Insurer guide
OpenRoad Insurance Through an Independent Agency: Coverage and States
Blake Insurance Group is an independent insurance agency with access to quote OpenRoad. This page lists the OpenRoad coverage we can request for clients, the states where we can do it, and how to start.
This page is published by Blake Insurance Group, not by OpenRoad. Availability depends on the product, your location and underwriting.
Request a quote
Tell us what you need and mention OpenRoad if you want it included. A licensed agent will follow up. Submitting the form does not bind coverage.
If the form does not load, call 888-387-3687, Monday through Friday, 9:00 to 5:00 Arizona time, or email admin@blakeinsurancegroup.com.
Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16117464.
OpenRoad coverage and states available through our agency
The table shows each OpenRoad coverage type our agency can currently quote and the states, out of the 24 where we are licensed, in which we can quote it.
| Coverage type | For | States we can quote |
|---|---|---|
| Classic/Collector Vehicles | Personal | AZ, AL, TX, OH, GA, OK, NM, IA, MI, SC, WV, IL, NJ, PA, TN |
If your state or coverage type is not listed, send a request anyway. We can check other insurers we have access to.
How to request a OpenRoad quote
- Send the request form on this page or call 888-387-3687.
- Tell us the coverage you need and the state where the property, vehicle or business is located.
- A licensed agent reviews whether OpenRoad is available for your situation and what information the insurer needs.
- You review the quote and decide. Coverage starts only after the insurer accepts your application and confirms it.
Ways to compare your options
You can go whichever direction suits you. None of these commits you to buying.
- Ask a licensed agent. Send a request or call 888-387-3687.
- See other insurers our agency can quote for similar coverage. Hagerty.
Who OpenRoad is
OpenRoad Insurance, also written Open Road Insurance, is an MGA for classic and collector cars. It's based in Dallas, Texas. Its majority investor is Griffin Highline Capital, also of Dallas. Richard Hutchinson is CEO, according to Dallas Innovates.
We couldn't verify OpenRoad's legal entity name.
OpenRoad sells through agents. Its August 2026 release says it has about 10,000 agent partners.
OpenRoad covers collector vehicles only. It isn't built for daily drivers. That's why it requires you to own a separate car for everyday use.
Who issues OpenRoad policies
OpenRoad's policies are issued by National Interstate Insurance Company of Richfield, Ohio. National Interstate is part of Great American Insurance Group.
OpenRoad's August 19, 2026 release says National Interstate is "rated 'A+' (Superior) by A.M. Best." We didn't verify the date of that rating with AM Best. AM Best's December 2022 release on the Great American group did list National Interstate at A+.
Since OpenRoad is an MGA, National Interstate is the insurer that pays covered claims.
What OpenRoad covers
OpenRoad writes collector vehicle insurance with agreed value. You and the insurer agree on the car's value up front. OpenRoad says you can revise that value at any time.
The policy also covers:
- Emergency evacuation expenses.
- Tools and spare parts.
- Vehicles under construction.
Vehicles from 1989 and earlier are broadly eligible. Newer vehicles may qualify if they have enthusiast traits. According to the First Connect carrier directory, you must own a separate daily driver. OpenRoad avoids modern exotics and heavily modified cars.
Where OpenRoad writes, and recent news
OpenRoad was licensed in 40 states as of August 19, 2026. That's up from 35 in March 2026. Its newest states were New York, New Hampshire, Vermont, North Carolina and Delaware. Its goal is all 48 contiguous states. Texas is its largest market.
The release didn't publish the full 40-state list. According to the First Connect carrier directory, OpenRoad is listed in 25 states.
- May 2024: announced its market entry.
- July 2024: launched in Ohio, Illinois, Indiana and Wisconsin.
- March 2026: reached 35 states.
- August 19, 2026: reached 40 states.
Dallas Innovates reported its local backing from Griffin Highline Capital at launch.
