Classic Car Insurance
Smart, reliable classic car insurance—for collectors, enthusiasts, and car lovers.
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What is Classic Car Insurance?
Classic car insurance isn’t for everyone—and that’s the point.
It’s a specialized policy designed for vehicles that are more than machines. Classics are vehicles that turn heads and tell stories. They’re cars that are driven rarely but loved always. Whether it’s a perfectly preserved antique, a lovingly restored muscle car, or a modern exotic built in limited numbers, these vehicles deserve more than standard auto insurance.
Classic car insurance provides protection tailored to the way these vehicles are actually used—on weekend drives, at club events, and for the occasional Sunday spin. What it’s not for is the morning commute or errands to the hardware store.
This is not your daily driver. It’s your pride and joy. Your investment. And it needs coverage that reflects its value—both real and sentimental.
Why You Need Classic Car Insurance
A classic car isn’t just a vehicle. It’s an investment of time, money, and passion. And yet, too many owners make the mistake of insuring theirs like it’s an ordinary car.
Standard auto insurance depreciates your vehicle the moment it leaves the garage. It doesn’t recognize rarity. It doesn’t reward preservation. And when a claim is filed, it won’t replace what you’ve lost—it will settle for what’s cheapest.
Classic car insurance does the opposite.
It protects your car at its full agreed value, not what a book says it’s worth. It offers coverage designed for occasional use, not everyday wear and tear. And it ensures that if the unthinkable happens, your claim is handled by someone who understands what your car truly means.
This isn’t just about coverage. It’s about peace of mind—for the things you can’t replace.
Is your car a classic?
Some things defy definition—but you know them when you see them.
A classic car isn’t just old. It’s admired. It’s preserved. It’s driven for the sheer pleasure of it. One carrier puts it perfectly: it’s a car that’s fun to drive, cherished by its owner, and kept in excellent condition.
You’ll find classic cars in every era:
- A 1965 Mustang.
- The 1975 Volkswagen Beetle.
- Or, a 1980 Corvette.
Not museum pieces—but rolling reflections of another time, lovingly maintained for the road ahead.
Insurers have their own guidelines, of course. But if your vehicle is rare, restored, or simply revered—it may qualify. And if it doesn’t? We can still help you insure it with a standard auto policy.
Because even if it’s not a “classic” by the book, it might still be one to you.
What Does Classic Car Cover?
Classic car insurance does more than protect your vehicle—it protects your investment.
Core Coverages
At its heart, you’ll find the same protections as a standard auto policy:
- Liability coverage for bodily injury and property damage
- Uninsured/Underinsured motorist coverage
- Comprehensive and collision, typically offered on an agreed value basis—so you know exactly what you’ll be paid if the worst happens
Optional Protection
Tailored extras for how you really use your car:
- Roadside assistance made for collector vehicles
- Spare parts and tools coverage
- Trailer protection
- Automatic coverage for newly acquired classics
- Even limited coverage for certain motorsports events (depending on the carrier)
It’s coverage made for how you drive—and how you care for—your classic.
Choosing the Right Coverage
Just because you don’t drive it every day doesn’t mean you should underinsure it.
A classic car can still cause damage—and it can still be damaged. That’s why your liability limits should be more than an afterthought. In most cases, we recommend matching the coverage you carry on your primary auto policy. For higher-net-worth households, an umbrella policy may be the wiser move.
Then there’s the car itself.
Don’t let it be valued like a commuter sedan. Choose agreed value coverage so you know exactly what you’ll receive in a total loss. And if you own more than one collectible, ask about multi-vehicle options that protect your collection as a whole.
In short: choose coverage for what your car is—not how often you drive it.
What Makes Classic Car Insurance Different
Most insurance treats your car like a disposable asset. Classic car insurance doesn’t.
It starts with agreed value coverage. That means you and the insurer decide, in advance, what your vehicle is worth. If it’s totaled, that’s exactly what you’re paid. Without depreciation. No arguing over market value. Your claim value is surprise free.
