Classic Car Auto Insurance 101

The average cost of classic car auto insurance in the US is $50.47/mo. Classic car auto insurance rates often vary due to numerous factors including the value of the car, how often it is driven, your personal driving record, gender, credit score, and ZIP code. Classic car auto insurance policies are much more specific to you and the vehicle rather than the more one-size-fits-all approach to general auto insurance policies.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Oct 19, 2021

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Things to Remember...

  • Figure out what your car is classified as
  • Look into special restrictions your insurance company may have on specialty vehicles
  • Several factors will go into determining what your auto insurance rates will be

Classic cars must be properly insured, just like any other car. But insurance for a classic car may be more complicated than for a regular car. Part of the reason is that these cars are rare. Another reason is that they appreciate in value over time rather than depreciate like most cars.

There are very specific requirements that define a classic car, antique car, or specialty car in the eyes of auto insurance companies.

If you’re looking to jump right in and get a classic car auto insurance quote, just enter your ZIP code into our FREE online quote comparison tool. Our tool will provide you the best auto insurance quotes based on your demographic information and location.

You can also check out our analysis of the best auto insurance companies in 2021 and see how they differ in terms of average auto insurance rates, market shares, financial strength ratings, and more.

Now, let’s cover a few of the basics that make a classic car — and insuring a classic car — different than a regular car.

Defining a Classic Car

Just how old is that car you are painstakingly restoring? This can play a big role in how your car is classified in the eye of auto insurance companies. There are two big classifications when it comes to auto insurance.

  • Classic car
  • Antique car

The first classification is a “classic” automobile. Classic cars are generally those cars manufactured between 1940 and 1970. There are some exceptions to this rule, though. These exceptions have to do with model runs, car companies, and other various car factors.


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Defining an Antique Car

The second classification is an “antique” automobile. This classification applies to cars made before 1940. Talk with your auto insurance agent to find out what classification your car truly falls into.

These classifications don’t mean one auto insurance rate will be better or worse than the other will. Model runs, parts availability, and how prolific the car was will still play into your rates.

A car like the 1920s era Ford Model T will classify as an antique but will have cheaper auto insurance rate than a classic like the 1960s Ferrari 33 TRI/LM. The reason the Model T will cost less to insure if there were millions of them made.

The Ferrari? Well, good luck even finding the car. It is also helpful to know that auto insurance rates for classic cars and antiques likely vary according to which state or area you live in. If you reside in one of the best states for classic car owners, you could see lower auto insurance rates and even lower car registration rates.

Restrictions Apply to More Than Speed Limits

Restrictions will also be a big part of your auto insurance policy. Once you find a company to put a policy on Ol’ Bessie, you will need to talk to the agent about what you are and are not able to do with your car.

These restrictions can range from something as simple as the requirement to trailer the car to car shows.

You may only be allowed to drive the car in parades or on Sundays and government-recognized holidays.

These restrictions might even apply to how you store your car.

These restrictions can get even more severe depending on the car itself. Higher auto insurance rates might come into play if you or anyone in your household has some sort of ticket on their driving records.

Make sure you sit down with your auto insurance agent to go over all the fine details of your new policy. You don’t want something silly like driving your car in a parade on the Fourth of July to make your policy null and void.

Classic cars are a great snapshot of where our autos have come from. Make sure you keep that car in mind when you start hunting down auto insurance for your classic ride.

We know your classic car is important to you and finding the best insurance quote and company is essential to keeping it safe and you financially secure. To find the best rates for your car, demographics, and area, plug your ZIP code into our online quote generator.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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