Classic Car Insurance Coverage: An Expert Guide (2025)

Just like you need to insure yourself against accidents or illness, you also need to cover your cars. When it comes to a classic car insurance policy, however, regular auto insurance won’t cut it.

Whether it is a car, truck, motorcycle, or some other type of rare classic vehicle, you will need a special type of American collectors insurance. Keep reading to get all the facts you need to properly protect your one-of-a-kind ride.

What is Classic Car Insurance?

With classic car auto policies, an insurance company will cover a vintage vehicle for a specific value agreed on by the owner as well as the insurance company. Typically, when a new car is driven off the lot, it loses some of its resale value immediately.

However, as antique cars age, they become more like high-value vehicles and are considered commodities. That being said, an understanding of your antique car’s value becomes important. There are valuation tools that can help give an accurate estimate of the vehicle’s value such as NADA Guidelines and Hagerty.

Classic cars are generally more valuable, and can incur more expensive repairs than other vehicles, so having specialized insurance, such as agreed-value coverage, is a necessity.

Car Insurance
• Life Insurance Policy Direct
• What should you do if you have a tire blowout? (2025)
• Best Car Insurance Company That Accepts Visa (2025)
• How to Prevent Distracted Driving: An Expert Guide (2025)
• Alternatives to Car Transportation: Ways to Get Around Without a Car
• Compare Car Insurance
Car Insurance by Occupation
• Car Insurance Discounts for Teachers
• Car Insurance Discounts for Nurses
• Best Car Insurance for Students
• Best Car Insurance for Rideshare Drivers
• Food Delivery Car Insurance: What to Know & How to Save (2025)
• Car Insurance Guide for Military Members (2025)
• Olive Garden Delivery Driver Car Insurance: What To Know & How To Save (2025)
• Best Car Insurance Company That Covers Uber Drivers (2025)
• Best Car Insurance Company That Covers Lyft Drivers (2025)
• Best Commercial Car Insurance Coverage Company (2025)
• Uber Eats Car Insurance: What to Know & How to Save (2025)
• Jimmy John’s Car Insurance: What To Know & How To Save (2025)
• Walmart Delivery Driver Car Insurance: What to Know & How to Save (2025)
• Papa John’s Car Insurance: What To Know & How To Save (2025)
• Amazon Flex Car Insurance: What To Know & How To Save (2025)
• GrubHub Car Insurance: What to Know & How to Save (2025)
• Pizza Hut Car Insurance: What to Know & How to Save (2025)
• Domino’s Pizza Car Insurance: What To Know & How To Save (2025)
Car Insurance by Driver
• Car Insurance for Couples: Does having multiple drivers save you money?
• Best Car Insurance for Women
• Best Car Insurance for Veterans
• Best Car Insurance for Low Income Drivers
• Best Car Insurance for Foreign Drivers
• Best Car Insurance for Drivers with Bad Credit
• Best Car Insurance for Drivers with a Suspended License
• Best Car Insurance For Drivers Who Go to Mexico
• Best Car Insurance for Disabled Drivers
• Average Car Insurance Rates by Age and Gender
• What is the difference between named driver and any driver car insurance?
• Average Car Insurance Cost by Age 2025
• Best Car Insurance Company for Infrequent Drivers (2025)
• Best Car Insurance Company That Accepts Salvage Titles (2025)
• Best Car Insurance Company for Bad Driving Records (2025)
• Best Car Insurance Company for Drivers With Accidents (2025)
• Best Car Insurance for a Bad Driving Record (2025)
• Anonymous Car Insurance Quotes (No Personal Information)
• Car Insurance Guide for Seniors (2025)
Best Car Insurance
• Find and Compare Car Insurance Quotes: Maximize Your Savings
• Cheapest Car Insurance Companies
• Best No Down Payment Car Insurance
• Best Car Insurance Companies (2025)
• Best West Virginia Car Insurance (2025)
• Best Auto Insurance for Young Adults (2025)
Auto Insurance Companies
• Progressive Snapshot Insurance Review
• AssuranceAmerica Insurance Review & Complaints: Car Insurance (2025)
• AARP Auto Insurance Program from The Hartford Review (2025)
• USAA Insurance Review & Complaints: Life, Home, & Auto Insurance (2025)
• Universal Insurance Company Insurance Review & Complaints: Auto & Motorcycle Insurance (2025)
• Indiana Farmers Mutual Insurance Review & Complaints: Auto, Home, Farm & Business Insurance (2025)
