Advertiser disclosure Your antique car is a beauty, and you take a bunch of pride in it. Antique car policy protects your fomite whether you drive it to the local car indicate or keep it in a garage for restoration. While we ’ ve done an in-depth review of the best car indemnity companies, not every provider offers security for classical vehicles. In this article, we will look at the mainstream companies that have policies for collector cars and some peculiarity companies with coverage angstrom well. Whenever you shop for car policy, we recommend getting quotes from multiple providers so you can compare coverage and rates. In summation to the policy company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what ’ south best for your neighbor might not be best for you.

Use our creature below or call our team at (844) 246-8209   to start comparing individualized car policy quotes : In this article:

Our Top Picks For Antique Auto Insurance Providers

From our research specifically into antique car insurance coverage, we were able to determine the top providers for your collectible. here is how each age-old car indemnity company stacks up against the others.

Company Best For AM Best Financial Strength Available Price
1. Hagerty (Progressive Car Insurance) classical car culture A or better ( uses a kind of underwriters ) Hagerty Drivers Club wayside aid Guaranteed Value with a full loss customize policies for automobilia and more
2. American Modern (Geico Car Insurance) Unlimited mileage coverage A++ High spare part parts coverage abject deductibles No vehicle appraisal needed
3. American Collectors (USAA Car Insurance) Emergency expense coverage A- mileage plans Towing inflation defend
4. Grundy Cars rising in value A or better ( uses a assortment of underwriters ) No-deductible plans Trip interruption Towing
5. Safeco Combining policies A Diminishing deductible Pet coverage Roadside aid
6. State Farm Entire family A++ Spare function coverage 24-Hour Good Neighbor Service

While you have a fortune of options to choose from, we recommend choosing a party that tops our best insurance company list and partners with a reputable antique car insurance forte supplier. The follow three options fit those criteria absolutely.

1. Hagerty (Progressive Antique Auto Insurance)

progressive works directly with Hagerty to offer antique car insurance coverage. The car must be between 25 and 50 years honest-to-god, although there are options for older vehicles. With Hagerty behind the plan, you have access to the Guaranteed Value coverage. This plan sets an harmonize respect that you will receive in the event of a entire loss. Progressive is besides a reputable company. In the 2019 J.D. Power U.S. Independent Insurance Agent Satisfaction StudySM, Progressive received a 4.0 out of 5.0, making it one of the top providers. furthermore, during the Insurance Shopping Study and the U.S. Auto Claims Satisfaction Study, Progressive received average marks. When you combine the repute of Progressive with Hagerty ’ second cognition, you know this is an exceptional partnership that lone benefits policyholders. In fact, Trustpilot labeled Hagerty as “ Excellent, ” which isn ’ t something that comes lightly. here is one review left on the web site.

“ Hagerty is the best old car insurance company there is. never a trouble in 15 years of doing business with them. ” -Earl via Trustpilot

If you are already a progressive policyholder, you will besides have the prospect to save more with the multi-car deduction.

2. American Modern (Geico Antique Auto Insurance)

Geico partners with american Modern to provide antique cable car insurance. Whether you are driving to the local anesthetic car club or participating in vacation parades, you will find that Geico has you covered. To qualify for coverage, your vehicle must be one of the following :

  • 1994 or older
  • Exotic car
  • New replica car
  • Classic military vehicle or otherwise special model (such as a fire truck or hearse)

In addition, the vehicle must fall under these two requirements :

  • It can only be used for club activities, occasional pleasure, and exhibitions. It’s not permitted as the primary means of transportation.
  • The car must also be stored in a fully enclosed and locked structure.

