Grundy Auto Insurance Review: Flexible Auto Insurance Policies for Classic Cars

Grundy auto insurance is a good fit for drivers with classic or collectible vehicles. Its policies offer rare protections tailored to these types of vehicles in addition to all the standard coverage required to drive legally. Read our full Grundy car insurance review below to learn about everything it has to offer.

Best for vehicles with increasing valueGrundy

Rating image, 4.00 out of 5 stars.

4.00/5

Bottom Line

Grundy is worth a closer look for drivers who are interested in insuring classic cars. Its policies are flexible and comprehensive, and it offers some rare perks many other auto insurers don't.

Pros

Agreed value coverage on all vehicles
No mileage restrictions for pleasure driving on collector cars
Comprehensive coverage
No deductible in most states

Cons

Cannot just insure an everyday vehicle
Collector vehicles must be kept in a garage

Full Grundy auto insurance review

Jump To

Monthly premium costs

Customers on Trustpilot report that Grundy auto insurance rates are pretty affordable compared to other classic car insurers. However, there's not a lot of information about how its rates stack up to traditional auto insurance companies. Drivers interested in learning what Grundy can offer them will have to call the company as there is no online quote tool.

Discounts

Grundy doesn't advertise any auto insurance discounts, but the company manages to offer pretty affordable rates anyway. Drivers can also keep their costs down by purchasing only the coverage they need and working to maintain a clean driving record.

Coverage

Policy types

ATVs/UTVs
Collector cars
Exotic cars
Motorcycles
Regular-use vehicles
RVs
Trailers

Grundy's primary niche is collector vehicles, and drivers can't purchase a policy from them unless they have at least one classic car to insure. But the company also insures many other common types of vehicles for those who want to manage everything in one place.

Coverage types

150% replacement coverage
Bodily injury liability coverage
Breakdown assistance
Cash settlement option
Collision
Comprehensive
Emergency living expenses
Full glass coverage
New vehicle replacement
Original equipment manufacturer (OEM) parts
Personal injury protection (PIP)
Personal property
Pet coverage
Property damage liability coverage
Rental car reimbursement
Underinsured motorist coverage
Uninsured motorist coverage
Waiver of deductible

Grundy has a fairly comprehensive list of endorsements to help drivers customize their policies. It also offers all protections mandated by state law.

Customer service and ratings

Since Grundy Insurance isn't a traditional auto insurer, it hasn't featured in any large-scale auto insurance surveys, like those conducted by J.D. Power.

The company currently has an A+ rating with the Better Business Bureau (BBB) and a 4.6 out of 5 from Trustpilot. These ratings are pretty high, suggesting most customers are happy with the service they receive from Grundy.

Other insurance available

Grundy classic boat insurance
Grundy homeowners insurance
Grundy personal excess liability insurance
Grundy special collections insurance

Grundy doesn't offer as many other types of insurance as some of its competitors but this isn't surprising since it's a specialty insurer. It does offer homeowners insurance policies so it could still be a good fit for drivers looking to bundle their home and auto coverage.

Alternatives to consider

2024 Award Winner

Best for price conscious consumersGeico

Rating image, 4.50 out of 5 stars.

4.50/5

Get a Quote

Read our Geico review

2024 Award Winner

Best for bundling coverageState Farm

Rating image, 5.00 out of 5 stars.

5.00/5

Get a Quote

Read our State Farm review

For drivers interested in scoring an affordable rate on their regular vehicles: Geico is worth a closer look. The company sells insurance policies in all 50 states, and its premiums are usually pretty affordable. It doesn't sell classic car insurance directly, but it makes this available through its partner insurers for those who are interested.

For drivers seeking to insure all their vehicles with a well-known company: State Farm is a great pick. The company offers affordable rates on all types of vehicles, and offers agreed value coverage like Grundy on classic cars. It also offers classic car insurance through a partnership with Hagerty in some states. But it's missing some of the policy endorsements that Grundy offers.

Grundy auto insurance summary

Grundy auto insurance could be a good fit for drivers who:

Are looking to insure a classic vehicle, either on its own or alongside everyday vehicles
Don't want to limit themselves to a certain number of miles driven each year
Have a garage where they can keep their classic car when not in use

Otherwise, drivers may want to give Geico or State Farm a closer look.

Review sources

Our auto insurance rating methodology

At The Motley Fool Ascent, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.

This device is too small