• Elephant Insurance Review & Complaints: Car Insurance (2025)
• Electric Insurance Review & Complaints: Home & Auto Insurance (2025)
• eFinancial Insurance Review & Complaints: Life, Auto & Home Insurance (2025)
• DTRIC Insurance Review & Complaints: Auto, Home, Umbrella & Commercial Insurance (2025)
• Donegal Insurance Group Review & Complaints: Home, Auto, Boat, Umbrella & Business Insurance (2025)
• Co-Operators General Insurance Review & Complaints: Auto, Home, Life & Business Insurance (2025)
• Alliance United Insurance Review & Complaints: Car Insurance (2025)
• Aspire Insurance Review & Complaints: Car Insurance (2025)
• SafeAuto Insurance Review & Complaints: Car Insurance (2025)
• Encova Insurance Company Review & Complaints: Auto, Homeowners & Life Insurance (2025)
• Harley Davidson Insurance Review & Complaints: Car Insurance (2025)
• Troubleshooting Why Your Allstate App is Not Working
• Allstate Drivewise Mobile App: Complete Guide & Review (2025)
• Stonewood Car Insurance Services Review & Complaints (2025)
• Shipt Car Insurance: What To Know & How To Save (2025)
• Automobile Club of Southern California Life Insurance Review & Complaints (2025)
• Inshur Car Insurance Review & Complaints (2025)
• Best Car Insurance Company That Only Goes Back Five Years (2025)
• Best Car Insurance Company That Offers Car and Trucking Insurance (2025)
• Noblr Insurance Review & Complaints (2025)
• Root Insurance Review & Complaints (2025)
• Best Bodily Injury Liability (BIL) Coverage Car Insurance Company (2025)
• USAA SafePilot: Complete Guide & Review (2025)
• Caviar Courier Car Insurance: What to Know & How to Save (2025)
• Geico DriveEasy: Complete Guide & Review (2025)
• Farmers Signal: Complete Guide & Review (2025)
• American Family KnowYourDrive: Complete Guide & Review (2025)
• Farm Family Insurance Review & Complaints: Auto, Home & Life Insurance (2025)
• West Bend Mutual Insurance Review & Complaints: Auto, Home & Business Insurance (2025)
• United Equitable Insurance Review & Complaints: Auto Insurance (2025)
• Victoria Insurance Review & Complaints: Auto Insurance (2025)
• 21st Century Insurance Company Review & Complaints: Auto, Life & Home Insurance (2025)
• First American Insurance Review & Complaints: Property, Auto & Umbrella Insurance (2025)
• Anchor General Insurance Company Review & Complaints: Auto Insurance (2025)
• Cincinnati Insurance Review & Complaints: Auto, Home, Life & Business Insurance (2025)
• Granwest Insurance Review & Complaints: Property & Casualty Insurance (2025)
• Safeway Insurance Review & Complaints: Auto Insurance (2025)
• Best Texas Car Insurance (2025)
• Tesla Insurance Review & Complaints: Car Insurance (2025)
• Sentry (Dairyland) Insurance Review & Complaints: Commercial Insurance (2025)
• Horace Mann Insurance Review & Complaints: Auto, Home & Life Insurance (2025)
• PEMCO Insurance Review & Complaints: Auto, Boat, Umbrella & Home Insurance (2025)
• Plymouth Rock Assurance Insurance Review & Complaints: Auto & Home Insurance (2025)
• California Casualty Insurance Review & Complaints: Auto & Home Insurance (2025)
• Island Insurance Company Review & Complaints: Auto, Home & Business Insurance (2025)
• Pekin Insurance Review & Complaints: Home, Auto & Life Insurance (2025)
• Omni Insurance Group Insurance Review & Complaints: Auto Insurance (2025)
• Tower Group Insurance Review & Complaints: Auto & Home Insurance (2025)
• Repwest Insurance Company Review & Complaints: Moving & Storage Insurance (2025)
• Grange Insurance Association Review & Complaints: Auto, Home, & Farm Insurance (2025)
• Stonewood Insurance Review & Complaints: Car Insurance (2025)
• Frankenmuth Insurance Review & Complaints: Auto, Home & Life Insurance (2025)
• Esurance Insurance Review & Complaints: Auto & Home Insurance (2025)
• New York Central Mutual Insurance Review & Complaints: Car, Homeowners & Property Insurance (2025)
• Mercury Insurance Group Review & Complaints: Auto & Home Insurance (2025)
• Titan Insurance Review & Complaints: Auto Insurance (2025)
• Pioneer State Mutual Insurance Company Review & Complaints: Auto, Home & Business Insurance (2025)
• Wisconsin Mutual Insurance Company Review & Complaints: Auto, Home, Farm & Business Insurance (2025)
• Foremost Insurance Company Review & Complaints: Home, Car, & Recreational Vehicle Insurance (2025)
• InsureMax Insurance Company Review & Complaints: Car Insurance (2025)
