American Modern Car Insurance Review for 2025 [See Policies & Prices Here!]
Our American Modern car insurance review shows rates starting at $92 per month for minimum coverage, with specialty policies for classic cars, RVs, and collector vehicles. It offers agreed value coverage, flexible policy terms, and strong financial backing tailored to niche vehicle owners.
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Table of Contents
Table of Contents
Insurance Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...
Tonya Sisler
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Daniel Walker
Updated May 2025
Explore our American Modern car insurance review with rates starting at $92 per month, built for classic, collector, and specialty vehicles across all 50 states.
American Modern Car Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 3.8 |
| Business Reviews | 4.0 |
| Claim Processing | 3.5 |
| Company Reputation | 4.0 |
| Coverage Availability | 5.0 |
| Coverage Value | 3.5 |
| Customer Satisfaction | 2.3 |
| Digital Experience | 3.5 |
| Discounts Available | 4.7 |
| Insurance Cost | 3.9 |
| Plan Personalization | 4.0 |
| Policy Options | 2.5 |
| Savings Potential | 4.1 |
Backed by A+ financial strength from A.M. Best, American Modern offers agreed value coverage, flexible terms, and protection tailored to non-daily-use cars.
Policies are issued through American Modern Home Insurance Company and its subsidiaries, with pricing that lets drivers compare car insurance rates by vehicle make and model.
- Specializes in coverage for vintage, exotic, replica, and custom-built vehicles
- Agreed value plans include protection for spare parts and limited-use vehicles
- Rates start at $92 per month, depending on vehicle type, use, and storage setup
With custom plans, restoration-friendly terms, and trusted underwriting, American Modern is a top choice for specialty vehicle owners. Enter your ZIP code to compare rates and find the right coverage.
American Modern Monthly Car Insurance Rates
This section provides a detailed breakdown of American Modern’s monthly car insurance rates, showing affordability across various coverage options. Read on to see AMIG Insurance’s collector car insurance rates and what affects them.
American Modern Car Insurance Monthly Rates by Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $307 | $526 |
| 16-Year-Old Male | $352 | $579 |
| 18-Year-Old Female | $278 | $501 |
| 18-Year-Old Male | $339 | $561 |
| 25-Year-Old Female | $183 | $349 |
| 25-Year-Old Male | $217 | $377 |
| 30-Year-Old Female | $141 | $289 |
| 30-Year-Old Male | $164 | $318 |
| 45-Year-Old Female | $113 | $238 |
| 45-Year-Old Male | $127 | $257 |
| 60-Year-Old Female | $96 | $212 |
| 60-Year-Old Male | $103 | $222 |
| 65-Year-Old Female | $92 | $207 |
| 65-Year-Old Male | $101 | $216 |
You will notice that American Modern car insurance prices are higher for males than for females, especially for teen drivers. However, rates decrease as the client ages, as older drivers drive more carefully than young drivers.
Aside from the vehicle type, coverage level, credit score, usage, and discounts, driving history is also included in the factors that affect car insurance rates with American Modern. So, having a safe driving habit is essential to keeping your premiums affordable.
American Modern Car Insurance Monthly Rates by State
| State | Minimum Coverage | Full Coverage |
|---|---|---|
| Alabama | $120 | $180 |
| Alaska | $110 | $170 |
| Arizona | $125 | $190 |
| Arkansas | $115 | $175 |
| California | $130 | $200 |
| Colorado | $140 | $210 |
| Connecticut | $150 | $230 |
| Delaware | $145 | $225 |
| Florida | $170 | $250 |
| Georgia | $135 | $205 |
| Hawaii | $125 | $195 |
| Idaho | $110 | $170 |
| Illinois | $120 | $190 |
| Indiana | $115 | $185 |
| Iowa | $105 | $160 |
| Kansas | $110 | $165 |
| Kentucky | $130 | $210 |
| Louisiana | $165 | $240 |
| Maine | $95 | $140 |
| Maryland | $140 | $215 |
| Massachusetts | $125 | $200 |
| Michigan | $180 | $280 |
| Minnesota | $135 | $205 |
| Mississippi | $120 | $180 |
| Missouri | $125 | $190 |
| Montana | $110 | $170 |
| Nebraska | $115 | $180 |
| Nevada | $145 | $220 |
| New Hampshire | $100 | $150 |
| New Jersey | $150 | $230 |
| New Mexico | $120 | $185 |
| New York | $160 | $240 |
| North Carolina | $115 | $170 |
| North Dakota | $105 | $160 |
| Ohio | $110 | $165 |
| Oklahoma | $125 | $190 |
| Oregon | $130 | $200 |
| Pennsylvania | $145 | $220 |
| Rhode Island | $150 | $230 |
| South Carolina | $130 | $200 |
| South Dakota | $110 | $165 |
| Tennessee | $115 | $175 |
| Texas | $140 | $210 |
| Utah | $120 | $185 |
| Vermont | $100 | $145 |
| Virginia | $110 | $165 |
| Washington | $125 | $195 |
| Washington, D.C. | $135 | $205 |
| West Virginia | $130 | $200 |
| Wisconsin | $105 | $160 |
| Wyoming | $110 | $165 |
AMIG Insurance also has different rates depending on the state because they have different threat levels, such as accidents per year or theft in the area.
