American Collectors Insurance Review

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Contributor, Benzinga
December 14, 2022

American Collectors Insurance offers unique coverage for car collections of all sizes that is sure to please any car aficionado. It offers several benefits with its coverages, including coverage for vehicles in restoration and flexible policies so you don’t pay for more than you need. The insurer offers policies for other types of collections as well, including comic book collections, toy collections and sports memorabilia collections. 

You can receive a free online quote from this insurer by submitting a quick form on its website. That will give you an estimated annual premium, and you can adjust the quote after you’ve submitted it. The insurer’s website also offers other useful tools, including a valuation tool to help you determine the value of your vehicles.


Best For
  • People with high-value vehicles
  • People who like to restore antique vehicles
  • Specializes in providing insurance for car collections
  • Offers customizable policies with flexible mileage limits
  • You can get a free quote on its website
  • Agreed Value policies
  • Furniture, fine art or jewelry not covered
  • Varied coverage by state

American Collectors Insurance Ratings at a Glance

If you collect classic, sport or antique cars, you know the importance of insuring your investment. And you've likely run across American Collectors Insurance in your search. Learn more about this insurer in our American Collectors Insurance Review.

Benzinga’s American Collectors Insurance Overall Rating

American Collectors Insurance provides insurance coverages primarily for car and other vehicle collections. As an insurer that specializes in this type of collectors insurance, it has several benefits that are especially attractive to car collectors. These benefits include agreed-value policies, flexible mileage limits and spare parts coverage. Pricing for its insurance policies is fair, and it’s easy to get an online quote in just a few minutes. For support, the company offers live chat, email, phone and in-person options. 

That being said, there are some things that you won’t find from American Collectors Insurance. It does not offer a mobile app, so accessing your policy information requires using a web browser or calling the company if you have questions. American Collectors Insurance does offer collectors insurance policies for other types of collections, such as stamps and coins. It does not offer coverage for other collections, including fine art and jewelry. 

American Collectors Insurance Coverage Options

American Collectors Insurance offers 6 different types of coverage:

  • Classic car insurance: coverage designed around the car collector’s lifestyle
  • Classic truck and utility vehicle insurance: coverage for classic trucks and utility vehicles that can be used while the vehicles are being restored
  • Modified car and hot rod insurance: provides coverage for street rods, restored and modified vehicles and custom cars being restored
  • Exotic car insurance: coverage designed for imported collector vehicles
  • Antique and classic motorcycle insurance: coverage designed for antique and vintage motorcycles (a note: you may have to apply for special licensing for antique cars in some states, like in Texas.)
  • Popular collectibles insurance: provides coverage for some non-car collections, such as stamps, coins, comic books, toys and sport memorabilia

If you’re a car or motorcycle collector, American Collectors Insurance can likely give you everything you’re looking for in your collector’s insurance policy. For other collections, the coverage offered by this insurer is hit or miss. It cannot provide coverage for every type of collection and does not cover furniture, fine art or jewelry collections at all.

American Collectors Insurance Customer Service

American Collectors Insurance makes its agents available in a few different ways. It offers a live chat feature Monday through Saturday that is easily accessible. You can start a live chat by clicking on the “Let’s Chat! We’re Online” button that’s on the bottom corner of the insurer’s website. For less urgent needs, you can also send an email to the customer service team at any time of day. 

For those who prefer to speak to someone, you can call the customer service and claims phone line from Monday through Saturday. If you happen to be near American Collectors Insurance’s corporate office in Cherry Hill, New Jersey, you can even stop in to speak with someone in person. 

American Collectors Insurance has the following customer service ratings:

  • Trustpilot reviews: 4.9
  • Facebook reviews: 4.9
  • Google reviews: 4.9
  • Yelp reviews: 3.0

Customer Pricing

American Collectors Insurance makes it relatively easy to get a quote online. To test out the feature, Benzinga requested a quote for a 1935 vehicle worth approximately $100,000. The estimated annual premium is $702.75. For a 1965 vehicle worth $18,000, the estimated annual premium is $179.40.

To receive the final premium, you need to go through the application process or call one of the Collector Insurance Specialists. These quotes are rough examples, and the premium for any vehicle will be based on factors including the coverage types and amounts you choose.

Mobile App

American Collectors Insurance does not have a mobile app.

User Benefits

American Collectors Insurance specializes in car collections, so most of its benefits are geared toward this specific type of collection. This provides several incentives for car collectors seeking coverage:

  • Flexible mileage allowances protect your car when it’s being driven to car shows and/or taken out on the occasional Sunday drive.
  • Discounts are available for members of collector car clubs.
  • Discounts are available for larger collections and high-value vehicles over $250,000.
  • Newly acquired and qualifying collectible vehicles are automatically covered for up to 30 days if the new vehicle was purchased during the policy term. 
  • The agreed-value policies mean that if your vehicle is damaged in a covered accident, you’ll be paid the full agreed-upon value of the car at the time that the policy was written with no deduction for depreciation.
  • Policyholders are covered for up to $500 for loss or damages to spare parts at no additional cost.
  • Customizable coverage allows you to choose the deductible and liability limits that work best for you.
  • The agents are collector specialists with a passion for and knowledge of car and vehicle collections. 
  • Coverage is available for collector vehicles throughout the duration of restoration projects.
  • You can add the Collector’s Choice enhancement to receive coverage for items being shipped, stored outside of your residence or for times when they’re used for special occasions.
  • If you’re interested in a comprehensive towing and labor expense reimbursement plan for your collector cars, you can add the Collector Auto Reimbursement Endorsement (C.A.R.E.) plan. This plan reimburses you for emergency expenses such as towing, roadside assistance and lock outs.

User Experience

American Collectors Insurance has an easy-to-navigate website with features that can benefit any user who is considering its products. The website is full of useful information, including a valuation tool to help you determine the value of your vehicles. The online quote feature is also very useful because it takes only minutes and does not require you to call to finish the quote, though you can call if you want assistance. The live chat tool only enhances the user experience by giving you access to knowledgeable agents who can give you answers in real-time. 

American Collectors Insurance Vs Competitors

American Collectors Insurance is unique in that it specializes in insuring a variety of car collections. This gives it a leg up among its competitors when it comes to car collections, simply because this is an insurer that focuses on providing the best value and services for car collectors. 

Get Started With American Collectors Insurance

If you’re interested in insuring your collection, you can start by getting a free online quote. You can use these quotes to compare your options and find the coverage that fits the needs of you and your collection. Getting a quote does not obligate you to purchase a policy from American Collectors Insurance.

Frequently Asked Questions


What types of vehicles can American Collectors Insurance insure?


This insurer provides coverage for a variety of vehicles. This includes antique and classic cars, trucks, motorcycles, muscle cars, street rods, replicas, antique fire trucks, military jeeps, antique tractors and more.


Are there any driver qualifications that I have to meet?


Drivers (or operators) or the vehicle must have a minimum of 5 years of licensed driving experience, a good driving record and 1 regular-use vehicle for every licensed driver in the household. There is a limit of 2 moving violations per household of at-fault accidents within the last 3 years. Any 1 person cannot have more than 1 moving violation or at-fault accident within the last 3 years.


Is it a good idea to insure a classic car?


If you own a classic car, it is important to insure it in case it becomes damaged or stolen.

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