• Key Insurance Company Insurance Review & Complaints: Auto Insurance (2025)
• Austin Mutual Insurance Company Review & Complaints: Auto, Home, Commercial & Agribusiness Insurance (2025)
• Northern Neck Insurance Company Review & Complaints: Auto & Home Insurance (2025)
• Mendota Insurance Company Review & Complaints: Auto Insurance (2025)
• Best Car Insurance Company for a Low Budget (2025)
• Brethren Mutual Insurance Company Review & Complaints: Home, Auto, Business & Farm Insurance (2025)
• Celina Insurance Group Review & Complaints: Auto, Home, Business, & Farm Insurance (2025)
• Norfolk and Dedham Group Insurance Review & Complaints: Car, Commercial & Homeowners Insurance (2025)
• Arbella Insurance Review & Complaints: Auto, Home & Business Insurance (2025)
• Stillwater Insurance Group (Fidelity) Insurance Review & Complaints: Home, Auto & Business Insurance (2025)
• National General Insurance Review & Complaints (2025)
• Central Mutual Insurance Review & Complaints: Home, Auto & Business Insurance (2025)
• Ameriprise Insurance Review & Complaints: Auto, Home, Life & Health Insurance (2025)
• 1st Auto and Casualty Insurance Review & Complaints: Auto Insurance (2025)
• United Home Insurance Review & Complaints: Home & Auto Insurance (2025)
• Oregon Mutual Insurance Review & Complaints: Auto, Home & Business Insurance (2025)
• New London County Mutual Insurance Review & Complaints: Auto, Home & Commercial Insurance (2025)
• All Star General Insurance Review & Complaints: Auto Insurance (2025)
• Hochheim Prairie Insurance Review & Complaints: Auto, Home,Business & Farm Insurance (2025)
• Rockingham Insurance Review & Complaints: Home, Auto, Farm & Business Insurance (2025)
• Agricultural Workers Mutual Insurance Review & Complaints: Auto & Farm Insurance (2025)
• The ACE Group Insurance Review & Complaints: Auto, Home, Umbrella & Business (2025)
• Brotherhood Mutual Insurance Company Review & Complaints: Church Insurance (2025)
• Haulers Insurance Company Review & Complaints (2025)
• Goodville Mutual Insurance Review & Complaints: Property & Casualty Insurance (2025)
• GoAuto Insurance Review & Complaints: Car Insurance (2025)
• MiddleOak Insurance Review & Complaints: Property & Casualty Insurance (2025)
• Maryland Auto Insurance (MAIF) Insurance Review & Complaints (2025)
• Primero Insurance Review & Complaints: Car Insurance (2025)
• Discovery Insurance Company Review & Complaints: Auto Insurance (2025)
• Acceptance Auto Insurance Review & Complaints: Auto, Motorcycle & Renter’s Insurance (2025)
• Founders Insurance Review & Complaints: Auto, Home, & Commercial Auto Insurance (2025)
• Fred Loya Insurance Review & Complaints: Car Insurance (2025)
• Indiana Farm Bureau Insurance Review & Complaints: Home, Auto & Life Insurance (2025)
• Country Financial Insurance Review & Complaints: Auto, Home, Life & Farm Insurance (2025)
• Peak Property & Casualty Insurance Review & Complaints: Car, Airplane, & Home Insurance (2025)
• Preferred Mutual Insurance Company Review & Complaints: Auto, Home & Commercial Insurance (2025)
• Grinnell Mutual Insurance Review & Complaints: Auto, Home, Business & Farm Insurance (2025)
• Badger Mutual Insurance Review & Complaints: Auto, Home & Business Insurance (2025)
• Patriot Insurance Review & Complaints: Auto, Home, Life & Business Insurance (2025)
• Premier Insurance Group Review & Complaints: Auto, Home, Life & Commercial Insurance (2025)
• American Underwriters Insurance Review & Complaints: Auto Insurance (2025)
• Bolt Insurance Review & Complaints: Car, Home & Business Insurance (2025)
• Dairyland Insurance Review & Complaints: Auto & Motorcycle Insurance (2025)
• CUNA Mutual Insurance Review & Complaints: Life, Home, Auto & Supplemental Health Insurance (2025)
• Armed Forces Insurance Review & Complaints: Home, Auto & Business Insurance (2025)
• Germania Insurance Review & Complaints: Life, Home & Auto Insurance (2025)
• Direct General Insurance Review & Complaints: Auto & Life Insurance (2025)
• Alfa Insurance Review & Complaints: Home, Auto & Life Insurance (2025)
• American Access Casualty Company Insurance Review & Complaints: Auto Insurance (2025)
• A Abana Car Insurance Review & Complaints: Auto Insurance (2025)
• Safeco Insurance Review & Complaints: Auto, Home, Renter’s, Boat, Motorcycle & Umbrella Insurance (2025)
