Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 13, 2022

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Just the Basics

  • The Essentia Insurance Company writes classic car insurance policies
  • The Markel Corporation owns Essentia Insurance
  • You can shop for classic car insurance quotes online

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.

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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.

Cars Likely Covered by Classic Car InsuranceVehicles Likely Not Covered by Classic Car Insurance
Antique Cars Camping, Off-road, or Utility Vehicles
Classic CarsVehicles Driven Daily
Classic Trucks and Utility VehiclesCommercial-Use Vehicles
1980 or Newer VehiclesMotorcycles With Performance Modifications
Modified Vehicles Vehicles Modified With Nitrous Components
Motorsports VehiclesDune Buggies
Classic Military Vehicles
Retired Commercial Vehicles
Collector Trailers
Antique Tractors
Vintage Motorcycles and Scooters
High-Value Vehicles and Collections
Vehicles Under Construction
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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.

Average Annual Car Insurance Rates by State
StateAverage Annual Car Insurance Rates
Alabama$868.48
Alaska$1,027.75
Arizona$972.85
Arkansas$906.34
California$986.75
Colorado$981.64
Connecticut$1,151.07
Delaware$1,240.57
District of Columbia$1,330.73
Florida$1,257.13
Georgia$1,048.40
Hawaii$873.28
Idaho$679.89
Illinois$884.56
Indiana$755.03
Iowa$702.46
Kansas$862.93
Kentucky$938.51
Louisiana$1,405.36
Maine$703.82
Maryland$1,116.45
Massachusetts$1,129.29
Michigan$1,364.00
Minnesota$875.49
Mississippi$994.05
Missouri$872.43
Montana$863.52
Nebraska$831.02
Nevada$1,103.05
New Hampshire$818.75
New Jersey$1,382.79
New Mexico$937.59
New York$1,360.66
North Carolina$789.09
North Dakota$773.30
Ohio$788.56
Oklahoma$1,005.32
Oregon$904.83
Pennsylvania$970.51
Rhode Island$1,303.50
South Carolina$973.10
South Dakota$766.91
Tennessee$871.43
Texas$1,109.66
Utah$872.93
Vermont$764.02
Virginia$842.67
Washington$968.80
West Virginia$1,025.78
Wisconsin$737.18
Wyoming$847.44
Countrywide$1,009.38
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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:

Car Insurance Discounts by Company
Car Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Anti-Theftxxx252025x15xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Engaged CoupleN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Fast 5N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Garaging/StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axxx5x35N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
LoyaltyN/AxN/AxN/A5xN/AN/Ax
MarriedN/AN/AN/AN/AxxxxN/Ax
Membership/GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryxN/Ax154N/AN/AxN/Ax
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Non-Smoker/Non-DrinkerN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
OccupationxN/Axx1015N/AN/AxN/A
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
RenterN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
VolunteerN/AxN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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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.

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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.