How agreed value works
A standard auto policy usually pays actual cash value after a total loss. That's the car's market value minus depreciation, as the insurer figures it. For a collector car, that can fall short.
An agreed value policy works differently. You and the insurer settle on a value when the policy starts. If the car is totaled, that's the amount the policy is built around. OpenRoad says you can revise the value at any time, which helps if your car's market value climbs.
Keep records that support the value you choose. Photos, appraisals and receipts for restoration work all help.
What to check before you buy OpenRoad
- Your daily driver. You need a separate everyday car.
- Eligibility. Confirm your car qualifies by year or enthusiast traits.
- Agreed value. Set it based on a recent appraisal or market data. Update it as values change.
- Use limits. Ask how much you can drive the car and for what purposes.
- Storage. Ask what storage the policy requires.
- Projects. If your car is being restored, confirm the under-construction coverage fits.
Sources for the sections above: InsuranceNewsNet: OpenRoad Insurance expands to 40 states (2026); Dallas Innovates: OpenRoad classic car insurance launches out of Dallas (2024) (secondary); Insurance Journal: OpenRoad market entry (2024) (secondary); The Globe and Mail: AM Best affirms ratings of American Financial Group (2022) (secondary host); First Connect carrier directory: OpenRoad (secondary).
How to verify an insurer or agency
Before buying through any website or app, confirm who is selling you the policy and who will issue it:
- Find the licensed agency or insurer named in the site's footer, terms, or license page.
- Look up the agency or producer on your state insurance department's license search, or through the National Insurance Producer Registry (NIPR).
- Look up the insurer on your state insurance department's company search to confirm it is authorized in your state.
- Save the insurer's name and policy number once issued, since that is who handles claims.
A legitimate service will make this information easy to find. Be cautious if you cannot identify the licensed entity.
What an independent agency does
An independent insurance agency is licensed to sell policies from several insurance companies. Instead of quoting one company's products, an independent agent can compare options from the insurers the agency represents, explain the differences in coverage, and help you re-shop at renewal. The insurance company, not the agent, makes underwriting and claim decisions.
Blake Insurance Group is an independent agency. We work with clients by phone, email, and online in states where we are licensed, and we will tell you which insurers we can quote for your situation.
Questions to ask before you buy
- Which insurer issues the policy, and is it licensed in my state?
- What are the limits and deductibles, and what’s excluded?
- Which discounts were applied, and which ones weren’t?
- How do I report a claim, and is there a 24-hour line?
- What happens if I miss a payment, and is there a grace period?
- Can I get the full quote, including all fees, in writing before I pay?
Sources for the sections above: NAIC: Consumer Insurance Search; National Insurance Producer Registry.
OpenRoad FAQs
Can Blake Insurance Group quote OpenRoad?
Yes. Our agency currently has access to quote OpenRoad for the coverage types and states listed on this page. Access can change, and OpenRoad decides whether to offer a policy.
Which states can you quote OpenRoad in?
Of the 24 states where we are licensed, we can currently quote OpenRoad in AZ, AL, TX, OH, GA, OK, NM, IA, MI, SC, WV, IL, NJ, PA, TN. Availability differs by coverage type, as the table shows.
Does a quote request start coverage?
No. Coverage begins only after the insurer accepts your application and confirms it.
Can I compare OpenRoad with other insurers?
Yes. As an independent agency we can look at other insurers we have access to for the same coverage, where they are available in your state.
Important information
Independent agency. Blake Insurance Group LLC is an independent insurance agency. The coverage types and states on this page reflect our agency access as checked in November 2026 and can change. OpenRoad decides eligibility, pricing and whether to issue a policy.
Trademarks. OpenRoad and other company names are trademarks of their owners. This page is not published or endorsed by OpenRoad.
Availability. Coverage, prices, discounts and eligibility vary by insurer, state and applicant, and are subject to underwriting. The issued policy controls. A quote request does not bind or change coverage.
Your next step
Send a request and a licensed agent will check OpenRoad and other options available to you.