• Vern Fonk Insurance Review & Complaints: Home, Auto & Commercial Insurance (2025)
• Commerce (MAPFRE) Insurance Review & Complaints: Auto, Home, Life & Business Insurance (2025)
• New Jersey Manufacturers Insurance Review & Complaints: Worker’s Compensation, Auto & Home Insurance (2025)
• GuideOne Insurance Review & Complaints: Auto, Home, Life, Church, Senior Living & School Insurance (2025)
• Windhaven Auto Insurance Review & Complaints: Auto Insurance (2025)
• United Fire Group Insurance Review & Complaints: Auto, Home, Business, & Life Insurance (2025)
• GAINSCO Insurance Review & Complaints: Auto Insurance (2025)
• Imperial Fire & Casualty Insurance Review & Complaints: Auto, Home & Flood Insurance (2025)
• Farm Bureau Insurance Review & Complaints: Auto, Home, Life, Health, & Farm Insurance (2025)
• Integrity Insurance Review & Complaints: Auto, Home, Life, & Business Insurance (2025)
• Main Street America Group Insurance Review & Complaints: Personal & Commercial Insurance (2025)
• Hallmark Insurance Company Review & Complaints: Auto & Home Insurance (2025)
• Agency Insurance Company Review & Complaints: Auto Insurance (2025)
• Penn National Insurance Review & Complaints: Home, Auto & Business Insurance (2025)
• Allied Insurance Review & Complaints: Auto, Home, Powersports, Life & Business Insurance (2025)
• Kemper Specialty Insurance Review & Complaints: Auto, Home, Life & Health Insurance (2025)
• Mutual of Enumclaw Insurance Review & Complaints: Auto, Home, Commercial, Boat & Farm Insurance (2025)
• Kingsway Financial Services Insurance Review & Complaints: High-risk Auto Insurance (2025)
• Wawanesa Insurance Review & Complaints: Life, Home & Auto Insurance (2025)
• Infinity Auto Insurance Review & Complaints: Auto, Home & Life Insurance (2025)
• Selective Insurance Review & Complaints: Auto, Home & Business Insurance (2025)
• QBE Insurance Review & Complaints: Commercial, Auto & Home Insurance (2025)
• Western National Insurance Review & Complaints: Home & Auto Insurance
• Ohio Mutual Insurance Review & Complaints: Auto, Home & Business Insurance (2025)
• Hagerty Insurance Review & Complaints: Auto, Boat & Business Insurance (2025)
• Acuity Insurance Review & Complaints: Auto, Home & Business Insurance (2025)
• EMC Insurance Review & Complaints: Business, Auto, Home & Motorcycle Insurance (2025)
• Chubb Insurance Company Review & Complaints: Auto, Home, and Business Insurance (2025)
• State Auto Insurance Review & Complaints (2025)
• The General Insurance Review & Complaints: Car Insurance (2025)
• Grange Insurance Review & Complaints: Auto, Home, Life, & Business Insurance (2025)
• American Modern Insurance Review & Complaints: Homeowners Insurance (2025)
• Bristol West Insurance Review & Complaints: Auto Insurance (2025)
• Auto-Owners Insurance Review & Complaints: Auto, Home, Life, Retirement & Business Insurance (2025)
• Pure Insurance Review & Complaints: Home & Auto Insurance (2025)
• Shelter Insurance Review & Complaints: Auto, Home, Life & Business Insurance (2025)
• Utica National Insurance Group Insurance Review & Complaints: Car, Homeowners & Commercial Insurance (2025)
• The Hartford Insurance Review & Complaints: Car, Life & Business Insurance (2025)
• The Hanover Insurance Group Review & Complaints: Auto, Home & Business Insurance (2025)
• Encompass Insurance Review & Complaints: Auto & Home Insurance (2025)
• Kentucky Farm Bureau Insurance Review & Complaints: Home, Life, Auto, Farm, Business & Health Insurance (2025)
• Travelers Insurance Review & Complaints: Home, Auto & Boat Insurance (2025)
• AAA Auto Insurance Review & Complaints: Auto, Home, Life, Travel & Wedding Insurance (2025)
• Westfield Insurance Review & Complaints: Auto, Home & Business Insurance (2025)
• Erie Insurance Review & Complaints: Auto, Home, Life, Marine & Business Insurance (2025)
• American Family Insurance Review & Complaints: Auto, Home & Life Insurance (2025)
• Progressive Insurance Review & Complaints: Auto Insurance (2025)
• Liberty Mutual Insurance Review & Complaints: Property & Casualty Insurance (2025)
• Allstate Auto Insurance Review & Complaints: Auto Insurance (2025)
• State Farm Insurance Review & Complaints: Car Insurance (2025)
• Geico Insurance Review & Complaints (2025)
• Farmers Insurance Review & Complaints: Home, Business & Auto Insurance (2025)
• Nationwide Insurance Review & Complaints: Auto, Home, Health & Pet Insurance (2025)