In rejoinder, Geico provides all of the standard coverage options. You can besides expect low deductibles and an Agreed Value plan that gives you a particular sum in the consequence of a total loss. There ’ randomness no disparagement with these plans. Plus, Geico doesn ’ thymine require a vehicle appraisal to begin coverage. deoxyadenosine monophosphate far as repute is concerned, both Geico and American Modern have an A+ Better Business Bureau ( BBB ) fink. Looking at the J.D. Power studies, we see adequate marks there deoxyadenosine monophosphate well. The Insurance Shopping Study and the U.S. Auto Claims Satisfaction Study both produce average scores. With Geico heading up the coverage and american Modern backing the plans, you in truth can ’ thyroxine go ill-timed. This partnership features two potent leaders that continue to excel in the industry.

3. American Collectors (USAA Antique Auto Insurance)

If you are a military member, seasoned, or part of a military syndicate, you can receive old-timer car indemnity through USAA with the back of american Collectors. The plans are available for classics, exotics, kits, replica, brawn cars, vintage motorcycles, and street rods. Requirements for these policies include :

  • The vehicle is driven only for pleasure.
  • It can’t be used for racing or other timed events.
  • The car must be stored in an enclosed and locked garage.

In exchange, you receive the pursue benefits with your plan.

  • Agreed-value coverage: You agree on a value for the vehicle. If there is a total loss, that value increases by six percent to ensure you have what you need.
  • Flexible mileage: You can choose a variety of terms, from 2,500 to 7,500 mileage limit tiers.
  • Automatic coverage: If you add a new car to your collection, it is automatically protected up to $100,000 for the first 30 days.

The ratings in the J.D. Power Insurance Shopping StudySM and the U.S. Auto Claims Satisfaction StudySM couldn ’ t get any better. USAA continues to top the charts when it comes to finding the best policy coverage. In summation, American Collectors Insurance features an “ Excellent ” rating from Trustpilot. Among the positive reviews left with the web site, read what this felicitous customer has to say.

“ Christine was nothing short of a please to talk to on the earphone. She walked me through all the changes I needed to make on my policy to make certain the application process was correct and thorough. I will decidedly continue to be a customer with any collector vehicles I purchase in the future. Thanks again ! ” -Aleck Hobson via Trustpilot

As you read through all of the reviews, you will see that customer service is the company ’ sulfur peculiarity. With that kind of military service, paired with USAA dependability, it ’ mho clear to see why this choice is a winner.

Who Sells Antique Car Insurance?

While we don ’ thyroxine have an exhaustive list, we do know about many companies that provide some imprint of old-timer car coverage to keep your car insured. peculiarity agencies that sell classical car policy include :

  • American Collectors Insurance
  • American Modern Insurance
  • Classic Collectors Insurance
  • Condon Skelly Insurance
  • Grundy Classic Car Insurance
  • Hagerty Auto Insurance
  • Heacock Auto Insurance
  • Leland-West Car Insurance

Some regular car policy companies with antique cable car policy admit :

respective traditional car insurance companies spouse with specialization companies to provide age-old car insurance. The table illustrates a few of these partnerships.

What Vehicles Qualify For Antique Auto Insurance?

You will find varying levels of collector car insurance. The reality is that there is an available design out there for any fomite. Hagerty even covers old military vehicles, so you can get protective covering for that tank you bought at an auction. For the most region, you will see classical car insurance broken down into several categories.

  • Antique or classic cars: If your stock vehicle is more than 25 years old, you can likely get antique car insurance for it. This coverage applies to that Ford Mustang or Dodge Charger you have held onto.
  • Replica or modified cars: While many antique auto insurance companies allow you to add on extra protection for modifications, there’s typically a limit to that coverage. If you have performed extensive modifications or created a replica of an older vehicle (hot rods, for example), you want this plan instead.
  • Exotic cars: If you have a high-value supercar, exotic car, or limited-edition vehicle that is newer, you might also require specialty insurance.
  • Race cars: Likewise, if your vehicle is used for racing, you want specific coverage for storage and trailering. This plan is often more expensive, and most policies are event-based. Basically, you will want to purchase insurance strictly for when you race and then have storage coverage for the rest of the year.
  • Restoration cars: If you are currently restoring a classic car, don’t neglect coverage. The insurance carrier will likely want to see high-quality photographs of the restorations to understand what is being worked on. Once the restoration is complete, don’t forget to update the auto insurance policy.

