CO Insuring HMMWV NEWER than 20 years

jrtoffroad

Member
32
28
18
Location
Colorado Springs, CO USA
Hey guys,

Looks like there's a few decent insurance options for HMMWV's, but everyone I've found requires the vehicle to be at least 20 years old (Hagerty, USAA, Nationwide, JC Taylor....). Any other companies I should try to get insurance on a newer model? My M1123 is a 2008.
 

Maxjeep1

Active member
270
238
43
Location
Las Vegas Nevada
Sadly you question is in a place that you can’t get any answers. I think it belongs in the HMMWV section but people way smarter than me thinks this is the best place for it. With that being said and moving on. I’m going thru the same thing now. I was told by Progressive that I need a different vin or something, he’s wrong and doesn’t know what he was doing. State Farm told me like 1,200 a year in addition to the 220+ a month and it was zero coverage if I wrecked it or whatever.
the only option I found was Hagerty. They have zero restrictions and 991.00 a year or 212.00 down and 86.00 a month. I’m going to go that option on Monday after I ask a few questions. You can go to their site and get instant quote with just your name and email address. They will save your quote also. Mine is a 2002 so it’s not 20 years old
 

jrtoffroad

Member
32
28
18
Location
Colorado Springs, CO USA
Sadly you question is in a place that you can’t get any answers. I think it belongs in the HMMWV section but people way smarter than me thinks this is the best place for it. With that being said and moving on. I’m going thru the same thing now. I was told by Progressive that I need a different vin or something, he’s wrong and doesn’t know what he was doing. State Farm told me like 1,200 a year in addition to the 220+ a month and it was zero coverage if I wrecked it or whatever.
the only option I found was Hagerty. They have zero restrictions and 991.00 a year or 212.00 down and 86.00 a month. I’m going to go that option on Monday after I ask a few questions. You can go to their site and get instant quote with just your name and email address. They will save your quote also. Mine is a 2002 so it’s not 20 years old
What year HMMV are you looking to insure? I tried with Hagerty but was denied for being too new.
 

Maxjeep1

Active member
270
238
43
Location
Las Vegas Nevada
No. I called and worked with an agent. Then when i tried to go with Farmers they also tried to set me up with Hagerty with the same result.
I did the online quote and it seemed like it was good to go. I chose military vehicle on the build your own quote. They had classic option also but I went military option just to avoid problems later.
Give it a try and see what happens.
 

jrtoffroad

Member
32
28
18
Location
Colorado Springs, CO USA
I did the online quote and it seemed like it was good to go. I chose military vehicle on the build your own quote. They had classic option also but I went military option just to avoid problems later.
Give it a try and see what happens.
I actually got as far as getting id cards from farmers, but hagerty kicked it back when it went through their underwriting. I suspect the same thing would happen with an online quote, but maybe not.

Yours is so close to 20 years i bet they let it slide.
 

Maxjeep1

Active member
270
238
43
Location
Las Vegas Nevada
I actually got as far as getting id cards from farmers, but hagerty kicked it back when it went through their underwriting. I suspect the same thing would happen with an online quote, but maybe not.

Yours is so close to 20 years i bet they let it slide.
That had a military vehicle option and it didn’t say classic military vehicle. If they sent it to underwriting as classic and it’s not, that might be the problem. From my experience nobody has a clue what they are doing and then they send it off to others that don’t know what they are looking at. I might get turned down when it comes right down to it.
 

wadeyoung1

New member
2
2
3
Location
Alabama
Hey guys,

Looks like there's a few decent insurance options for HMMWV's, but everyone I've found requires the vehicle to be at least 20 years old (Hagerty, USAA, Nationwide, JC Taylor....). Any other companies I should try to get insurance on a newer model? My M1123 is a 2008.
Just got insurance through American Collectors. Easy to work with. Good price.
 

patracy

Administrator
Staff member
Administrator
13,974
1,613
113
Location
Buchanan, GA
Sadly you question is in a place that you can’t get any answers. I think it belongs in the HMMWV section but people way smarter than me thinks this is the best place for it. With that being said and moving on. I’m going thru the same thing now. I was told by Progressive that I need a different vin or something, he’s wrong and doesn’t know what he was doing. State Farm told me like 1,200 a year in addition to the 220+ a month and it was zero coverage if I wrecked it or whatever.
the only option I found was Hagerty. They have zero restrictions and 991.00 a year or 212.00 down and 86.00 a month. I’m going to go that option on Monday after I ask a few questions. You can go to their site and get instant quote with just your name and email address. They will save your quote also. Mine is a 2002 so it’s not 20 years old
The reason for the insurance section is because there's about 50 answers to any insurance question since states are different. What might hold true for your HMMWV, might not be true for someone else's HMMWV in another state. That's why the section has state tags too for the thread.
 

Mullaney

Well-known member
Supporting Vendor
2,883
4,546
113
Location
Charlotte NC
I was finally able to get insurance through progressive. Kind of pricey, but at least I'm 1 step closer to being able to drive this thing on the road.
.
Now that you have it covered - keep shopping.

Tell the other potential insurance agents that you have coverage with (insert name here) and you want a better price.
It works. They enjoy competition. Especially if you find one that is a little "hungry" near the end of the month and there are sales goals to meet.
 
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