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If you’re a hot rod owner, you know that keeping your car in mint condition requires much more than a new coat of wax. Nationwide has teamed up with Hagerty, the leader in classic car insurance, to offer hot rod insurance coverage you can rely on. Learn more about what modified car insurance policies cover.

How does custom car insurance cover my hot rod?

Power, speed, style. These are just a few of the things your custom car symbolizes to you. With a car like that, you need more than just the standard auto policy. Learn about our specific coverages below.

Collision coverage

Although classic cars aren’t for daily use, accidents can still happen. Whether it’s a collision with another vehicle or another object, your classic car policy could reimburse you for the damages.

Theft

In the unfortunate event that your classic car is stolen, collector car insurance can cover you up to the Guaranteed Value® of your vehicle.

Comprehensive coverage

You want to ensure that your classic is protected even when it's not on the road. Comprehensive coverage ensures that your vehicle is protected from unexpected damages such as fire, theft, vandalism and more.

Liability coverage

Available for full coverage policies, liability insurance will cover injuries to other people, known as bodily injury, to put toward their medical expenses, funeral expenses, lost income, etc. It also covers damage to property, such as a person’s car or the fence in someone’s yard, among other things.

Hot rod and modified car insurance

Here are a few features that make our custom car insurance best in class.

Guaranteed Value®  

With agreed value car insurance, there are no surprises or disputes over the vehicle value. That’s because the value of your car is agreed upon before the policy goes into effect. In the event of a total loss, you’re guaranteed that amount. Unlike standard car insurance, there typically is no deductible  and no depreciation in the value.

Policy terms

Unlike standard auto policies, your hot rod insurance will last for 12 months, which is less hassle for you.

Repair shop of choice

When it comes to repairing your hot rod, it’s worth it to be choosy. That’s why we let you decide who should do the work.
No mileage limits

Custom cars aren’t intended for everyday use, but that doesn’t mean you can’t have fun when you want to. Unlike other companies, you can drive your hot rod as many miles as you want, with no fixed mileage restrictions.2

Low premiums

Classic car insurance can be up to 42% less expensive than insuring your vehicle on a regular auto policy.3 Why? Because you don’t drive your hot rod every day, there is reduced risk of an accident or damage. Spend your money on customizing your ride, not on your insurance.
[1] Less any deductible and/or salvage value if the vehicle is retained.
[2] Occasional pleasure use does not mean use for daily driving to and from work or school, routine shopping, etc.
[3] Figure based upon 2017 consumer data collected by Hagerty on single quotes, with premiums $5,000 and under, from several daily driver auto insurance carriers.

Vehicles depicted are the property of actual customers. Any third-party trademarks or brands are the property of their respective owners. Their inclusion here is provided for informational purposes only, and does not constitute an endorsement of any third party by Nationwide. Nor does it imply, directly or indirectly, any sponsorship or affiliation between Nationwide and such third parties.

Products underwritten by Essentia Insurance Company. All coverage is subject to policy provisions, exclusions and endorsements. Some coverage may not be available in all states. All third-party names, trademarks and logos are property of their respective owners. Hagerty and Guaranteed Value are trademarks of The Hagerty Group, LLC.