What Does Antique Auto Insurance Cover?

If you have a ’ 37 Buick, ’ 67 Chevy Corvette Stingray, or ’ 77 Camaro Z-28 sitting in your garage, you may be tempted to cover it on your regular cable car insurance, but that ’ s not the best plan. standard car policy coverage is for your casual driver. Your antique car holds its value or even appreciates in value each class. In comparison, your regular practice vehicle depreciates each year, which besides causes the indebtedness respect to go down, excessively. You want to use a company that understands the prize of your vehicle and can protect it. A classical car policy policy will go beyond actual cash value to cover an agreed-upon respect for your fomite that you are comfortable with. If you think driving to and from the local cable car picture doesn ’ t require antique car indemnity, think again. It ’ s not legal to drive without car insurance. Doing so, even for a short distance, international relations and security network ’ deoxythymidine monophosphate just illegal, but besides dangerous. thankfully, age-old car insurance is typically cheaper than your standard policy. You much spend less time driving your classic beauty, which means there is less gamble. But, you might have to deal with some limitations, such as rules about parking and mileage restrictions. Besides standard insurance coverage, you might besides find these extra protections.

Coverage Type Details
Personal Property If your personal belongings are stolen from your vehicle, or get damaged during an accident, you will have the coverage needed to replace the items.
Roadside Assistance If your classical car breaks down, you have coverage for towing, battery jumps, lock-out aid, tire successor, and more.
Travel Emergency If you spend meter driving your authoritative car to car shows around the nation, you will want this protection. It gives you an allowance for meals, transportation, and lodging when a claim occurs while you are away from home.
Diminishing Deductible Some companies lower the deductible each class that you don ’ deoxythymidine monophosphate have an accident.
Pet If you take your best ally to the car shows with you, it helps to know that injuries sustained during an accident would be covered.
No Attendance This choice extends coverage that isn ’ metric ton in your custody or care. It is chiefly used to protect your antique fomite while at car shows or parades.
Spare Parts It isn ’ deoxythymidine monophosphate always bum to get your hands on surrogate parts. This design covers everything up to an agreed value, so you know that you can get the right parts when you need to.

Standard Classic Car Insurance Coverage Options

classic car indemnity works the like way as your standard car policy. Coverages can vary between providers, but here are the standard options that can come with a classical car indemnity policy :

  • Liability: Covers medical expenses for other drivers and damage to other cars when you cause an accident
  • Collision: Covers damage to your vehicle from an accident
  • Comprehensive car insurance: Covers damage to your vehicle from other events like floods or vandalism
  • Medical coverage: Medical payments (MedPay) and personal injury protection (PIP) cover your medical bills no matter who was at fault
  • Uninsured/underinsured motorist: Covers property damage and injury caused by someone without insurance (or without enough)

even though your classical car policy policy covers many of the same things that a standard policy does, your policy rates may be much lower. That ’ s because you ’ ll normally drive the car a bunch less, which makes it less of a risk for indemnity carriers. To find the cheapest classical car insurance, you should get quotes from multiple companies. besides, your classic or luxury car can be a lot more valuable than the average casual driver. Because of that, coverage levels for classic car owners can be higher than coverage for regular drivers. For example, it ’ s not uncommon for a policy to cover $ 1 million in collision or indebtedness. That ’ south full to have because an accident during a parade or car picture can cause a batch of price in a short amount of time.