Standard auto insurance uses actual cash value—what the car’s worth today, minus depreciation. That may work for daily drivers. But for a classic? It’s a shortcut that falls short.
There’s more.
Classic car policies come with lower premiums—because you drive less. But they also come with higher standards:
- Occasional use only—no commuting, no grocery runs
- Secure storage, preferably a locked garage
- Claims adjusters who understand collector cars and don’t treat them like minivans
This isn’t off-the-shelf insurance. It’s purpose-built for people who care about their cars.
Classic Car Insurance Discounts
While discounts aren’t as broad as those on standard auto policies, some carriers do offer ways to save. Common examples include:
- Anti-Theft Device Discount
For vehicles equipped with alarms or disabling systems - Multi-Vehicle Discount
When you insure more than one collector vehicle - Mature Driver Discount
Available in some states after completing a qualified accident prevention course - Bundling Discount
May apply if your classic policy is paired with a home or umbrella policy (varies by carrier)
Note: Hagerty tends to price based on usage and storage rather than offering traditional discounts. Safeco is more likely to provide structured savings.
Not every carrier lists discounts—but that doesn’t mean you’re overpaying. We’ll help you find the best value either way.
Ways to Buy Classic Car Insurance
You can insure a classic car a few different ways. Some make sense. Others make compromises.
Here are your options:
- Direct from a carrier
Quick and easy—but you’re left to guess at coverage, limits, and eligibility. - Through a collector car club or event
Sounds exclusive. Sometimes it is. But coverage can be limited and service impersonal. - With an independent agent
The smart choice. You get expert advice, carrier-neutral guidance, and coverage tailored to your car—not someone else’s idea of it.
Because knowing the difference between a $40,000 driver and a $140,000 showpiece isn’t a detail. It’s the whole point.
What Do I Need to Get a Classic Car Quote?
Classic coverage starts with the right information. Here’s what we’ll need:
- Vehicle details: year, make, model, and VIN
- Photos: interior and exterior, usually within the last 30 days
- Storage location: where the vehicle is kept when not in use
- Driver information: names, licenses, and history
- Desired coverage amount: your agreed value or target range
- Documentation of value: receipts, restoration records, or appraisals (when available)
It’s not complicated—but it’s not guesswork either. Give us the right info, and we’ll give you a quote that’s built to protect the car that’s built to last.
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Call 877-334-7646 to speak with an insurance agent.
Got classic car policy questions?
There’s no magic number—but 25 years is a good benchmark.
Some states define a classic by age alone. Others consider weight, usage, or build. But in the eyes of most insurers, it’s not just about how old the car is. It’s about how it’s treated, how it’s driven, and how it’s preserved.
A 20-year-old limited-edition sports car may qualify. A 30-year-old beater won’t.
Yes—and they matter.
Most insurers expect your classic car to be stored in a secure, enclosed space. A private garage is ideal. So is a locked storage unit.
Carports and driveways? Often a red flag. Some carriers won’t accept them at all.
The better you protect your car, the more likely it is to qualify—and the better your coverage options will be.
Not every day. Not even most days.
Classic car insurance is built for occasional use—not commuting, not errands. Think pleasure drives, weekend cruises, club events, and exhibitions.
If you drive it daily, it’s not a collectible. It’s just transportation.
Yes—and it could impact your eligibility too.
A clean record helps. But serious infractions like reckless driving or multiple speeding tickets in the past few years? Those can disqualify you altogether.
Insurers want careful drivers behind the wheel of collectible cars. If you treat the road like a racetrack, classic coverage may not be an option.
Yes—but not with us.
You don’t need to bundle your daily driver with your classic policy. But to qualify, you must have separate insurance on a vehicle you use every day. It’s the law—and it’s how insurers know your classic isn’t your commuter.
Classic car insurance is an add-on, not a stand-in.