This is because vintage car parts are usually less common and so are mechanics that are able to work with them. Typically, a classic car policy can be purchased from commonly known insurance providers such as Geico or Progressive, but can also be purchased from specialized insurance agencies.

Read more: What is the difference between agreed value and actual cash value car insurance coverage?

Types of Collector Car Insurance

Vintage vehicles are categorized differently. The first step towards finding a classic auto insurance policy for your collector car is understanding what type of category your vehicle falls under. Classifications vary from state to state, but here is a generalized guide to particular classifications:

• Classic Cars: According to the Classic Car Club of America (CCCA), this classification includes any type of limited production vehicle. These cars are American or foreign built, ranging from the years of 1915 to 1948, produced in limited quantities. They are usually priced higher when new. CCCA also provides (and updates) a full list of approved classics according to their guidelines. Example: 1923 Ford Model T
• Antique Cars: According to the Antique Automobile Club of America (AACA), antique cars are 25 years or older. In some states, the age required to be considered an antique varies from 20 years and up. Example: 1966 Shelby 427 Cobra
• Modified Cars: Cars in this class are loosely defined as being “substantially altered from their original condition in a way that can impact the value in positive or negative ways.” These alterations can include engine, body, chassis, or interior vehicle modifications. Example: 1960 Jeep with an added roll-cage and wench.
• Kit Cars & Replicas: Cars in this class are broadly defined as being made up of multiple manufacturer parts that are at least 25 years old. Example: 1955 Mustang with a 1960 Camaro Engine and a 1980 Chevelle Bumper.

