If you own a classical car, you need more than a standard car policy policy. The like is true if you own an antique, vintage or collector car .
Why shouldn ’ thymine you get standard car policy for a authoritative car ? Because while most cars depreciate in value over time, antique, classic and collector cars often maintain or even increase in value over time .
specify car policy policies for vintage vehicles normally pay out a negotiate “ agreed measure ” if these older cars are damaged, destroyed or stolen. Standard policies, on the other hand, give out the actual cash or stated value in such situations. If you buy criterion car policy for a classical car, the policy may not amply reimburse you if the fomite is in an accident or if something else happens to it .
That ’ s why you should buy authoritative cable car policy that provides special coverage for your collectible car. This article covers all you need to know about policy for everything from hot rods to muscle cars to historic vehicles, including :

What are the best classic car insurance companies?

If you ’ ra looking for the best classical car insurance companies around, you have enough of options these days — from peculiarity providers like Grundy and Hagerty to household names like State Farm and USAA .
Each of the providers highlighted below offers agreed rate coverage. With agreed value coverage, you and your insurance company’s underwriters determine the value of your classic or collector car together. If person steals your car, or if something damages it and causes it to be declared a sum loss, your insurance company pays you that agreed measure. This is a far shout from what happens if you buy stated rate coverage for your classic car. In that case, disparagement and subjective evaluation impact your payout after a claim .
For exemplar, let ’ s say you and your insurance provider decide your classical car is worth $ 150,000 for the purposes of agree measure coverage. then your car is involved in an accident and the insurance company declares it a sum personnel casualty. You ’ ll be paid $ 150,000, no questions asked. On the early hand, if you bought stated prize coverage for your vintage car, you might entirely be paid $ 50,000 for a total personnel casualty due to depreciation and other factors. Stated value is sufficient for standard cars, but it much doesn ’ thyroxine accurately score for an antique or collector cable car ’ sulfur curio .
With all that in beware, here are the best classic and collector car insurance companies to consider while shopping for this extra kind of car coverage .

American Modern

American Modern is a peculiarity insurance supplier for collector cars. It is partnered with GEICO. That means it could be an easy transition if you already have standard car coverage through GEICO .
Some of the benefits that make american Modern one of the best collector car indemnity companies :

  • Variety of mileage plans. American Modern offers 1,000, 3,000, 6,000 or unlimited mileage plans. So, there’s flexibility no matter how often you drive your collector car.
  • One flat-rate liability charge. Most standard car companies charge liability for every vehicle on a policy. American Modern charges a flat rate for all vehicles on a policy.
  • Coverage for spare parts. Stolen and lost spare parts are covered up to $2,000 or higher.
  • Several additional coverage options. Nationwide roadside assistance, full safety glass and foreign transport are all coverage options you can add to your policy.


Grundy is best known for insuring hot rods, though it besides insures modern muscle cars and alien cars of all years .
To get collector car indemnity from Grundy, you must :

  • Keep your vehicle in a fully enclosed garage.
  • Have a clean driving record.
  • Have a separate car for daily driving.

The concluding two bullet points apply to all drivers of a collector car, not just its owner .
What makes Grundy a top collector car indemnity ship’s company ? Two examples :

  • Unlimited miles for pleasure driving. Grundy sets no limit on the number of miles you put on your collector car for pleasure driving or similar activities. You just can’t use it for daily driving.
  • Trip interruption. This policy perk reimburses you for hotel and repair costs up to $600 in the event of a breakdown. It also reimburses you for towing and labor charges up to $250.


Hagerty offers classic cable car insurance for vehicles from 1979 and earlier, and collector car insurance for vehicles from 1980 and late. It partners with Progressive through the Progressive Classic Car by Hagerty program. If you have a standard policy with Progressive, ask your agent about getting collector car indemnity .
These key points help make Hagerty one of the best classic cable car insurance companies :

  • No fixed mileage restrictions. Like most classic car insurers, Hagerty doesn’t let you use your antique auto for daily driving. You can use it for exhibitions, organized meets and some pleasure driving, though.
  • Hagerty Drivers Club. This is a 24/7 full-service roadside assistance program designed specifically for collector cars.
  • Customized policies. Hagerty allows you to travel with your classic car, insures a car you’re restoring, and even covers automobilia and other valuable parts and tools.

J.C. Taylor

To qualify for antique and classic car insurance through J.C. Taylor, your elder car must be the factory original, in good or restore circumstance, kept in a lock and fully enclosed garage, and be used as a hobby vehicle .
J.C. Taylor is considered one of the best antique and classical car policy companies because of benefits like :

  • Coverage while traveling. This covers your classic car in the U.S. and Canada. Special arrangements can be made if you want to take it overseas.
  • No mileage limitation. J.C. Taylor’s antique and classic policy allows unlimited mileage for hobby purposes.

