Best Luxury Car Insurance Companies Of 2025

Are you considering insuring your luxury car and wondering which company treats it as the prized possession it is? You're not alone. When it comes to high-end vehicles, standard auto insurance often fails to provide adequate coverage. Whether you're driving a Bentley, a Porsche, or the latest Tesla Model S Plaid, standard coverage usually falls short in areas that matter: OEM parts, specialized repairs, or agreed-value coverage.

So, which insurance providers are stepping up in 2025 to give your car the protection it deserves—without burying you in fine print? Let’s take a road trip through the top luxury car insurance companies making headlines this year and why they’ve earned their spots.

When people talk about “white-glove” service in insurance, they’re often talking about Chubb. This is not your average insurance company—it’s the quiet giant that deals in art collections, yachts, and, yes, million-dollar vehicles.

Chubb's Masterpiece Auto Preference coverage is specifically designed for high-end vehicles. You get agreed-value coverage, which means that if your car is totalled, you're reimbursed the full amount you agreed upon when the policy was written—no depreciation deductions. They also cover original manufacturer parts and allow repairs at the dealership or speciality shop of your choice.

Owners of exotic, collector, or ultra-luxury cars who want total peace of mind and aren’t looking for budget deals.

Chubb often includes worldwide rental car coverage and roadside assistance with concierge-level service. Think of it like first-class insurance for a first-class machine.

PURE stands for Privilege Underwriters Reciprocal Exchange, and it lives up to that name by targeting high-net-worth individuals. Unlike most companies, PURE operates as a member-owned exchange—so policyholders are part of a shared risk pool with others who own homes, fine jewellery, jewellery, and, as you might guess, luxury cars.

PURE goes beyond standard policies. Their luxury car coverage includes agreed-value settlements, glass repair with no deductible, and accident forgiveness that doesn't spike your rates after a single claim. Additionally, they provide rapid claim response, often assigning a dedicated team member to assist throughout the process.

High-income families or individuals looking for holistic insurance—cars, homes, valuables—with the kind of service that feels more personal than corporate.

If you insure multiple assets with PURE, you receive prioritized claims processing and access to additional risk management benefits, including home safety consultations.

Hagerty specializes in classic and collector car insurance, technically speaking. However, in 2025, its coverage range has expanded to include newer luxury and high-performance vehicles, particularly those not used as daily drivers.

Hagerty’s entire model is based around car lovers. Coverage includes agreed value, flexible usage (including for shows and parades), and no fixed mileage limits for many tiers. The company also offers coverage for car collections, not just individual vehicles.

Drivers with a collector mindset—people who take their car out for a weekend cruise or keep it stored in a climate-controlled garage for 90% of the year.

Hagerty also offers club memberships, roadside service tailored to classic and luxury vehicles, as well as access to driving events. It's insurance plus community.

Cincinnati Insurance may not have the name recognition of big national players, but when it comes to luxury and collector cars, it quietly delivers exceptional value.

This insurer offers what is known as "Executive Capstone" policies, which bundle luxury auto with high-end home and personal liability coverage. For car owners, they provide agreed-upon value, OEM parts, and even coverage for diminished value—a significant benefit if your car loses its resale value after a repair.

Those looking to combine several assets under one umbrella policy and want strong protection without a flashy brand name.

Their customer support and agent network tends to be regional and relationship-driven—think of it like having a boutique service without the boutique price tag.

AIG's Private Client Group exists for one reason: to serve high-net-worth individuals who need insurance that is as seamless and tailored as their lifestyle. If you have a garage full of performance vehicles or a rare McLaren under a dust cover, this is the type of provider that knows what to do.

Ultra-high limits. Coverage for customizations. OEM parts guarantees. Agreed value without depreciation deductions. Worldwide coverage. You name it. AIG works with clients to create a plan that’s less “cookie-cutter” and more “custom-fit.”

People have more invested in their car collection than most people have in their homes.

They provide risk consultation and even transportation advice when you're shipping or storing vehicles overseas—the kind of insurance where a claim is the last thing you have to worry about.

If you’re still trying to compare your options, here are some of the key factors that separate the best from the rest:

Luxury car owners should avoid policies that pay "actual cash value," which takes into account depreciation. Go for "agreed value" policies that lock in the worth of your car upfront.

When your Bentley needs a new bumper, you don’t want a third-party replacement. Look for insurers who guarantee factory-original parts.

Some companies only cover generic body shops. Ensure your policy allows for repairs at certified dealerships or elite auto shops.

Frequent international travellers may want to ensure their policy protects them even when renting or driving abroad.

Flatbeds only. No chains or hooks. Make sure roadside assistance won’t damage your vehicle in the process of trying to help.

You didn't settle when picking your car—why settle for less with insurance? The best luxury car insurance companies in 2025 are combining cutting-edge policy features with human-level service, which is exactly what owners of high-value vehicles need. Take the time to obtain quotes and inquire about agreed-upon value, OEM parts, and custom repair options.

Your car deserves more than generic coverage. Give it the insurance that respects what it is—a machine of beauty, performance, and serious value.