Classic Car Insurance Eligibility, Coverage, & Cost

In the same way that standard car insurance has stipulations, antique car insurance companies have particular requirements, coverage limitations/inclusions, and costs associated as well.

Eligibility

There are requirements that differ from standard insurance that are important to understand:

• Ownership: You must be able to prove possession of a classic, antique, modified, or kit/replica vehicle that is in good shape.
• Clean driving record: You cannot have more than one at-fault accident or moving violation.
• Age: You need to be a licensed driver of at least 25 years of age or older.
• Storage: The vehicle must be stored in a secure, fully-enclosed garage, carport, or storage center. (For more information, read our “Best Car Insurance for a Vehicle in Storage“).
• Ownership of another car: If you own another vehicle, it must be used as part of your daily commute or considered your primary means of transportation.
• Consent: The vehicle must be used for normal driving (no off-roading, or race tracks).

Coverage

Similar to traditional auto insurance, most terms are for twelve months and cover categories like liability, uninsured/underinsured vehicles, comprehensive, medical payments, and collision, as well as coverage specific to rare cars such as:

• Traveling Coverage: If your vehicle breaks down while traveling, this coverage can reimburse you for hotel/motels, rental vehicles, and food needed due to vehicle issues.
• Coverage for Spare Parts: Some owners keep spare parts inside the vehicle in case of an emergency. If agreed upon with the insurance company, this coverage insures the spare parts in case of theft or damage.
• Roadside Assistance: This includes services such as: towing, flat tire, locksmith, fuel delivery, extrication/winching, battery jump-start services, as well as any minor mechanical repairs or adjustments that can make the automobile road-ready.
• No Attendance Required: In the case that your car is being shown at an auto show without you being physically present, this coverage fully protects your vehicle.
• Auto Show Medical Reimbursement: At a show, vehicles are often demoed for curious individuals; this coverage protects owners in case of an injury.

Enter your zip code in our free tool below to compare the best policies in your area:

Cost

Classic car insurance typically costs considerably less than traditional auto insurance, due to three important differences:

1. Vintage vehicles are expected to be driven less than typical vehicles. Coverage providers require owners to have a second mode of transportation.
2. Classic cars often have higher standards of maintenance because of their value and availability. These include routine cleanings, the way the cars are stored, etc.
3. Antique automobiles are driven more carefully. Typically you won’t see a Model T peeling out at a stop-light, or testing their e-brake in the snow.

Commonly, factors associated with traditional car insurance (such as driving history, age, gender, etc.) are also included in consideration for classic car coverage, but there are even more factors that come into play when determining classic car insurance rates.

The best way to get a direct numerical answer is to provide some of your information in order to get quotes from multiple insurance companies tailored to you and your vehicle.

After several quotes are received, compare rates and make your decision based on which coverage and price fit your needs best.

Case Studies: Highlighting the Importance of Classic Car Insurance Coverage

Case Study 1: The Restored Classic

John owns a beautifully restored 1967 Ford Mustang, which he acquired after years of hard work and investment. One day, while attending a car show, a severe thunderstorm rolls in unexpectedly. The strong winds and heavy rain cause a large tree branch to fall on John’s Mustang, causing significant damage.

Thankfully, John had a classic car insurance policy that covered agreed value, and he was able to receive compensation to repair the damage and restore his beloved Mustang to its former glory.

Case Study 2: The Stolen Treasure

Sarah is the proud owner of a rare vintage Ferrari. She takes great care of her car and always ensures it is securely parked in her garage. One day, while Sarah is on vacation, her home is burglarized, and her cherished Ferrari is stolen. Luckily, Sarah had a comprehensive classic car insurance policy that included theft coverage.

She filed a claim and received the agreed value of her vehicle, allowing her to recover from the loss and start searching for a replacement.

Case Study 3: The Accident on the Road

Mark is driving his classic Chevrolet Corvette on a scenic coastal road when another driver runs a red light and collides with his vehicle. The impact causes substantial damage to Mark’s Corvette.

Fortunately, Mark had classic car insurance with collision coverage. He contacted his insurance provider, filed a claim, and received the necessary funds to repair his beloved Corvette back to its original condition.