Classic & Collector Car Insurance in California — Your Car Is Worth More Than Book Value.
Standard auto insurance depreciates your classic. Hagerty pays the full agreed value — no depreciation, no argument. As an authorized Hagerty agent, Stonecrest gets you covered in minutes.
The #1 Collector Car Insurer in the World
Hagerty has insured collector vehicles for over 35 years. As an authorized Hagerty agent, Stonecrest keeps you as the Agent of Record — you get Hagerty's specialized coverage with a local agent who knows your car.
- Agreed value — full payout, zero depreciation
- Flexible usage — pleasure, shows, and club events
- Spare parts coverage included
- Breakdown coverage on the way to car shows
- Rates typically far below standard auto insurance
Opens Hagerty's secure quote system. Stonecrest remains your Agent of Record.
What Vehicles Qualify for Collector Car Insurance?
Classic car coverage is built for vintage vehicles — typically 25 years or older. Muscle cars, pre-war coupes, classic trucks, vintage motorcycles, and European sports cars from eras past all qualify. Modern exotics, limited-production cars and restoration projects qualify too — see collector cars below.
Muscle Cars
Camaro, Mustang, Chevelle, Challenger, GTO, Road Runner — American muscle from any era qualifies for agreed value coverage.
Classic American Cars
Pre-1980 American automobiles of all makes and models — sedans, convertibles, wagons, and hardtops.
Exotic & European Classics
Vintage Ferrari, Porsche, Jaguar, Alfa Romeo, and Mercedes — European classics 25+ years old. Modern exotics like the Ferrari 488, McLaren and Ford GT are covered below.
Classic Trucks & Pickups
Vintage Ford, Chevy, and Dodge trucks are among the most popular collector vehicles in California — fully eligible for Hagerty coverage.
Resto-Mods & Customs
Classic body with modern upgrades — engine swaps, updated suspension, custom interiors. Hagerty insures the vehicle at its true modified value.
Vintage Motorcycles
Classic and vintage motorcycles, vintage racing bikes, and collectible mopeds are all eligible for Hagerty collector coverage.
Modern Exotics, Restorations & Track Cars
Collector car coverage isn't limited to vintage vehicles. If the market values it as a collectible, Hagerty can insure it at its true worth — whatever its age.
Exotic Sports Cars
Ferrari, Lamborghini, McLaren, Porsche — high-value exotics that depreciate differently from standard vehicles and deserve specialized agreed value coverage.
Limited Production Vehicles
Low-volume production runs, special editions, and factory performance packages that have appreciated — or held value — above standard depreciation curves.
Investment-Grade Modern Cars
Certain modern vehicles appreciate rather than depreciate — GT500s, GT-Rs, Z06s, limited Porsches. If your car is worth more than you paid, standard insurance isn't adequate.
Vehicles Under Restoration
Project cars, barn finds, and vehicles mid-restoration deserve coverage too. Hagerty covers the vehicle at its current value with the ability to update as restoration progresses.
Race and Track Cars
Purpose-built race vehicles and high-performance track cars that don't fit standard auto underwriting. Hagerty has specialty programs for competition vehicles.
Agreed Value vs. Actual Cash Value — It Matters More Than You Think.
Standard auto insurance pays "actual cash value" — what a claims adjuster decides your car is worth on the day it's totaled. For a classic, that number is almost never what your car is actually worth to you or to the market.
Hagerty's agreed value means you and Hagerty agree on the insured value upfront. If your 1969 Camaro Z/28 is insured for $85,000 and it's stolen, you receive $85,000 — period. No depreciation. No negotiation. No adjuster telling you your car is worth $42,000.
Get Covered at Agreed Value →- Pays "actual cash value" after depreciation
- Adjuster determines value after a loss
- No spare parts coverage
- No car show breakdown protection
- Rated for daily commute use
- Underwriters don't understand collector value
- Full agreed value — no depreciation
- Value locked in at policy start
- Spare parts coverage included
- Breakdown coverage to/from shows
- Flexible pleasure/show/event usage
- Underwriters who are car people
Get Covered in Three Steps
Stonecrest's Hagerty Express Link makes quoting fast — enter your vehicle details, get a real quote, and we stay as your Agent of Record throughout.
Click the Quote Link
Use our personalized Hagerty Express Link — it opens Hagerty's secure quoting system with Stonecrest pre-loaded as your agent.
Enter Your Vehicle Details
Describe your vehicle, how it's stored, how you use it, and set your agreed value. Takes about 5 minutes.
Review & Bind
Review your quote and bind coverage online — or call us at (916) 576-4000 and we'll walk you through it together.
Classic Car Insurance — Frequently Asked Questions
What qualifies as a classic car for insurance purposes?
Most classic car insurers, including Hagerty, consider vehicles 25 years or older as classics. However, collector car insurance can also cover exotic vehicles, muscle cars, vintage trucks, resto-mods, and high-value modern collector vehicles regardless of age. The key factor is that the vehicle is maintained as a collectible rather than used as a primary daily driver.
What is agreed value coverage and why does it matter?
Agreed value means you and the insurance company agree on the full insured value of your vehicle at the time you take out the policy. If your car is totaled or stolen, you receive that full agreed amount — no depreciation, no argument. Standard auto insurance pays "actual cash value," which depreciates your vehicle and almost never reflects what a collector car is actually worth on the market.
Can I drive my classic car every day and still get collector car insurance?
Collector car insurance is designed for vehicles that are not used as primary daily transportation. Hagerty policies include flexible usage for pleasure driving, car shows, club events, and occasional trips — but are not intended for commuting or regular daily use. If you drive your classic regularly, your agent can help you find the right coverage structure.
How much does classic car insurance cost in California?
Classic car insurance is typically significantly less expensive than standard auto insurance. Many California collectors pay $200–$800 per year depending on the vehicle's agreed value, usage, storage conditions, and the owner's driving record. Vehicles stored in a locked garage and driven fewer than 5,000 miles per year qualify for the best rates.
Does Hagerty cover spare parts and car show expenses?
Yes. Hagerty policies include coverage for spare parts stored at your home, and many policies include coverage for car show entry fees and travel expenses if your vehicle breaks down on the way to a show. These are benefits standard auto policies do not offer.
Do modern cars qualify for collector car insurance?
Yes. Many modern vehicles qualify for collector car insurance, including limited-production vehicles, exotic sports cars, high-performance vehicles, and cars that have appreciated significantly in value. Hagerty insures vehicles of all years as long as they are maintained as collectibles rather than used as primary daily transportation.
What happens if my collector car is totaled or stolen?
If your vehicle is declared a total loss or stolen and not recovered, Hagerty pays the full agreed value stated in your policy — no depreciation, no negotiation, no haggling with an adjuster over what the car is 'really worth.' You receive exactly the amount you agreed to insure it for when the policy was written.
Can I insure a vehicle I am actively restoring?
Yes. Hagerty offers coverage for vehicles under restoration, including protection for the vehicle in its current state and for parts and materials on hand. Coverage can be updated as the vehicle's value increases through the restoration process. Talk to your agent about structuring coverage for a project vehicle.
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