How we make this list: we compare pricing pages, product documentation and public user reviews. Ratings come from G2, Capterra or Trustpilot, with the date we checked them.
Key takeaways
- Hagerty suits restorations, with automatic value increases every three months and restoration coverage during rebuilds.
- Grundy suits comprehensive coverage with unlimited mileage, at $345 per year for a 1967 Camaro in one guide.
- American Collectors suits multiple classics, with flexible policies and the best mileage plans in one guide.
- American Modern suits broad classic coverage, with the fewest restrictions on car types in one guide.
- J.C. Taylor suits low rates, at $389 per year for a 1967 Camaro in one guide.
- Chubb Masterpiece suits high-net-worth collector cars, with no mileage limit and OEM-parts repair in guides.
- Allstate suits flexible policies for modified cars, ranked number 1 for modified cars in one guide with a 25 percent bundling discount.
- State Farm suits local agents for modified cars, with a 17 percent bundling discount in one guide.
- Disclose every modification to your insurer: undisclosed mods can void coverage, and agreed value beats actual cash value for modified cars.
Quick comparison
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The best insurance company for modified cars
Starting priceSee website
Free planNo
Hagerty suits restorations, with automatic value increases every three months, ensuring a vehicle's value keeps pace with market appreciation, plus restoration coverage during the rebuild process. Its standout features include an OEM parts guarantee for authentic restoration, choice of repair shop even out of state or overseas, $1,500 spare parts coverage, total loss settlements with zero deductible, and no strict mileage restrictions for casual drivers in one guide, though another guide lists a 7,500-mile annual limit. Its 2 million-plus collector cars insured make it the volume leader, with seasonal driver options up to five months of driving per year and motorsports coverage for race car owners.
Its 7,500-mile annual limit in one guide conflicts with no-strict-mileage claims in another, and its $542 per year Camaro quote exceeds Grundy. Hagerty fits classic car restorers and collectors who want value growth with market appreciation. This article is general information only, not financial advice, and rates vary by vehicle, modifications, state, and storage.
What we like- Automatic 10 percent value increase every quarter up to $25,000 annually
- Restoration coverage during rebuilds
- 2 million-plus collector cars insured
Watch out for- 7,500-mile annual limit in one guide
- $542 per year for a 1967 Camaro in one guide
- Eligibility and garaging rules
Starting price$345 per year
Free planNo
Grundy suits comprehensive coverage with unlimited mileage, delivering exceptional value for owners who want to truly enjoy their classics. Its comprehensive offerings include unlimited mileage for total driving freedom, trip interruption coverage for road trips, roadside assistance, coverage for restoration shops, museums, and dealers, classic boat coverage, and umbrella liability protection. Its $345 per year quote for a 1967 Camaro in one guide is the cheapest among the companies compared there, and its cost-leader status in another guide reflects the cheapest premiums with unlimited mileage on hobby use.
Its specialty focus covers vehicles over 25 years old, though muscle cars and exotics are covered regardless of age, and garaging rules apply. Grundy fits classic car owners who want broad coverage with no mileage restrictions.
What we like- Unlimited mileage for hobby use
- Cheapest Camaro quote at $345 per year
- Trip interruption coverage
- Roadside assistance included
Watch out for- Vehicles over 25 years focus, though muscle cars and exotics covered regardless of age
- Eligibility and garaging rules
Starting price$468 per year
Free planNo
American Collectors suits multiple classics, with the best mileage plans in one guide and the fewest restrictions on car types beside American Modern, Hagerty, and J.C. Taylor. Its flexible policies cover almost every classic type, including modified street rods, kit cars, replicas, and restoration cars, with inflation guard and roadside assistance in guides. Its $468 per year Camaro quote sits between Grundy and Hagerty in one guide.
Collector-focused eligibility and garaging rules apply, and its Camaro quote exceeds Grundy. American Collectors fits owners with multiple classics who want flexible mileage plans.
What we like- Best mileage plans in one guide
- Fewest restrictions on car types
- Flexible policies
- Inflation guard and roadside assistance
Watch out for- $468 per year for a 1967 Camaro in one guide
- Collector-focused eligibility
- Garaging rules
Starting priceSee website
Free planNo
American Modern suits broad classic coverage, ranked best overall in one guide with the fewest restrictions on car types beside American Collectors, Hagerty, and J.C. Taylor. Its coverage spans antiques, replicas, modded classics, hot rods, kit cars, and military antiques, suiting owners whose modified cars fall outside narrow categories. Its broad eligibility makes it a strong pick for unusual modified vehicles.
Pricing is not published in guides, and collector-focused eligibility and garaging rules apply. American Modern fits owners who want the broadest classic coverage with few restrictions.
What we like- Fewest restrictions on car types
- Best overall in one guide
- Covers antiques, replicas, modded classics, and hot rods
Watch out for- Pricing not published in guides
- Collector-focused eligibility
- Garaging rules
Starting price$389 per year
Free planNo
J.C. Taylor suits low rates, with a $389 per year Camaro quote in one guide and unlimited mileage in another guide's mileage table. Its fewest-restrictions status beside American Collectors, American Modern, and Hagerty covers antiques, replicas, modded classics, hot rods, kit cars, and military antiques. Its low rates suit owners who want agreed value coverage at a lower annual price than Hagerty.
Collector-focused eligibility and garaging rules apply, and its smaller profile trails Hagerty. J.C. Taylor fits owners who want low rates with broad classic coverage.
