Collector & Classic Car Insurance – Protecting Your Passion
Your classic car is more than just a vehicle—it’s a piece of history, an investment, and a labor of love. Whether you spent years restoring it yourself or found the perfect showpiece, we work with specialty insurers to help you protect its true value.
What Qualifies as a Classic or Antique Car?
Not all older cars qualify for collector car insurance. Here’s how the industry defines them:
Classic Car
A vehicle 10 to 24 years old with historical interest.
Antique Car
A vehicle over 24 years old with historical significance.
Does Your Car Qualify for Classic Car Insurance?
Collector car insurance isn’t just about age—it’s about how the vehicle is used and maintained.
Limited Usage
Your classic car should be used primarily for pleasure driving, car shows, exhibitions, or club activities—not as a daily driver.
Excellent Condition
Your car must be restored, well-maintained, or undergoing active restoration. Some insurers may decline coverage if the car is not in good condition.
Proper Storage
The vehicle must be stored in an enclosed building like a garage or storage facility.
How Collector Car Insurance Works
Unlike standard auto insurance, classic car policies use an agreed value model. This means:
- You and the insurer agree on the car’s value upfront.
- In the event of a total loss, you receive the full agreed-upon value rather than actual cash value (depreciated market value).
What Impacts Classic Car Insurance Costs?
Several factors determine your insurance premium:
Agreed Value
The higher the insured value, the higher the premium.
Deductibles
Raising your deductible can help lower your premium.
Vehicle Type & Condition
Kit cars, hot rods, and restored vehicles all factor into pricing.
Additional Protection for Classic Car Owners
Spare Parts Coverage
Some policies provide up to $500 coverage for spare parts.
24/7 Support
Get assistance any time you need it.
Under Construction Coverage
Protects vehicles in the process of restoration.
Helping You Find the Right Protection
We believe in educating classic car owners about their insurance options, providing personalized service, and shopping with multiple specialty insurers to find the best coverage at the best price.
Your car is one of a kind—your coverage should be too. Let’s explore your options together.
Additional Vehicle Insurance
Motorcycle Insurance
Coverage for your motorcycle
ATV/Off-Road Insurance
Coverage for your off-road vehicle
Car Insurance
Coverage for your auto
RV Insurance
Coverage for your motorhome
Antique Car Insurance
Coverage for your antique car
Boat Insurance
Coverage for your boat