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American Modern Car Insurance Policy Coverage
American Modern provides multiple types of insurance coverage specifically designed to properly protect your automobile. These are the types of coverage they provide:
American Modern Car Insurance Coverage Options
| Coverage | What it Covers |
|---|---|
| Liability | Others' bodily injury and property damage |
| Comprehensive | Non-collision damage |
| Collision | Damage from car accidents |
| Uninsured/Underinsured Motorist (UIM) | Underinsured drivers and hit-and-runs |
| Medical Payments (MedPay) | Medical bills for you and passengers |
| Recreational Vehicle (RV) Insurance | Damage to RVs, motorcycles, and ATVs |
| Roadside Assistance | Towing, flat tires, lockouts, and breakdowns |
| Custom Parts & Equipment (CPE) | Aftermarket parts and custom upgrades |
| Gap Insurance | Difference between car value and loan balance |
| Rental Reimbursement | Rental car costs after a covered claim |
American Modern offers collector car insurance, making it an excellent option for those with special coverage needs, including classic or specialty vehicles.
Collector car insurance protects a specific niche for which American Modern Insurance is known. Owning classic and vintage vehicles nowadays can be considered a luxury because not many insurance providers offer coverage for them and because of how hard it is to secure replacement parts for them.
Luckily, some companies like American Modern are willing to take on the challenge of providing peace of mind for people who have been collectors of cars from the past. Compare car insurance by coverage type online to get the best protection for your vehicle, save money, enjoy peace of mind, and preserve the value of your collector car.
American Modern Car Insurance vs. The Competition
A couple of factors set American Modern apart from competitors — American Modern specializes in insurance for collector and recreational vehicles that most standard providers, like Geico or Progressive, don’t offer.
Car Insurance Monthly Rates by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $87 | $228 |
 | $127 | $257 |
 | $76 | $198 |
 | $43 | $114 |
 | $96 | $248 |
 | $63 | $164 |
 | $56 | $150 |
 | $47 | $123 |
 | $53 | $141 |
 | $32 | $84 |
Finding the best classic car insurance can be challenging. Therefore, comparing American Modern car insurance quotes online is necessary to ensure you get the best protection for your collector vehicle.
Car Insurance Monthly Rates by Driving History
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $228 | $268 | $321 | $385 |
| $257 | $298 | $345 | $415 |
| $198 | $247 | $282 | $275 |
| $114 | $151 | $189 | $309 |
| $248 | $302 | $335 | $447 |
| $164 | $196 | $230 | $338 |
| $150 | $199 | $265 | $200 |
| $123 | $137 | $146 | $160 |
| $141 | $192 | $199 | $294 |
| $84 | $96 | $111 | $154 |
Its rates ($127 a month) are competitive for more specialized coverage, even if it doesn’t always beat the wider discounts available from companies like State Farm or Allstate when you bundle policies.
American Modern Car Insurance Discounts
American Modern Insurance offers many discounts, with savings ranging from 3% to 20%. This makes it an ideal company for classic car collectors looking to save on car insurance.
American Modern Car Insurance Discounts
| Discount Type | |
|---|---|
| Good Driver | 20% |
| Bundling | 10% |
| Defensive Driving | 10% |
| Family Plan | 10% |
| Good Student | 10% |
| Military | 10% |
| Multi-Vehicle | 10% |
| Anti-Theft | 5% |
| Early Signing | 5% |
| Green Vehicle | 5% |
| Low Mileage | 5% |
| Loyalty | 5% |
| New Vehicle | 5% |
| Pay In Full | 5% |
| Senior Driver | 5% |
| Student Away | 5% |
| Automatic Payment | 3% |
These discounts help drivers lower their premiums without compromising any crucial coverage. A safe driving record gets cheaper insurance rates, and the AMIG good driver discount offers 20% off car insurance.
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American Modern Insurance Ratings And Reviews
American Modern shines in its tailored policies and optional coverage, including agreed value for classic cars, which guarantees that vehicles are insured for their full appraised value. Mass-market providers tend to supply standard insurance, resulting in limited customization for niche owners.
American Modern Car Insurance Business Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: 825 / 1,000 Avg. Satisfaction |
 | Score: A+ Excellent Business Practices |
 | Score: 75/100 Good Customer Feedback |
 | Score: 1.10 Avg. Complaints |
 | Score: A+ Superior Financial Strength |
It has downsides, though — American Modern Insurance customer service is average since it likely doesn’t have as many comprehensive digital tools or 24/7 customer service as larger companies, which can be a downside for tech-forward or round-the-clock customers.