What we like- $389 per year for a 1967 Camaro in one guide
- Unlimited mileage in one guide
- Fewest restrictions on car types
Watch out for- Collector-focused eligibility
- Garaging rules
- Smaller profile than Hagerty
Starting priceSee website
Free planNo
Chubb Masterpiece suits high-net-worth collector cars, with no mileage limit, OEM-parts repair, and the strongest claims handling on six- and seven-figure cars in guides. Its agreed-value policies suit owners whose cars appreciate rather than depreciate, since standard auto insurance pays actual cash value minus depreciation, which is the wrong number for an appreciating vehicle. Its high-net-worth carrier status covers the most valuable collector cars.
Eligibility is the most restrictive in guides, typically 30-plus years old or limited-production, and pricing is not published. Chubb fits high-net-worth owners who want the strongest claims handling for valuable collector cars.
What we like- No mileage limit
- OEM-parts repair
- Strongest claims handling on six- and seven-figure cars in guides
- Agreed value
Watch out for- Most restrictive eligibility, typically 30-plus years or limited-production
- Pricing not published
- High-net-worth focus
Starting priceSee website
Free planNo
Allstate suits flexible policies for modified cars, ranked number 1 for modified cars in one guide with a 25 percent bundling discount and an A-plus rating. Its flexible policies suit daily-driven modified cars that do not qualify for collector policies, since collector policies usually bar daily commuting. Its wide agent network and bundling discounts suit owners who insure home and auto together.
Pricing for modified cars is not published in guides, and standard valuation may undervalue heavily modified cars without agreed value endorsements. Allstate fits daily-driven modified car owners who want flexible policies with bundling discounts.
What we like- Ranked number 1 for modified cars in one guide
- 25 percent bundling discount
- A-plus rating
- Flexible policies
Watch out for- Pricing not published in guides for modified cars
- Standard valuation may undervalue modified cars
- Add-ons increase cost
Starting priceSee website
Free planNo
State Farm suits local agents for modified cars, with a wide network of local agents for personalized service, a 17 percent bundling discount in one guide, and an A-plus-plus rating. Its local agent model suits owners who want an agent to confirm modified coverage in person, since some companies will not cover modified parts under full coverage. Its summary ranking as best for modified cars in one guide reflects its agent network and discount options.
Classic options vary by state, and standard valuation may undervalue modified cars without agreed value endorsements. State Farm fits modified car owners who want local agents and bundling discounts.
What we like- Local agents for personalized service
- 17 percent bundling discount in one guide
- A-plus-plus rating
- Best for modified cars in one summary
Watch out for- Classic options vary by state
- Standard valuation may undervalue modified cars
- Modified coverage needs agent confirmation
How we chose
We ranked companies on agreed value coverage, mileage limits, car-type breadth, rates, claims handling, and 2026 guide consensus, weighting agreed value over actual cash value for modified cars, since standard policies pay depreciated value. Collector specialists scored on agreed value and mileage freedom, while standard carriers scored on daily-driver fit and bundling. Prices come from 2026 published guides, including LendingTree Camaro quotes, with conflicts flagged. Every company here runs a live auto insurance business in 2026 with a public site.
How to pick an insurance company for modified cars
Start with use, since it decides the shortlist. Hobby-only modified classics suit Hagerty, Grundy, American Collectors, American Modern, J.C. Taylor, or Chubb Masterpiece with agreed value, while daily-driven modified cars suit Allstate or State Farm with standard policies plus agreed value endorsements where available. Collector policies usually bar daily commuting and require enclosed garage storage, so confirm use rules before buying.
Next, disclose every modification to your insurer, since undisclosed mods can void coverage and some companies will not cover modified parts under full coverage. Get an updated agreed value appraisal after major mods, since restomod classics need documentation and a revised agreed value to cover the build cost. Compare quotes across two or three companies, since Camaro quotes run $345 at Grundy to $542 at Hagerty in one guide, and classic policies generally run $120 to $500 per year, or $300 to $600 per year for a $50,000 to $150,000 vehicle, against $1,500 to $3,000 for daily-driver coverage on a comparable new vehicle. Finally, confirm OEM parts coverage, repair shop choice, spare parts coverage, and total loss deductible terms, since those details decide claim outcomes for modified cars. This article is general information only, not financial advice, and rates vary by vehicle, modifications, state, and storage.
Frequently asked questions
Does standard car insurance cover modified cars?
Standard policies often cover the car but not the full value of modifications, and some companies will not cover modified parts under full coverage. Disclose every modification and ask about agreed value endorsements for heavily modified cars.
What is agreed value insurance?
Agreed value means you and the insurer decide the car's value when the policy starts, and that full amount is paid if the car is totaled or stolen. It beats actual cash value, which pays replacement cost minus depreciation, for appreciating modified cars.
Can I drive a classic modified car every day?
No, classic car insurance usually does not allow daily commuting, limiting driving to weekends, shows, events, or pleasure use. Daily-driven modified cars need standard policies from carriers like Allstate or State Farm.
How much does modified car insurance cost?
Classic policies run $120 to $500 per year in guides, or $300 to $600 per year for a $50,000 to $150,000 vehicle, with Camaro quotes from $345 at Grundy to $542 at Hagerty in one guide. Daily-driver modified coverage costs more, with Farmers full coverage at $205 per month in one guide.
Do I need garage storage for classic car insurance?
Yes, nearly all insurers require enclosed garage storage to qualify for classic car insurance and to reduce theft and weather damage risks. Confirm storage rules before buying, since violations can void coverage.
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Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
Shihab Mia · Founder, Rankite
Shihab has 5+ years in B2B and SaaS SEO. He writes Rankite's software buying guides from pricing pages, documentation and public user reviews. More about Shihab.
Hagerty
Grundy
American Collectors
American Modern
J.C. Taylor
Chubb Masterpiece
Allstate
State Farm