Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • Antique autos are unique and require a unique type of insurance
  • Insuring classic cars is cheaper than other types of cars but requires special agreements on mileage
  • Take care of your investment and you may qualify for discounts on classic car insurance
  • Protect your investment by insuring your classic and locking it up when not in use

If you are looking for insurance for antique autos, there are some things you need to know when searching. Antique car insurance is not like other auto insurance.

There are some very specific requirements for antique auto coverage that you don’t find with regular vehicles.

In this post, we will examine some of the key features of a good auto insurance policy for antique autos so that you will know what to look for when searching for your insurance.

It’s a good idea to compare multiple insurance quotes to make sure you don’t overpay for coverage. Enter your zip code in our free tool above to get started!

State Minimum Coverage Amounts


Just like any other type of car, you are responsible for making sure that your classic car carries the minimum required car insurance while in your state of residence.

This includes the following:

  • Bodily injury liability
  • Property damage liability
  • Uninsured or underinsured motorist insurance in some states

Make sure you are meeting the state requirements by going to the state map. Then consult with your antique car insurance agent to see how this is covered by your policy.

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Age Requirements for a Classic Car

Before you can insure your antique auto, you should know that there is an age requirement to consider a car an antique or classic car.

A car must be at least 10 years of age before it is considered an antique car.

Modern classics are limited production cars that are less than ten years old and do not have any modifications.

Many of these cars have been restored to their original condition and do not show any damage that would lower the value of their classic status.

The Cost of Insurance for a Classic Car


The good news for antique auto owners is that insurance for these kinds of cars is relatively inexpensive to purchase. There are some reasons for this.

  • Classic cars are not all expensive  Despite the fact that some classic cars cost over six figures, this is not the norm. In fact, many classic or antique cars can be purchased for less than $30,000.
  • It does not cost much to fix them – Classic cars are not expensive to fix, and they are not usually involved in severe accidents.
  • Classic car owners do not drive their cars many places or over long distances  Since old car owners only drive their cars over a limited distance, there is not as much risk to insurance companies. Therefore, they will usually offer a much lower rate for your classic car.
  • The only challenge is locating the parts  Though it is not difficult to fix up a classic or antique vehicle, there is sometimes difficulty in locating the parts to get the car back to the original standards of when it was made.

The Classic Car Club of America is considered the standard organization for classic or antique cars in the United States. They offer discounts on memberships sometimes and being a member of this exclusive organization may help you save money on your car insurance.

If you are shopping for classic car insurance, be sure and tell your agent that you are a member of the Classic Car Club of America and you may qualify for some discount on your insurance. It’s worth a try.

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Classic Car Definitions Vary

It is important for owners to realize that classic car definitions vary from company to company so it is important to ask the right questions to find out whether your car would be considered a classic automobile by the insurance company that you are considering.

Shopping and comparing policies and prices on our site allows you to try on various car companies for size.

One thing you can do to increase your chances of getting better deals on your car insurance is to register your car as an antique car.

Classic car registration can be done at the time of purchase or any point that your car is considered an antique.

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Tips for Classic Car Owners


If you are a classic car owner, there are some things you can do that may lower your insurance premiums and ensure that you get the best deal on antique car insurance.

  • Do what you can to protect your investment  A classic automobile is an investment, just as a painting or any other collection is that has monetary value. The value of the antique car is in the car itself and the preservation of the car, not how much it would cost to repair it.
  • Get comprehensive coverage  The only thing that will protect your investment from theft or acts of nature is comprehensive insurance. So when you shop for insurance for your classic car, be sure to get this important coverage.
  • Limit driving to events and low mileage distances  Many insurance companies will ask you to sign a form stating that you will only drive your car to short distances to reduce the risk of an accident.
  • Lock up your classic car when it is not in use  Theft is perhaps the greatest danger to classic cars. That’s because antiques are worth money and thieves know it.

Driving Safely in a Classic Car

The main factor that influences your premium rates besides the type of car that you have is your driving record.

By keeping your driving record clean and free of traffic violations, you will keep your premiums low and under control.

Remember to practice some common safety tips when driving a classic car:

  • Drive at a moderate pace  Remember that a classic car is not a race car. Some of them may be a race car type vehicle. But that doesn’t mean that you should speed through the city limits and risk an accident.
  • Be aware of other traffic  As alluded to above, your classic car may be in the company of other drivers who are not as careful as you on the road. They may be in a hurry, and they may not slow down or stop for you just because your car is an antique.
  • Follow all safety rules  By following all safety rules, you will be less likely to have a collision or put your car or yourself at risk.
  • Be alert to any malfunctions  Remember that your classic car is older than most cars on the road, so it is prone to more malfunctions. Always be aware of the status of your classic car and get it checked out when needed.

Classic car insurance is not extremely expensive but it is hard to replace the parts of an older car. That is why you should take extra steps to protect your investment and get comprehensive insurance to protect it.

Make sure and tell your agent that you need class car insurance so that you will be directed to the right place. Shop and compare policies for the best deals on classic or antique car insurance.

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