However, American Modern insurance reviews consumer reports still reflect strong satisfaction among specialty car owners. Yet for owners of specialty vehicles, American Modern offers a unique combination of price and customized coverage options that many big-name insurers can’t rival.
Pros and Cons of American Modern Car Insurance
Our American Modern car insurance review found many positives about this company, including niche coverage options for recreational and collector vehicles. These are the pros of choosing American Modern auto insurance:
- Specialized Coverage Options: Tailored insurance for unique or collectible vehicles.
- Agreed Value Coverage: Ensures full payout of a pre-agreed value in case of total loss.
- Customizable Policies: Flexible options to meet specific coverage needs.
However, its focus on specialized products comes with limited availability and a lack of nationwide service for certain offerings. Some negatives of its coverage:
- No Standard Auto Coverage: Might not cater to standard vehicle insurance needs.
- Limited Nationwide Product Availability: Coverage availability can vary by region.
Although American Modern does not offer the standard car insurance that other providers have, AMIG Insurance focuses on delivering collector car insurance for classic, vintage, and collector vehicles, starting at just $92 per month. One Yelp review praised the company’s fast claims process and friendly staff, noting that a check was issued just days after a quick inspection for water damage.
American Modern provides a unique balance of affordability and tailored coverage for owners of specialized vehicles that many larger insurers cannot match, and you can find free car insurance quotes online for your collector vehicle.
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Why Choose American Modern Car Insurance
American Modern car insurance review makes it clear this company isn’t for everyone—but if you own a classic, collector, or recreational vehicle, it’s one of the top choices out there. With agreed value coverage, flexible policy options, and strong financial backing, it stands out in a niche most insurers overlook.
Classic car insurance is designed and offered specifically for classic, vintage, antique, or collectible cars.
Brad Larson Licensed Insurance Agent
While it doesn’t offer standard auto insurance or advanced digital features, it fills a critical gap for specialty vehicle owners. If you’re looking for tailored protection and are comfortable trading some tech for focused coverage, American Modern is worth a serious look—especially if you know how to purchase the right car insurance quote online for your collector or classic vehicle.
Ready to shop around for the best car insurance company? Enter your ZIP code and see which one offers the coverage you need.
Frequently Asked Questions
How much does American Modern car insurance cost?
American Modern car insurance rates start at $92 per month for collector cars. Final costs depend on the vehicle’s age, location, coverage type, and how often the car is driven. Many customers find the rates reasonable for specialty protection.
Is American Modern a good choice for classic car insurance?
Yes, American Modern is often praised for its agreed value coverage, flexible mileage options, and restoration-friendly terms. Many policyholders say the coverage fits collector needs well and offers solid value for rare or vintage vehicles.
What does American Modern classic car insurance cover?
American Modern classic car insurance typically includes agreed value coverage, spare parts protection, towing, and coverage during restoration or storage. It’s designed for vehicles over 25 years old that are not daily drivers.
What do customer reviews say about American Modern’s claims experience?
Many customers on Yelp mention fast claims processing and helpful service for classic cars. Some reviews note delays or confusion when working through third-party agents, but overall, feedback is generally positive for specialty vehicle claims.
Is American Modern financially stable?
Yes, American Modern Insurance Group holds an A+ (Superior) rating from A.M. Best. This rating reflects its strong financial stability and ability to pay claims, which is important for policyholders insuring high-value classic and specialty vehicles.
How does American Modern compare to other classic car insurance companies?
Is American Modern a good option for insuring classic or collectible cars?
Yes, American Modern is highly rated for classic and collectible car insurance. It offers agreed value coverage, restoration protection, and flexible usage limits, making it ideal for rare, vintage, and non-daily-use vehicles that need specialized coverage.
Does American Modern offer insurance for RVs and motorcycles?
Yes, American Modern provides specialized coverage for RVs and motorcycles. RV policies can include total loss replacement, vacation liability, and full-timer options, while motorcycle coverage is tailored for seasonal or recreational use. Rates are based on usage, storage, and vehicle type.
What do customers say about American Modern collector car insurance?
Customers often praise American Modern for fair pricing, smooth claims handling, and coverage that reflects the true value of vintage cars. Many collectors value its tailored protection for rare models, though some mention limited digital tools and service hours.
Does American Modern offer insurance for everyday vehicles?
No, American Modern does not cover standard daily-use cars. It specializes in insuring classic cars, collector vehicles, RVs, and other specialty vehicles used occasionally or for recreation.
Does American Modern support any sustainability efforts?
American Modern is part of Munich Re, a global company with active environmental, social, and governance (ESG) initiatives. While sustainability isn’t a core part of American Modern’s branding, it benefits from Munich Re’s broader corporate responsibility programs.
How is the claims process with American Modern insurance?
Who owns American Modern Insurance?
How do customers rate American Modern’s customer service?
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