Compare classic car insurance

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.

Finder Rating: 4 / 5

★★★★★

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Best quote process: Progressive

Optional
Roadside assistance

New car protection

Accident forgiveness

• Info
• Features
• Details

Use Progressive's handy online comparison and quote tools to find the right policy, or compare Progressive's price with competitors to find the best deal. Progressive also lets you bundle nearly any kind of auto coverage, including classic cars, bikes and boats.

• Top-rated insurer with 80 years' experience
• Easy online sign-up and reporting
• Multiple discounts available
• Transparent quoting

• Some customer complaints
• Six-month policies standard

States served	All 50 states & DC
Roadside assistance	Optional
Pay schedule	12 months, 6 months
Claims methods	online, phone
New car protection	No
Accident forgiveness	Yes

Finder Rating: 4 / 5

★★★★★

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Best discounts: Liberty Mutual

Optional
Roadside assistance

New car protection

Accident forgiveness

• Info
• Features
• Details

Enjoy a wide range of discounts, including a usage-based discount if your car spends enough time being pampered instead of driven. Liberty Mutual also offers some of the best new and better car replacement programs for a new classic like a Mustang or Alfa Romeo.

• Roadside assistance
• Usage-based discount
• Better car replacement
• Nationwide coverage

• Coverage minimums vary by state
• Some access to agents
• Not always the best prices

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

Finder Rating: 4 / 5

★★★★★

Read review

Best one-on-one service: Chubb

Optional
Roadside assistance

New car protection

Accident forgiveness

• Info
• Features
• Details

Get personalized, one-on-one support with an auto specialist to repair your classic car to the manufacturer's specs. Plus, its perks include unlimited mileage for hobby driving, agreed value limits and 30 days of free coverage for new cars in your collection.

• No mileage limit for hobby use
• Repairs using original equipment manufacturer parts
• Newly acquired car coverage
• Car expert and dealer referrals
• Up to $10 million in worldwide auto liability

• High rates for low-value vehicles
• No online quotes

States served	All 50 states
Roadside assistance	Optional
Pay schedule	12 months, 6 months
Claims methods	online
New car protection	No
Accident forgiveness	No

How we chose the best classic car insurers

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 covers your car’s agreed value

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:

Classic car policies vs. standard car insurance

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:

Documents needed to get your car appraised

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.

5 main qualifications for classic car insurance

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.

1. Car age: Cars 20–25 years old are considered classics

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.

2. Type of car: Cover more than just your old car

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:

• Limited production models, like the BMW 1 Series M Coupe
• Modified cars, like a modified Ford Mustang GT
• Muscle cars, like the Chevrolet Chevelle SS
• Replicas of older cars, like a Ford Roadster replica
• Street legal performance cars, like the Chevrolet Corvette Z06

3. Condition: Your car must be in good shape

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.

4. Driving and parking: How you use your car is limited

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:

• Mileage limit — A limit of 6,000 miles per year is common, but each insurer sets different mileage limits. Some companies give unlimited mileage for pleasure rides.
• Driven for pleasure — You can’t use your car as your main get-around. But you can use it for weekend rides or car shows.
• Locked storage — You need to keep your classic in a locked, enclosed space like your garage when you’re not joyriding in it.

5. Driver eligibility: Some companies want safe, experienced drivers

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.

• Age — Some insurers want drivers to be a minimum age, such as 25 years old.
• Driving record — If required, insurers will detail how many violations you can have. This requirement is usually strict, such as one violation or at-fault accident within the past three years.
• Must own a daily driver — Classic car insurers expect you to own another car that you use as your main ride for work, school and errands.

Classic car insurance requirements by company

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	Classics 25+ years old Newer exotic or replica cars qualify	1,000, 3,000, 6,000 or unlimited mileage plans
Grundy	Classics 25+ years old Newer muscle, exotic or modified cars qualify	No limits
Hagerty, partners with Allstate and Progressive	Classics from 1979+ Collector trucks and SUVs from 1996+ Military vehicles 20+ years old Retired work vehicles 25+ years old	No limits, but can’t use as a daily driver
Heacock Classic	Classic cars built before 1980 Newer muscle, hot rods, replicas or collector cars qualify	6,000 miles per year
JC Taylor	Classics 19+ years old Varies in some states	No limits, but can’t use as a daily driver
State Farm	Classics 10+ years old Antiques 25+ years old Must have historic roots, like a muscle car or hot rod	Limited to pleasure driving or car shows

Compare classic car insurance

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Name	Product	Roadside assistance	New car protection	Accident forgiveness	Safe driver discount	Available states
Allstate		Optional			13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
Progressive		Optional			30%	All 50 states & DC	Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.	Get quotes More Info	Compare	loading Fetching your data...
Pretected		Optional			Yes	All 50 states	Get your most compatible insurance options via a "smart matching" method aimed at finding you value.	Get quotes	Compare	loading Fetching your data...
The AARP Auto Insurance Program from the Hartford		Optional			Yes	All 50 states	Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.	Get quotes More Info	Compare	loading Fetching your data...
Clearcover		Optional			Yes	AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV	Get instant online support and score a low rate thanks to online data that sets premiums automatically.	Get quotes More Info	Compare	loading Fetching your data...
Root					52%	Available in 31 states	Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.	Get quotes More Info	Compare	loading Fetching your data...
Branch		Optional			No	AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI	Benefit from this online-based startup’s steep savings and convenient online quotes and claims.	Get quotes More Info	Compare	loading Fetching your data...
USAA		Optional			Yes	All 50 states & DC	Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.	Get quotes More Info	Compare	loading Fetching your data...
Metromile		Optional			49%	AZ, CA, IL, NJ, OR, PA, VA, WA	Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			30%	All 50 states & DC	Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.	Get quotes More Info	Compare	loading Fetching your data...
Savvy		Optional	Depends on provider		Yes	All states & DC	Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.	Get quotes More Info	Compare	loading Fetching your data...
AAA					Yes	AK, AZ, CA, MT, NV, UT and WY	Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY.	Get quotes More Info	Compare	loading Fetching your data...
Elephant		Optional			10%	GA, IL, IN, MD, OH, TN, TX, VA	Get a great deal online with steep discounts and some of the highest liability limits available.	Get quotes More Info	Compare	loading Fetching your data...
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Classic car insurance costs less than standard auto insurance

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

• How we got these rates

  We pulled average rates using this profile:

  • 2017 model year
  • 10016 New York ZIP code
  • Single male driver, age 30
  • No previous claims

Classic car policies have typical insurance exclusions

A list of general exclusions applies to all classic car insurance policies. Your claim will usually not be paid for:

• Loss or damage that happens outside the US
• Tire damage from braking, punctures or cuts
• Mechanical, structural or electrical failures
• Repairs to existing damage
• Deterioration, rust, corrosion or wear and tear
• Fixing faulty repairs, unless as part of a claim
• Replacing lock barrels and coded keypads
• Depreciation or the loss of value of your vehicle
• Intentional loss or damage
• Damage from the legal seizure of your vehicle
• War, riot, civil unrest or nuclear activity
• Any act of terrorism
• Discharge of any pollutants from your car
• Not securing your car after a breakdown, collision or theft
• Damage to your standard daily driver, unless you have separate insurance

Bottom line

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.