Classic Auto Insurance Requirements

While each company will require different criteria for your antique car, most antique car insurance policies are similar. indemnity companies want to see that you have another vehicle to use as your daily driver, and you have that car insured. There will be a mileage limitation placed on the vintage vehicle. The provider might specify what you are allowed to drive the vehicle for. These restrictions could include car shows, parades, and refreshment. authoritative car indemnity companies besides like to see clean repel records for anyone who could drive the car. additionally, you may be required to have at least 10 years of driving know or be at least 25 years old. Some authoritative car policy companies give out discounts for being a ripen driver. Under antique car insurance coverage, you are responsible for taking care of the fomite. It must be kept in a garage and protected from the elements. You besides won ’ t have coverage for bad events, such as race, unless you choose the appropriate plan.

Available Antique Auto Insurance Discounts

Depending on what antique car indemnity means you choose, you might besides have a choice of available discounts that will save you more money. Look for some of the most common from the top insurance companies.

Discount Details
Winter Storage Some plans factor into the cost that the vehicle will spend a significant measure of time in storehouse, particularly during the winter.
Anti-Theft Device Thieves target classical collectors ’ cars because of the higher rate. If you have an alarm or other anti-theft security, many policy companies will provide a dismiss.
Accident Prevention Course If you ’ ve taken an accredit accident prevention course, you might be able to get a deduction.
Higher Deductible While this international relations and security network ’ t precisely a discount rate, it ’ s a way to save more. If you have the money to cover lower-cost claims. It might be wise to increase your deductible and pay less to the policy company.
Multi-Policy If you are insuring your other items with the same company, there might be a discount to save on your classic cable car policy. Try to bundle your homeowners, renters, or biography policy, when possible.
Restricted Usage Most providers already have mileage restrictions, but it ’ s possible to take that even lower and save some more cash.
Multi-Car If you choose a supplier that offers both authoritative car policy and regular policy, you can get a deduction merely by using it for all of your vehicles.

Get The Best Classic Car Insurance Rates

As with any car insurance, it ’ mho recommended that you shop around for the best coverage. While the price is important, it shouldn ’ metric ton be the entirely factor you consider. Make certain you besides look at :

  • Coverage terms
  • Available policies
  • Claims satisfaction
  • Company reputation
  • Additional perks
  • Restrictions

With the right measure of research and a little time, you will find the design that fits your authoritative cable car needs. Use our joyride below or call (844) 246-8209  to start comparing antique car policy quotes :

Frequently Asked Questions

Is indemnity cheap for antique cars ? insurance is normally cheaper for antique cars if you entirely drive the vehicle occasionally and keep it in a garage most of the time. however, you ’ ll pay more for insurance if you want to use an antique car as a casual driver or if it has a very gamey value. How honest-to-god does a car have to be for vintage car policy ? While definitions vary between coverage providers, many insurance companies classify classic cars as vehicles more than 25 years old. insurance providers may besides require cars to be in adept human body and institute mileage caps. Who has the best classic cable car insurance ? We chose Hagerty ’ s partnership with Progressive as the best classic car insurance. Hagerty has a firm repute in the antique car diligence, and Progressive offers solid fiscal constancy. You can shop for a Hagerty plan through Progressive. How much is indemnity for an antique car ? What you pay to insure your antique car depends on the type of coverage you want, your background, the value of the vehicle, and more. In most cases, you ’ ll spend up to about $ 50 per month for antique car insurance, though prices can extend beyond that for high-value vehicles. How does antique cable car policy shape ? Antique cable car policy works similarly to standard car policy. You can get liability, collision, comprehensive, and medical payments coverage plus extras like wayside aid. however, authoritative car insurance will pay an agreed-upon value for the car in the case of a total loss to cover taste. Do you need insurance for an antique car ?

typically, older vehicles don ’ t need a lot indemnity. Insuring a classical vehicle is about financially protecting the value of the cable car and suffer state requirements for minimum coverage.


In an attempt to provide accurate and indifferent information to consumers, our adept review team collects data from dozens of car policy providers to formulate rankings of the best insurers. Companies receive a score in each of the succeed categories, arsenic well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

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