State Farm

Like most providers of collector car insurance, State Farm requires that you entirely drive your classical or old-timer vehicle on a circumscribed basis. If you have a criterion car insurance policy from State Farm, ask your agentive role about this especial coverage .
Why do some owners of vintage vehicles consider State farm to be among the best authoritative cable car indemnity companies ? hera are two reasons :

  • 24-Hour Good Neighbor Service. No matter what time of day or night, a State Farm agent is available to discuss your policy needs.
  • Spare parts coverage. Spare parts for your collector or classic car are covered up to $500.


USAA works with a leading classic car policy company to offer coverage for your antique, collector or vintage car. To qualify for a USAA classic car insurance policy, you must limit how much you drive your vehicle, not use it for racing, and memory it in a lock and insert garage .
USAA is a crown classic cable car policy party for those who are eligible because of these and other benefits :

  • Flexible mileage options. In most states, you can choose from a 2,500-, 5,000- or 7,000-mile classic car insurance plan. This is a great option for collectors who drive long distances for events and shows.
  • Automatic coverage. Qualified vehicles are automatically covered for up to 30 days for up to $100,000 when you add them to your collection.

How is classic car insurance different from regular car insurance?

authoritative car indemnity is unlike from regular or standard car indemnity in one authoritative room : classic car insurance policies pay out a guaranteed or agreed value rather than your vehicle’s actual cash value .
Some classic car indemnity policies are unlike from standard policies in early ways, excessively, such as by :

  • Limiting how much you drive your classic or collector car.
  • Covering original parts.
  • Charging lower premiums.

What is considered a classic car?

Whether or not a car qualifies for authoritative car insurance depends on several factors, including the vehicle ’ sulfur age, the condition it ’ south in, where it ’ south stored and how it ’ randomness used .


How erstwhile is a classical cable car ? Or when does a car become a authoritative ? For most companies, a car qualifies as a classic, and thus qualifies for classic car insurance, if it was manufactured at least 25 years ago. Others won ’ t sell you classic car insurance coverage unless your fomite was manufactured at least 30 or 40 years ago. And some won ’ metric ton sell you antique car indemnity unless your car is 50 years or older .


Most indemnity providers require a fomite to be the factory master, or at least restore with original factory parts, for it to qualify for collector or antique cable car insurance. They besides normally require your authoritative cable car to be in good or repair circumstance. That said, some classical cable car insurance policies cover autos that are being restored .


Auto insurance companies often require you to store your vintage auto in a locked and fully enclosed garage.


insurance companies typically require any car they cover with authoritative or collector cable car insurance to be used only as a avocation vehicle. That means you can ’ triiodothyronine use it daily as a commuter cable car. besides, some insurers require every license family penis to have a commuter car so they can guarantee the collector car is n’t used regularly .

Your driving record

Providers usually won’t sell you classic car insurance if you have any major driving violations on your record. Some only consider infractions from the past five years, so wear ’ thyroxine assume anything. Check with your insurance company to learn about its requirements in this area .

What does classic car insurance cover?

In a nutshell, classic car policy normally covers :

  • Physical damage to your classic car.
  • Damage or injuries you might cause while driving your classic car.

authoritative car indemnity policies besides much cover disable vehicles via wayside aid programs .

What does classic car insurance cost? 

classical car policy typically costs less than standard car insurance. How much less ? In general, classic car insurance costs 39% to 50% less than standard auto insurance.
This is because people who own classical or collector cars don ’ deoxythymidine monophosphate drive them much. Of course, many companies require this when they sell person a classical car policy policy. They often don ’ thymine lease you drive a authoritative car daily .
At any rate, how much you pay for classic car indemnity coverage depends on several factors, including :

  • Where you buy it.
  • Where you live.
  • Your vehicle’s agreed value.
  • How much you drive your vehicle.
  • Where you store your vehicle.
  • Whether you qualify for any discounts.
  • Your policy deductible.

To get your best rate for classical car policy, take the fourth dimension to compare quotes from several companies.

Compare quotes from top companies and get your best rate for classic car insurance

How to get the cheapest classic car insurance

If you want to get the cheapest authoritative car indemnity possible, try one or more of the following :

  • Drive less.
  • Consider getting a policy with a mileage limit, or a lower mileage limit.
  • Raise your deductible.
  • See if you qualify for any discounts.

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