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Classic car insurance protects your vintage ride at its true, appraised value while giving free perks like car repairs with original parts. This policy is built for classic cars used for weekend joyrides or car shows — not for everyday driving. If this describes you and your car, check out our list of top insurers and compare their coverage, perks and classic car requirements to qualify for a policy.
The best classic car insurance companies let you enjoy your ride with high mileage limits, top-notch customer service and perks built in to your policy, such as car repairs with original manufacturer parts. We chose top insurers that blend these features, including companies that insure both classics and daily drivers for your convenience.
| States served | All states except CA MA ME NJ NY WA |
|---|---|
| Roadside assistance | Optional |
| Pay schedule | 12 months, 6 months |
| Claims methods | online, phone |
| New car protection | No |
| Accident forgiveness | Yes |
| States served | All 50 states & DC |
|---|---|
| Roadside assistance | Optional |
| Pay schedule | 12 months, monthly |
| Claims methods | Online, Phone |
| New car protection | Yes |
| Accident forgiveness | Yes |
★★★★★
| States served | All 50 states |
|---|---|
| Roadside assistance | Optional |
| Pay schedule | 12 months, 6 months |
| Claims methods | online |
| New car protection | No |
| Accident forgiveness | No |
To bring you the best classic car insurance choices, Finder’s experts analyze insurance companies for their customer and claims satisfaction scores, coverage, discounts and perks designed for classic cars. Our editorial team spends thousands of hours researching and analyzing hundreds of car insurance companies.
Classic car insurance insures your much-loved vehicle for its agreed value, which is the amount that you and your insurer agree that your car is worth. Your insurer will pay up to the agreed value if your car gets totaled in an accident.
Agreed value considers your car’s historic or collector’s value, a value that stays the same or rises over time. For example:
This difference shows how classic cars can be worth more than the sum of their parts, even if you adjust the original price for inflation.
By contrast, a standard car insurance policy uses your car’s market value, the amount that your car is worth today after factoring in depreciation. A car’s market value tends to decrease over time. For instance:
After five years of owning your Corolla, the depreciated value of $15,500 is the amount that a standard car insurance policy will pay if the car is totaled.
To agree on the value for your classic ride, you may need it appraised through an appraiser or car valuation service. You may need photos of your car or a ratified value document from an owners club.
The insurance company or appraiser also may want receipts for modifications or accessories and a report of past car damage.
Most classic car policies give you extra coverage and perks as a standard part of the policy, although insurers differ in the exact perks they offer.
Your policy might include coverage for:
To buy classic car insurance, you and your car will need to meet several criteria, including your car qualifying as a classic based on its age, body style or performance features. Look at what insurance companies require for your car, how it’s used and the drivers that your insurer will cover.
What qualifies as a classic car varies by insurance company. Most companies want your classic or antique car to be at least 20–25 years old.
But this criteria doesn’t mean that classic insurers won’t cover a newer car. You’ll find some that accept cars as new as 10 years old, especially if it’s a rare or collector model.
Your car might qualify for classic insurance if it’s considered a collector car for reasons other than its age. Types of cars that fit this mold:
Insurance companies may require you to show that your classic car is restored or maintained in good condition. Think drivable and free from chipped paint, car accident damage, dents, scratches or rust.
One reason for this requirement is that an unmaintained classic probably isn’t safe on the street, making it risky to insure.
Along with your car’s age and body type, classic car insurers have requirements for how you use your car and where it’s stored. Those include:
Finally, you may need to meet a few standards for your age and driving record to qualify for classic car insurance. However, not all companies set these standards for drivers. You can look at other insurers with fewer eligibility rules if you don’t meet these.
To give you an idea of which cars qualify, we researched the age and mileage requirements listed by classic car insurance companies.
Since our list of the cars accepted is not exhaustive, you may want to call if you’re not sure if your car qualifies.
| Insurance company | Car age | Mileage limits |
|---|---|---|
| American Modern, partners with Geico |
| 1,000, 3,000, 6,000 or unlimited mileage plans |
| Grundy |
| No limits |
| Hagerty, partners with Allstate and Progressive |
| No limits, but can’t use as a daily driver |
| Heacock Classic |
| 6,000 miles per year |
| JC Taylor |
| No limits, but can’t use as a daily driver |
| State Farm |
| Limited to pleasure driving or car shows |
Collector car insurance typically costs less than standard auto insurance since classic car owners tend to drive their vehicles less. Compare average annual car insurance rates for 10 modern classic cars. Your car’s make, model, trim and year are the biggest factors that affect your actual rates.
| Make & model | Average annual rate |
|---|---|
| Nissan GT-R | $158 |
| Lotus Evora | $424 |
| Lotus 3-Eleven | $464 |
| Chevrolet SS | $164 |
| Porsche Cayman | $108 |
| Dodge Viper | $170 |
| Ford Mustang | $166 |
| Chevrolet Corvette | $238 |
| Audi TT | $128 |
| Dodge Challenger | $245 |
A list of general exclusions applies to all classic car insurance policies. Your claim will usually not be paid for:
Cut the cost of protecting your valuable classic with a little work before signing up for or renewing your policy.
Classic car policies help you get the coverage you need for strolling around town or going to car shows. But they also consider the lower mileage that you probably drive with your classic compared to your main vehicle.
That said, since these policies are designed for classics alone, your car will need to fit your insurance company’s definition of a classic to get approved. Weigh the classic car insurers available against each other, and get quotes to find the right policy for you.
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