Does my car qualify for classic car insurance?

Insuring a classic car is a little different than just purchasing a policy for an everyday-use vehicle. We'll cover the requirements necessary for your vehicle to classify as a classic, and what type of policy you'll need.

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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: Jun 20, 2022

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Things To Remember

  • Classic car owners must meet specific requirements to qualify for specialty coverage
  • Usually, your vehicle needs to be at least 25 years old, in good condition, and with proper storage
  • You cannot get classic car insurance on your primary vehicle

If you own a classic or collector vehicle, classic car insurance can offer special protection due to the unusual circumstances of owning a collector car. 

To get classic car insurance, you and your vehicle must meet certain eligibility requirements. Read on to learn about classic car insurance requirements. 

Classic Car Insurance Requirements

Many people think classic cars are just cars of a certain age, but you’ll need to meet specific requirements for most classic car insurance policies. 

Classic car insurance requirements vary from insurer to insurer. Typically, you’ll need to meet these qualifications to purchase classic car insurance:

  • The vehicle is over 25 years old. This is typically considered the cutoff age for classic car insurance, but it may vary from insurer to insurer. 
  • Good condition and has low mileage. Your classic car needs to be in good condition and properly maintained, including keeping your annual mileage low. Your annual mileage will affect your car insurance rates, though how much will depend on the auto insurance company itself
  • Proper storage. Most insurers prefer indoor, secure storage for collector vehicles, like a fully enclosed garage. Some companies may allow covered carports or alternative storage options. 
  • Clean driving record. Drivers with DUIs, excessive speeding violations, or other serious driving infractions may be denied classic car insurance coverage. 
  • Use a different primary vehicle. Classic car insurance can’t cover your primary vehicle. You can only use your covered classic car for clubs, exhibitions, and other pleasure driving. You must have another car you use for commuting or other regular driving. 

You won’t be able to get classic car insurance if your car can’t be driven safely or has sustained any kind of significant damage. 

Check with your current car insurance company to see if you can add classic car insurance coverage to your existing policy. You can also get car insurance quotes from companies specializing in insuring classic and collector car insurance. 

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How old does a car have to be to get classic car insurance?

Most insurers require vehicles to be more than 25 years old to qualify for classic car insurance. However, some insurance companies or states may allow classic car insurance on cars as little as 10 years old, depending on other factors like usage or historical importance. 

Check with your insurance company and other classic car insurers to find out if your car meets the age requirement. 

What vehicles qualify for classic car insurance?

Classic car insurance applies to regular passenger vehicles like muscle cars and sports cars, but other types of vehicles can qualify for collector insurance, too. If you’re looking for sports and muscle car insurance specifically, know that it does tend to be a bit more expensive than your standard auto policy. 

Here are some other types of vehicles covered by classic car insurance:

  • Newer collector vehicles, like limited editions
  • Modified cars, like hot rods or street rods
  • Antique farm vehicles and equipment
  • Antique military vehicles

If you have an unusual vehicle you’d like to insure, check with your insurance provider to see what kind of coverage they can offer. 

How does classic car insurance work?

There are many different ways insurance companies will determine car value. Classic car insurance works differently than a standard car insurance policy. With standard insurance, the company will pay up to the car’s actual cash value in the event of damages. 

With a classic car insurance policy, you’ll agree on a value for your car upon purchase. Sometimes called the guaranteed value, it’s typically based on the appraised value of your classic car. Unlike regular cars, you don’t have to worry about your insurance changing as your car depreciates. 

Your classic car insurance policy will typically cover comprehensive coverage and collision car insurance up to the guaranteed value of your car. You’ll also need to meet your state’s minimum liability coverage requirements. 

You’ll get complete coverage for a collector car on a classic car policy than a standard one. In addition, you can add coverage for special restoration or care that your classic car needs. 

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Where can I get a classic car insurance policy?

Many car insurance companies, like GEICO and Progressive, offer classic or collector car insurance. You may be able to add a classic car insurance policy alongside your regular-use one with the same company. 

Other companies like Hagerty auto insurance specialize in classic and collector car insurance. You can buy a separate policy from them while maintaining your regular policy with your standard insurer. 

The Bottom Line on Classic Car Insurance

You need to meet specific requirements for vehicle use, storage, and age to qualify for classic car insurance. If you do, collector insurance can provide valuable coverage for your classic vehicle, guaranteeing a payout value in the event of damage. Check with your insurer to see if they offer coverage for classic cars or get a quote from a specialty insurer.

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