Essentia Insurance Company Review (2025)

The classic muscle car in your garage may be the apple of your eye, but is it properly protected? All policies are not created equal, so If you want to take your vehicle to car shows or simply want to keep it safe at home, you’ll need more than a standard auto insurance policy. You’ll need to have the proper classic car coverage. Thankfully, Essentia Insurance Company reviews like this one can help you find the best company to assist you.

What is the Essentia Insurance Company?

Founded in 2007, Essentia primarily underwrites classic car insurance coverage for Hagerty. While it’s important to note that the Markel Corporation has acquired the Essentia Insurance Company and Hagerty, the relationship between Essentia and Hagerty hasn’t changed.

That being said, you can still obtain classic car insurance quotes through the Hagerty website, and any Essentia Insurance Company auto claims will be filed through the Hagerty site as well. You can also call 1-800-385-0274 for assistance. In addition, drivers can rest assured that any claim they file on an Essentia policy will be paid out.

Because of its association with the Markel Corporation, the Essentia Insurance A.M. Best rating is quite strong. It currently has an A rating.

You also will not need the Essentia Insurance Company address to mail in your insurance payments. Rather, you can make payments directly from the Hagerty website.

What coverages does the Essentia Insurance Company offer?

Since the Essentia Insurance Company writes policies for Hagerty, you would be able to obtain guaranteed value coverage and roadside assistance. You should bear in mind, though, that not every old car falls under the protection of classic car insurance. You can review this data table to discover which vehicles could be protected with an Essentia Insurance policy.

Drivers who aren’t certain if their car would be covered by a classic car insurance policy can call the Essentia Insurance phone number for more information or use free resources like a car collector’s compendium.

Does the Essentia Insurance Company have competitive rates?

An Essentia Insurance Company policy rate could start as low as $100 per month, but rates change depending on the value of your car and numerous other factors. Below, you can find the average rate of insurance in your state and determine how car insurance can fit into your budget.

Car Insurance Monthly Rates by State

Hagerty also offers a convenient online quote tool. However, when you request a quote, you’ll need to be prepared to share detailed information about yourself and your vehicle.

How can drivers reduce their car insurance rates?

Car insurance is a necessity that shouldn’t drain your bank account. As you shop for insurance, you can use this guide to find companies that can help you save on your rates:

Clearcover Car Insurance Discount by Provider

Insurance Company	Anti-Theft Device Discount	Multi-Policy Bundling Discount	Defensive Driver Discount	Good Driver Discount	Good Student Discount	Military Discount	Multi-Vehicle Discount	New Car Discount	Paperless Discount	Pay-in-Full Discount	Safe Driver Discount
	10%	25%	10%	25%	20%	5%	25%	15%	10%	10%	22%
	25%	25%	5%	25%	20%	15%	20%	10%	20%	20%	15%
	10%	20%	20%	30%	15%	10%	20%	5%	10%	10%	30%
	25%	25%	15%	26%	15%	10%	25%	10%	10%	10%	25%
	35%	25%	10%	20%	15%	10%	25%	15%	12%	12%	25%
	5%	20%	10%	40%	15%	20%	20%	10%	15%	15%	10%
	25%	10%	31%	30%	10%	12%	12%	20%	15%	15%	30%
	15%	17%	15%	25%	25%	5%	20%	10%	15%	15%	30%
	10%	13%	20%	10%	8%	8%	8%	10%	10%	10%	25%
	15%	10%	5%	30%	10%	10%	10%	20%	15%	15%	15%

Discounts aren’t the only way that you can lower your rates. Having a “safety first” mindset can help you maintain a clean driving record, which will convince insurance companies that you are a low-risk driver who deserves lower rates.

What You Need to Know About the Essentia Insurance Company

While Essentia and Hagerty are both owned by the Markel Corporation, you can still file Essentia Insurance claims through the Hagerty website. If you purchase an Essentia policy, you can file claims and view your policy documents via the Hagerty website. Classic cars need to be protected, and a policy from the Essentia Insurance Company could provide the protection you need if you own a classic or antique vehicle.