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Grundy Insurance Reviews

Grundy Insurance provides classic car insurance offerings for drivers and has solid customer service ratings and reviews from customers and experts.

Car driving down the road
Grundy Classic Car Insurance
In Our Opinion:
Grundy Insurance is a great provider for classic vehicles. The company has financial strength and high ratings from experts.
Industry Standing
Customer Service
Online Experience
Great for collector cars
Choice of repair shop
No mileage restrictions
Coverage in 49 states
Coverage meant for classic vehicles
Not ideal for basic auto insurance
Weak online experience
Overall Rating

Affiliate disclosure: Automoblog and its partners may be compensated when you purchase the products below.

Choosing a reputable car insurance provider for your classic vehicle is important. That’s why we’re looking at Grundy classic car insurance reviews. In this article, we’ll review Grundy classic car insurance coverage, cost, and more. We’ll also explain the differences between getting classic auto insurance from one of the industry’s best car insurance and cheapest car insurance companies or choosing a specialty insurance provider.

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Grundy Classic Car Insurance Reviews

Grundy classic car insurance reviews show that the provider’s coverage and customer service are some of the best in the industry. The provider enjoys overall positive ratings from industry experts like the Better Business Bureau (BBB), which rates companies based on their business ethics and customer service, and AM Best, which scores companies based on their financial capabilities to pay out customer claims.

Is Grundy Insurance Good?

Grundy Insurance is one of the most prominent classic car insurance providers. With more than seven decades in the industry, Grundy is recognized by customers for its affordable car insurance rates, as well as knowledgeable and professional customer service staff.

Grundy Insurance Rating

Grundy Insurance has an A+ rating from the Better Business Bureau (BBB), and Philadelphia Insurance Companies, its underwriter, has an AM Best rating of A++. The insurer also has 4.5 stars on Trustpilot, with more than 900 Grundy classic car insurance reviews.

Grundy Insurance Customer Reviews

Grundy car insurance reviews are mixed overall. Positive customer reviews discuss cheap rates for classic car insurance coverage compared with competitors and excellent customer service. On the other hand, negative Grundy reviews mention issues renewing policies and problems with claims.

Below are a few Trustpilot reviews from customers.

Positive Grundy Insurance Reviews

“The process was straightforward and handled electronically when I decided to start my coverage. The whole process was easy, friendly, and very professional.”

– Steven H., Trustpilot

Negative Grundy Insurance Reviews

“Horrible experience. Hard to navigate and fill out paperwork. Finally wrapped it up, sent them a check, and then they [sent] me a rejection letter. I email asking why, they provide lame details after much delay.”

– Peter W., Trustpilot

Many of the company’s negative reviews are specific to the driver’s unique situation. We recommend doing all of your research before making a decision.

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Grundy Insurance Company Overview

Grundy Insurance has been in service since 1947 and is a member of Philadelphia Insurance Companies. The provider specifically offers coverage for antique and collector vehicles and regular-use automobiles, collector boats, valuable collections, and fine homes.

The most important thing to note about Grundy Insurance is that it is not a direct insurance provider. Its policies are underwritten by partners like Philadelphia Insurance Company.

Grundy Classic Car Insurance Coverage

Grundy covers vehicles 25 years and older, as well as muscle cars and exotics of all cars. Your car does not have to be a classic vehicle to receive coverage. Grundy even has coverage options for boats, including yachts and sailboats. Grundy classic car insurance is available in all states except for Louisiana.

Under a Grundy classic car insurance plan, one liability payment can cover all of your vehicles. Here is an overview of standard coverage if you are insured under Grundy:

  • Liability limits up to $1,000,000: Liability limits are the maximum amount of money your insurer will pay for an accident that you are responsible for. With liability insurance, you are covered in the event that you cause injury or property damage to another driver.
  • Comprehensive and collision insurance: Comprehensive car insurance provides coverage for non-collision damage to your car. Collision insurance covers damage to your vehicle after an accident
  • Personal injury protection (PIP): Many states require drivers to carry PIP that covers any damages or injuries sustained by you in the event of a collision.
  • Uninsured/underinsured motorist coverage (UM/UIM): UM/UIM will repair your car after a collision with a motorist who doesn’t have insurance or who doesn’t have enough insurance to cover the cost of the damages.

Grundy Car Insurance Options

Below are some of the other types of coverage you can get with a classic car insurance policy:

Grundy Classic Car Insurance CoverageCoverage Details
Full agreed value guaranteedAgreed value insurance involves you and your insurance company assessing your car to determine it’s worth. In the event of a total loss, that price will be reimbursed to you in full.
Spare parts inventory coverage up to $500This insurance covers spare parts, repair parts, service parts, or replacement parts up to $500. These parts are kept in an inventory to be used in the event of a repair.
Trip interruption up to $600If you need to cancel a trip for a covered reason like a car breakdown, trip interruption insurance will reimburse you up to $600.
Towing and labor up to $250Grundy classic car insurance will cover the cost of towing and labor up to $250 in the event of a breakdown or malfunction.
Inflation guardInflation guard increases the value of your policy along with the increase in the value of your car.
Automatic coverage on newly acquired vehiclesWhen you get a new car, Grundy will automatically cover it. There’s no need to go through the application process again.
Uninterrupted coverage during repairsGrundy will protect your car while your car is in the shop.

