Coverage: up to $100,000 or the highest valued car on the policy, (whichever is less) of automatic coverage for a newly acquired qualifying vehicles at no additional cost.
Disaster Relocation Coverage: Provides up to $250 per collector car in reimbursement for qualifying disaster related expenses, such as temporary storage, fuel for evacuation, or towing, with reimbursement issued upon submission of applicable receipts
Towing/Roadside Assistance Options: Select from your choice of C.A.R.E. coverage bundles, starting at only $9.95
Inflation Guard: In the event of a covered total loss to your collector car, Inflation Guard adjusts the Agreed Value limit of the vehicle up to 6% max. (only available in approved states)
| Hagerty Insurance | American Collectors Insurance | |
| Newly Acquired Vehicles Coverage Limit | up to $50,000 | up to $100,000 |
| Evacuation Coverage | 50% of Expense (up to $250 / vehicle) | 100% of Expense (up to $250 / vehicle) |
| Cost of Evacuation Coverage | Additional $5 / Vehicle | No Charge |
| Towing Coverage Cost | Drivers Club: From $70.00 & Up | C.A.R.E. Bundle: Starts at $9.95 |
| Inflation Guard Available? | On Signature Services Group Policies | Yes 2% per quarter (up to 6% Max)* |
| Cost of Inflation Guard? | Unknown | No Additional Charge Available only in states where Inflation Guard coverage is approved. |
Vehicle Underwriting
Both American Collectors Insurance and Hagerty Insurance have a broad underwriting appetite for collector cars including: classic cars, newer collectibles, resto-mods, newer exotic vehicles, collector trucks/SUVs, classic motorcycles, and modified cars.
Compare Hagerty Insurance vs American Collectors Insurance in Vehicle Eligibility:
| Hagerty Insurance | American Collectors Insurance | |
| Collector, antique, and classic cars | Yes | Yes |
| 1980 and newer collector vehicles | Yes | Yes |
| Resto-mods | Yes | Yes |
| Newer exotic vehicles | Yes | Yes |
| Collector trucks and SUVs | Yes | Yes |
| Classic motorcycle and scooters | Yes | Yes |
| Motorsports vehicles | Yes | No |
| Modified cars | Yes | Yes |
| Are vehicles Under Restoration Eligible? | Yes | Yes |
| Cost of Restoration Coverage | Rates subject to change | No Additional Charge |
At first, it may seem difficult to compare American Collectors Insurance with Hagerty Insurance; both companies are long-established classic car insurance companies and both offer provide insurance to cover many of the unique needs of the car collector.
American Collectors Insurance includes many of these key, collector car specific coverages at little to no additional charge, simplifying your choices while, at the same time, providing extensive coverage at an affordable price.
Still not sure how we compare? Give us a call at 888‑465‑8518 and let us show you how we can better protect your classic.
No obligation, no commitment.