Classic Trucks & 4x4’s
Classic Truck Insurance for Off-road and On
Coverage Built for Classic Trucks & 4x4's
Classic truck and 4x4 insurance covers vehicles built to work that are now collected, restored, and still used. On paper, a restored Dodge Power Wagon and a worn-out work truck look identical to a standard carrier, and depreciation prices them the same. Collector coverage values the truck you actually have.
What Qualifies as a Classic Truck or 4x4
Square-bodies, early Broncos, FJ40s, Power Wagons, farm trucks that outlived the farm. Restored or honest survivor, both qualify. What matters is that itisn't the truck you take to job sites, it's stored securely, and it's driven for enjoyment. Dirt roads and mud included. If yours is a concours restoration that hasn't seen weather since the paint cured, that's covered the same way.
What Classic Truck and 4x4 Insurance Covers
Agreed Value
Agreed Value sets your truck's number in writing, so a restored F-100 is never valued like a work truck of the same year. We settle it with you before the policy starts, which is the only way a forty-year-old truck gets priced on what's actually been done to it.
Emergency Roadside Assistance
Up to $150 a year, with your choice of provider. That last part matters, because you already know which flatbed operator can load your truck without breaking something. When you're 90 miles out with a fuel pump that quit, you want to call your person, not a dispatcher.
Shop of Choice
We don't assign anybody. If your guy specializes in square-bodies and works out of a metal building with a hand-painted sign, that's where the truck goes. OEM parts keep the repair correct while it's there.
Why Get classic truck & 4x4 Insurance from OpenRoad
We write specialty vehicles only, so nobody questions why a forty-year-old truck is worth what it's worth. Quotes take minutes. And when you need us, a person answers the phone. We don't just say we care. 88% of clients surveyed would recommend us to a friend. After a claim, 97% would. Most insurers dread that survey. We don't.
There's Nothing Standard About Our Coverage
Because there’s nothing standard about your vehicle.
We’re collectors too, which is why we include all the protections you care about most.
All the Coverage,
None of the Hassle.
Every classic car insurance policy includes agreed value coverage, OEM parts, your choice of repair shop, and tools & spare parts protection. Standard, not upsold.
Service that Actually
Feels like Service.
Everybody says it. Almost nobody delivers it. We answer the phone when you call, and we stay on it until you have what you need. 88% of clients surveyed would recommend us to a friend. 97% after a claim. Our Google rating is 4.9. Real service, from real people who love cars.
Premium Protection
Without the Premium Price.
As collectors ourselves, we built the coverage we'd want on our own cars. The price reflects limited miles and secure storage, because that's how these cars are owned.
Our Coverages
Your vehicle is far more than the sum of its parts. Which is why our coverage is tailor made for collectors and enthusiasts.
Agreed Value Coverage
Agreed value coverage guarantees you and OpenRoad agree on your car's value upfront, so you're paid that exact amount in the event of a total loss. No depreciation, no surprises.
Tools & Spare Parts Coverage
$1,000 of comprehensive coverage for your insured vehicle’s spare parts and tools.
Additional Coverages
We cover all the details you care about: replacement windshields, OEM parts, repairs at the shop of your choice, even the expense of an emergency evacuation.
Optional Coverages
Let you retain your sentimental salvage in the case of a wreck, and cover vehicles under construction.
Serious Coverage.
Simple Process.
Start your quote in minutes and see how much you could save.