Hagerty's main customer service line is 1-800-922-4050

Hagerty Insurance operates a single national phone number for most customer inquiries: 1-800-922-4050. This line handles policy questions, claims reporting, billing issues, and general account management. The number is available during business hours, which are typically Monday through Friday, 8 a.m. to 6 p.m. Eastern Time, though hours may vary by season.

When you call, you will reach an automated system that routes you based on your reason for calling. Have your policy number ready if you have one — it speeds up the process. If you are calling about a claim, be prepared to describe the incident and provide the vehicle identification number (VIN) of the insured vehicle.

Key Takeaways

  • Hagerty's main customer service number is 1-800-922-4050, available Monday through Friday during business hours.
  • Have your policy number and vehicle VIN ready before calling to move through the automated system faster.
  • The automated menu will route you to the right department based on whether you are calling about a new policy, an existing account, or a claim.
  • For claims specifically, you can also report online through your Hagerty account portal if you prefer not to call.

What to expect when you call

The automated system will ask you to select from several options: new policy inquiries, existing policy questions, claims reporting, or billing. Listen to the full menu before selecting, as the options may differ slightly depending on when you call. After you select your category, you will either be transferred to a representative or directed to complete your request through the automated system.

Wait times vary depending on the time of day and season. Hagerty typically sees higher call volume during spring and early summer when collectors are preparing vehicles for the season. Calling early in the morning or mid-week often results in shorter waits than calling on Friday afternoons.

Reporting a claim by phone

If you need to report a claim, you can do so through the main number, but Hagerty also allows online claim reporting through your account dashboard. When you call to report a claim, have the following information ready: the date and time of the incident, a description of what happened, the location where it occurred, and the names and contact information of any other parties involved (if applicable).

The representative will assign a claim number and explain the next steps, which typically include submitting photos or a damage estimate. Most claims can be initiated over the phone in under 15 minutes, though the full resolution process takes longer depending on the type of damage and your coverage.

Billing and account questions

For questions about your premium, payment methods, or policy changes, the billing department can be reached through the same main number. You can also manage many billing tasks online through your Hagerty account without calling — updating payment methods, viewing your bill, or setting up automatic payments.

If you are calling to make a payment over the phone, have your payment method ready. Hagerty accepts credit cards and bank account information by phone. If you are calling about a missed or late payment, the representative can discuss your options and may be able to adjust your due date or set up a payment plan depending on your account history.

Alternative ways to reach Hagerty

Beyond the phone line, Hagerty offers other contact methods. You can log into your account online at hagerty.com and submit a message through your account portal — representatives typically respond within one business day. Hagerty also maintains a presence on social media (Facebook and Twitter), though these channels are generally slower for urgent issues.

For policy or coverage questions that are not urgent, email may be the best option. You can find the email address for your specific inquiry type on the Hagerty website under the "Contact Us" section. Email is also useful if you need to attach documents like photos of damage or proof of loss.

What Hagerty covers and why you might call

Hagerty specializes in insurance for collector vehicles, classic cars, and specialty automobiles rather than standard daily-driver coverage. Common reasons customers call include reporting damage from storage, asking about coverage limits for a vehicle being restored, or clarifying what is covered under their specific policy type.

If you are unsure whether your vehicle qualifies for Hagerty coverage or want to understand the difference between their various policy options, calling is often faster than reading through the website. The representatives are trained to explain coverage in plain language and can answer questions about deductibles, agreed value coverage, and what types of damage are included.

Frequently Asked Questions

Can I reach Hagerty on weekends or after 6 p.m.?

The main customer service line operates Monday through Friday during standard business hours. For urgent claims outside these hours, check your policy documents or the Hagerty website for after-hours claims reporting options, which may include an online portal or a dedicated claims line.

What if I don't have my policy number when I call?

You can still reach a representative, but the process will take longer. Have your driver's license number and the vehicle VIN ready instead. The representative will look up your account using this information, though it may add a few minutes to your call.

Is there a different number for new policy inquiries?

No — use the same main number (1-800-922-4050) for new policy questions. The automated menu will route you to the right department once you select "new policy" from the options. You can also request a quote online through the Hagerty website if you prefer.

How long does it take to report a claim over the phone?

Most claim reports take 10 to 20 minutes depending on the complexity of the incident. The representative will gather basic information and assign you a claim number. You will then submit photos or an estimate through the online portal or by mail, which is a separate process from the initial phone report.