Classic & Collector Car Insurance
Specialized coverage for your vintage and collector vehicles
What is Classic Car Insurance?
Classic car insurance is specialized coverage designed for vintage, antique, and collector vehicles. Unlike standard auto insurance, classic car policies recognize that these vehicles often appreciate in value and are driven less frequently, resulting in lower premiums and better coverage options.
These policies typically offer agreed value coverage, meaning you and the insurer agree on the car's value upfront. If your classic car is totaled, you receive the full agreed amount without depreciation. This is crucial for vehicles that maintain or increase in value over time.
Classic car insurance is often 40-60% cheaper than standard auto insurance due to limited mileage and careful ownership.
What Classic Car Insurance Covers
Specialized protection for your valuable collector vehicles
Agreed Value Coverage
Full agreed-upon value paid in case of total loss, with no depreciation applied to your classic vehicle.
Collision & Comprehensive
Protection from accidents, theft, vandalism, fire, weather damage, and other covered perils.
Spare Parts Coverage
Coverage for spare parts, tools, and equipment stored separately from your classic vehicle.
Specialized Repair
Access to specialized repair shops and original parts to maintain your vehicle's authenticity and value.
Show & Event Coverage
Protection while transporting your vehicle to and displaying at car shows, rallies, and exhibitions.
Liability Protection
Coverage for bodily injury and property damage you cause while driving your classic car.
What Qualifies as a Classic Car?
Requirements for classic car insurance eligibility
Age Requirements
Typically 20-25+ years old for classic status, though some insurers cover vehicles 10+ years old if they're collectible or rare.
Condition Standards
Vehicle must be well-maintained, restored, or in original condition. Not used as daily transportation.
Limited Mileage
Annual mileage restrictions, typically 1,000-5,000 miles per year depending on the policy.
Secure Storage
Must be stored in a locked garage or secure facility when not in use to protect from theft and weather.
Daily Driver Required
Most insurers require you to have another vehicle for regular daily transportation use.
Driver Requirements
Clean driving record and minimum age requirement, typically 25+ years old with several years of driving experience.
Types of Vehicles We Cover
Insurance for all types of collector and specialty vehicles
Classic Cars
Vintage vehicles 20+ years old
Antique Cars
Vehicles 45+ years old
Exotic Cars
High-performance luxury vehicles
Show Cars
Competition and exhibition vehicles
Modified Cars
Custom and resto-mod vehicles
Classic Trucks
Vintage pickup trucks and vans
Classic Motorcycles
Vintage and collector bikes
Kit Cars
Replica and custom-built vehicles
Frequently Asked Questions
Protect Your Classic Investment
Get specialized coverage designed for collector and vintage vehicles
Get Your Quote Today