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Hagerty Car Insurance
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Freelance writer
About Hagerty Insurance
Hagerty Insurance is a specialist insurer and arguably among Canada’s most important providers. It is not directly competing with many P&C carriers but is instead offering a bespoke range of products. The company specializes in products for classic, rare, and collector vehicle insurance.
Formed in Michigan in 1984, Hagerty Insurance has become the leading provider for owners of vehicles that are not covered by traditional auto insurance solutions. The company debuted in Canada in 2009 and was welcomed with open arms by collectors of classic and rare vehicles.
Indeed, Hagerty Canada quickly established itself as the leading classic and collector car insurance company in the country. Thanks to its unique agreed value policy, the company has become hugely popular and has among the best customer satisfaction scores among P&C insurance providers.
In Canada, the company works with Aviva Canada to underwrite its policies. Since arriving in 2009, Hagerty Insurance has widened its reach and is now available in the following provinces:
- Alberta
- Ontario
- Nova Scotia
- British Columbia
- Prince Edward Island
- Newfoundland and Labrador
- Manitoba
- Saskatchewan
Hagerty Insurance boasts offering stock original replacement parts in the event of a claim, to ensure the investment is covered and the car is restored to its former self. The company even has a parts specialist on staff to hunt down rare and hard to find vehicle parts.
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Recent auto insurance quotes from Hagerty Insurance
Recent auto Insurance Quote from Etobicoke, Ontario
Male, 41 years old
2024 LEXUS NX350 4DR AWD
October 30, 2026
Cheapest Quote
$ 189 / month
$ 2,265 / yearAverage Quote
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$ 4,148 / yearSavings
$ 157 / month
$ 1,883 / year
45 %
Recent auto Insurance Quote from Hamilton, Ontario
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2018 DODGE/RAM CHARGER SRT 4DR
October 30, 2026
Cheapest Quote
$ 680 / month
$ 8,158 / yearAverage Quote
$ 873 / month
$ 10,481 / yearSavings
$ 194 / month
$ 2,323 / year
22 %
Recent auto Insurance Quote from Deseronto, Ontario
Male, 48 years old
2026 CHEVROLET SILVERADO 2500 HD LT CREW CAB 4WD
October 30, 2026
Cheapest Quote
$ 221 / month
$ 2,648 / yearAverage Quote
$ 268 / month
$ 3,214 / yearSavings
$ 47 / month
$ 566 / year
18 %
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What can Hagerty Insurance offer?
Collectors, and collections, come in all shapes and sizes. At Hagerty Canada we cater to those collections with specialized insurance for many different types of vehicles including:
- Classic and collector cars
- 1980 and newer collector vehicles
- Collector trucks and SUVs
- Collector boats
One of the amazing benefits of insurance through Hagerty Canada is the Guaranteed Value™ solution. If a covered total loss occurs to your vehicle, you’ll receive every dollar of the car’s insured value without depreciation (Less any deductible; MB & SK: and after settlement with your government policy. Includes any applicable taxes unless prohibited by law. AB & QC: Agreed value applies under the Guaranteed Value Plus Endorsement.).
The added difference is that regular car insurance carriers offer Actual Cash Value or Stated Value coverage, which may depreciate the value of your vehicle in the event of a claim, resulting in a smaller payout than you anticipate.
Also, because classic or collectible cars are not ‘every-day drivers’ we offer insurance premiums based on flexible usage. Some traditional insurance providers may restrict the amount of driving you do to control how and when you drive your car. We don’t. Generally, our premiums are 54% lower than premiums on your everyday car.
With membership comes privileges, and this is no less true for Hagerty Canada’s Drivers Club. The club offers members:
- Complimentary subscription to Hagerty Drivers Club magazine (six issues per year)
- Premium access to Hagerty Valuation Tools
- Invites to members-only events and experiences
- Automotive discounts
- Top-of-the-line roadside service
- Hagerty Carcierge – car experts on call to answer member questions
- Membership to the Historic Vehicle Association
There are three levels to the Hagerty Canada’s Drivers Club – 1st Gear for $55 per year, 2nd Gear for $80 per year, and 3rd Gear for $200 per year.
For more on each Gear’s benefits visit here.
Hagerty Insurance Contact Information
Address: 5 Via Renzo Drive Suite 100 Richmond Hill, Ontario L4S 0J6
Phone (auto insurance): 1-800-762-2628
Phone (Marine insurance): 1-800-762-2628
Claim phone: 1-888-384-4545
Frequently asked questions about Hagerty Insurance
Everything you need to know about Hagerty Insurance is here...
What company owns Hagerty?
Hagerty was launched in 1984 by Frank and Louise Hagerty after they could not find good insurance coverage for their wooden boats. In 2021, the company went public and merged with Aldel Financial. Hagerty Canada is owned by Hagerty.
Why Hagerty insurance so cheap?
Insurance purchased through Hagerty Canada is cheaper than insuring collectible or classic cars at traditional providers because of flexibility. Hagerty offers more customized rates depending on the vehicle and amount of time you spend driving it.
Does Hagerty require an appraisal?
Hagerty typically does not require appraisals. If they need further documentation supporting a vehicle's value, they will contact the vehicle owner during the underwriting process.
Does Hagerty cover daily drivers?
According to the company website, all household members with a valid driver's licence must have a regular-use vehicle for daily driving, covered with regular-use insurance in that driver's name.
Joel Kranc, Freelance writer
Joel Kranc is a freelance writer and content provider who has worked with Rates.ca since 2019. He holds an MA in political science from the University of Toronto and a film certificate from New York University.
He has been published in and worked for such companies as CNN, Rogers Media, Institutional Investor Magazine, The Globe and Mail, Infrastructure Investor, BenefitsPRO Magazine, Global Finance Magazine, With Intelligence, the CPP Investment Board, Hospitals of Ontario Pension Plan, and many more financial services and industry publications.
He is the author of "Retirement Planning in 8 Easy Steps," which, when released in 2015, was No. 11 on the Publisher's Weekly US Bestseller List for Business and Finance, beating out Mark Cuban's "How to Win at the Sport of Business."
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