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Specialty Vehicle Coverage

Exotic & Luxury Car Insurance

Standard auto insurance won't cover your supercar's true value. Compare specialty insurers offering agreed value, track day protection, and worldwide coverage.

Top Specialty Insurers

Agreed value coverage for exotic, classic, and collector vehicles

H

Hagerty

#1 Collector Car Insurance

4.9

12,400 reviews

Agreed Value Coverage
Track Day Protection
Spare Parts Coverage
Automotive Community

Best For

Collector & Classic Cars

Starting At

From $250/year

G

Grundy

Specialty Vehicle Insurance Since 1947

4.8

8,900 reviews

Agreed Value
No Deductible Option
Trip Interruption
Towing & Labor

Best For

Exotic & Modified Cars

Starting At

From $300/year

C

Chubb

Premier Luxury Vehicle Coverage

4.7

5,600 reviews

Worldwide Coverage
Original Parts Guarantee
Rental Reimbursement
Concierge Claims

Best For

High-Value Luxury Vehicles

Starting At

Custom Quote

A

AIG Private Client

Tailored Coverage for High-Net-Worth Individuals

4.6

3,200 reviews

Unlimited Mileage
Multi-Vehicle Discounts
Family Fleet Coverage
Risk Consulting

Best For

Multi-Car Collections

Starting At

Custom Quote

Coverage Types Explained

What makes exotic car insurance different from standard auto policies

Agreed Value

You and the insurer agree on the car's value upfront. If totaled, you receive the full agreed amount — no depreciation.

Best for collector & exotic cars

Track Day Coverage

Specialized protection for high-performance driving events, track days, and autocross. Standard policies exclude these.

Essential for performance driving

Worldwide Coverage

Drive your exotic car anywhere in the world with full protection. Includes international shipping coverage.

For global travelers

Spare Parts & Tools

Covers rare parts, specialized tools, and automobilia in your collection. Often overlooked but critical.

Complete collection protection

Protect Your Investment

Exotic cars deserve exotic coverage. Don't let a standard policy leave you underinsured when it matters most.