Auto Liability Protection
Hit the Road with OpenRoad!
Superior Coverage & Better Prices!
The Road to Better Coverage & Savings!
The Collector Auto Insurance You Need at a Price You'll Love
The Road to Better Coverage & Savings!
The Collector Auto Insurance You Need at a Price You'll Love
Imagine having a team of auto enthusiasts guiding you through every aspect of your auto insurance. That’s what you’ll get with OpenRoad. Our program was built from the ground up by a team of collector vehicle and insurance experts, all with the auto enthusiast in mind.
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Press Coverage
The Media is Buzzing!
Hit the Road with OpenRoad!
The right coverage for your classic
Vehicles We Cover
Vehicles We Cover
Collectible Cars & Trucks
We cover many different types of collector vehicles including antiques, classics, muscle cars, modern sports cars, street rods, replicas, as well as custom cars & trucks. We even provide coverage for antique fire trucks, amphicars, military vehicles, and antique tractors! We’ll consider many other types of vehicles as well, so please be sure to contact us if you have questions about qualifying for our program.
We cover many different types of collector vehicles including antiques, classics, muscle cars, modern sports cars, street rods, replicas, as well as custom cars & trucks. We’ll consider many other types of vehicles as well, so please be sure to contact us if you have questions about qualifying for our program.
Why OpenRoad
RATED: A+ SUPERIOR
It’s important to have quality coverage you can count on for when the unexpected happens. With an A+ Superior rating from AM Best*, OpenRoad coverage leaves nothing to chance.
How We Compare: The Choice is Clear
With OpenRoad you’ll enjoy superior coverage across all the standard auto insurance protections as well as a suite of coverages built specifically for collector cars.
How We Compare: The Choice is Clear
With OpenRoad you’ll enjoy superior coverage across all the standard auto insurance protections as well as a suite of coverages built specifically for collector cars.
Coverages
Uninsured/ Underinsured Motorist
Personal Injury & Medical
Comprehensive & Collision
Collector Vehicle Expert Support
Agreed Value Coverage
Repairs with OEM Parts
Shop of Choice Repairs
Tools & Parts Coverage
Evacuation Expense Coverage
Under Construction Coverage
Roadside Reimbursement
No Deductible Windshield
Limited Fraud Coverage
Standard Insurance
Coverage Built for Collector Vehicles
OpenRoad coverage includes many protections not available with your standard auto insurance, protections you actually need.
Coverage Built for Collector Vehicles
OpenRoad coverage includes many protections not available with your standard auto insurance, protections you actually need.
Agreed Value Coverage
Insuring your ride for what it’s really worth. Coverage for your vehicle based on a predetermined value that takes into account the vehicle’s rarity, condition, and historical significance.
Shop of Choice & OEM Parts
OpenRoad ensures repairs are done right. Enjoy zero deductible windshield replacements as well as repairs performed with OEM parts and at the shop of your choice.
Roadside Reimbursement
Reimbursement for emergency services like towing, lockout support, and evacuation expenses. You can hit the road with confidence knowing you're protected.
Spare Parts & Tools Coverage
Our base policy includes coverage for loss or damages to spare parts as well as for your car cover or car bra from theft, vandalism, or a covered accident.
With All the Standard Protections
You’ll also enjoy superior coverage across all the standard auto insurance protections, but at a price you'll love.
With All the Standard Protections
You’ll also enjoy superior coverage across all the standard auto insurance protections, but at a price you'll love.
Collision Coverage
Covers damage to your vehicle due to a collision with another object, such as another car, a tree, or a guardrail, regardless of who is at fault.
Uninsured & Underinsured
Protects you if you're in an accident with a driver who does not have insurance, or when the at-fault driver has insufficient insurance to cover damages.
Comprehensive Damage
Covers damage to your vehicle caused by events other than collisions, such as theft, vandalism, natural disasters, or falling objects.
Personal Injury Coverage
Auto Personal Injury Protection is insurance that pays for medical expenses and, in some cases, other costs resulting from a car accident.
OpenRoad is Rolling Out Coverage Across the U.S.
Select your state for details
OpenRoad is Rolling Out Coverage Across the U.S.
Select your state for details
Subscribe and get notified when coverage becomes available in your state.
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Frequently Asked Questions
What kinds of vehicles does OpenRoad insure?
OpenRoad covers many different types of collector vehicles including antiques, classics, muscle cars, modern sports cars, street rods, replicas, as well as custom cars & trucks. We even provide coverage for antique fire trucks, amphicars, military vehicles, and antique tractors. We’ll consider many other types of vehicles, so please be sure to contact us if you have questions about qualifying for our program.
What kinds of discounts are available?
With OpenRoad you’ll already save over standard auto insurance, but many classic and modern collector vehicle owners are often eligible for additional discounts. Are you a car club member? Chances are your membership makes you eligible for a 5% discount. Transferring coverage to OpenRoad from another classic or collector car insurance provider? You’re also eligible for a 5% discount. For more information, visit our Available Discounts page under the Insurance tab in our main website navigation.
Are there mileage limits?
OpenRoad Insurance offers a modern take on classic and modern collector vehicle insurance with policies designed to fit the unique needs of their owners. This means our policies are built to accommodate occasional use. Taking a cruise or commuting to work on a sunny day? Go for it! Occasional use is great, but our policies are not intended for your regular use daily driver. That's why our insurance rates are typically so much lower than standard insurance.
What does Agreed Value Coverage mean?
Agreed Value Coverage allows OpenRoad and the policyholder to agree upon a predetermined value for the insured vehicle while setting up a policy. Unlike standard auto insurance policies that may use depreciated vehicle values to determine payouts in the event of a claim, Agreed Value Coverage ensures that the policyholder will receive the agreed-upon value for their collector vehicle in cases of a covered loss, like from theft, accidents, or damage. You can learn more about this coverage by visiting Our Coverages page under the Insurance tab in our website navigation.
What is Vehicle Under Construction Coverage?
The OpenRoad Vehicle Under Construction Endorsement covers vehicles being built or restored. This endorsement provides extra protection for vehicles under construction, covering their increasing value as well as offering coverage for automotive tools and spare parts, subject to specific limits and conditions. You can learn more about this coverage by visiting Our Coverages page under the Insurance tab in our website navigation.
Can I sign up with OpenRoad through my insurance agent?
Yes, absolutely! Insurance Agents & Brokers are great partners when it comes to finding the best coverage for their clients. We strongly encourage all owners to work with their agent if they are uncertain about what would be the right insurance protections for their unique situation. Chances are we already work with your agent or broker, but if not, we’d be happy to talk to them. Just tell them you’re interested in hitting the road with OpenRoad!