Grundy MVP

Grundy’s Motor Vehicle Program (MVP) allows you to group all of your vehicles into one policy. This can include your collector cars as well as daily vehicles, trucks, trailers, and more. Combining all of your vehicles into one plan ensures there are no gaps in coverage, and it’s one of the reasons many drivers choose Grundy, according to Grundy classic car insurance reviews.

Here are the coverage highlights for Grundy’s MVP:

Grundy MVPCoverage Details
Agreed value protection for all vehiclesGrundy will work with you to determine the value of your vehicle(s). If a total loss occurs, you will receive the full amount that was agreed upon.
150% replacementIf a vehicle loss occurs and the current market value exceeds your coverage limit, you can be reimbursed for up to 150% of the insured amount.
Breakdown assistanceGrundy will cover the cost to have your vehicle towed to the repair shop of your choice. It will also cover the costs associated with emergency roadside assistance, with no deductible.
Transportation expenseGrundy will reimburse you for a rental car.
Emergency living expensesIf your car breaks down far from home, you can be reimbursed for lodging and related expenses.
Original equipment manufacturer partsIf available, only original equipment manufacturer (OEM) parts will be used, excluding window glass.
New vehicle replacementIf your new vehicle gets totaled within three years of purchase, you can receive the agreed value or replace it with a new vehicle.
Full glass coverageGrundy provides glass coverage with no deductible in most states.
Waiver of deductibleIf your car is damaged and cannot be repaired, your deductible will be waived.
Personal propertyIf your personal property gets damaged or stolen from your vehicle, you can replace it with a similar item and pay no deductible.
Pet coverageIf your pet is injured in an accident, you will be reimbursed for related expenses.
Cash settlement (optional)You can choose to receive a cash settlement if the damage is more than half of the agreed value.

How Much Does Grundy Insurance Cost?

The cost of Grundy classic car insurance will depend on several factors. Along with your vehicle details and coverage type, Grundy looks at the following when determining your rate:

  • Your age
  • Gender
  • Marital status
  • Driving record
  • Credit score
  • Location

To make sure you get a personalized quote for classic car insurance, it is best to get in touch with Grundy.

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Grundy Auto Insurance: Conclusion

After doing our research, we’ve concluded that Grundy Insurance is a strong choice for coverage for classic vehicles. It has great financial standing and high ratings across the board. Grundy classic car insurance reviews are largely positive. Despite those highlights, Grundy’s online experience is lacking due to its outdated and hard-to-navigate website.

Grundy Insurance Alternatives: Recommended Providers

We know you want to find the best possible coverage for your collector vehicle. That’s why we recommend you compare multiple car insurance quotes before making a final decision.

Due to their strong industry standing, affordability, and online experience, we recommend you also look into GEICO and State Farm for classic car insurance coverage.

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Geico Classic Car Insurance

Our team ranks GEICO as Best Discount Selection with a 4.6 out of 5.0 rating. It has an A++ financial strength rating on AM Best and an A+ from the BBB. GEICO is partnered with American Modern Insurance Group to provide customers with great classic car insurance.

At GEICO, your vehicle is considered classic if it is:

  • At least 25 years old
  • Under 25 years old and considered to be appreciating in value or of rare and unique design
  • A vehicle that has been modified from its original form
  • A replica or kit vehicle

GEICO classic car insurance highlights include agreed-value protection, low deductibles, and no vehicle appraisal necessary.

To learn more about the provider, read our complete GEICO review

State Farm Classic Car Insurance

Our team ranks State Farm as Best Overall with a 4.7 out of 5.0 rating. It has an A++ financial strength rating from AM Best and an A+ rating from the BBB. State Farm has a strong understanding of classic vehicles and has been insuring such vehicles for many years. 

At State Farm, your vehicle can be considered for coverage if it fits into one of these categories:

  • Classic car: 10 to 24 years old and of historic interest
  • Antique car: 25 years or older and of historic interest

Some coverage highlights from State Farm include agreed-value protection, up to $500 coverage for your classic vehicle’s spare parts, and 24-hour customer service.
Read our State Farm insurance review to find out more about the provider.

Grundy Collector Car Insurance: FAQ

Below are frequently asked questions about Grundy collector car insurance.

Is Grundy insurance legit?

Yes, Grundy auto insurance is a legitimate classic car insurance provider. The company has an A+ rating from the BBB and the company that underwrites its policies, Philadelphia Insurance Companies, has an A++ rating from AM Best. Grundy also has a 4.5-star rating on Trustpilot.

Does Grundy insurance require a garage?

Grundy requires that all vehicles stored at home be kept in an enclosed, secure garage when not in use.

Does Grundy have a mileage limit?

No, Grundy insurance policies feature unlimited mileage for pleasure driving.

How do you file a claim and get a quote from Grundy?

To get a quote for Grundy classic car insurance, you can simply go to the website and fill out a form. You can also call them at 888-647-8639. And for collector car claims, you must contact Philadelphia Insurance Companies. You can contact the group at 800-765-9749 or

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.

  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
  • Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
  • Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
  • Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
  • Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.

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Industry Standing
Customer Service
Online Experience
Final Score