Classic car insurance typically includes coverage similar to standard auto insurance policies, along with specialized options tailored to collectible vehicles:

Liability Auto Insurance – Covers damage and injuries you cause to others in an accident. It also pays for legal defense fees if you are sued. This coverage is required in most states if you drive your classic car on public roads.
Collision and Comprehensive Insurance – Covers accidents, theft, vandalism, fire, flood, hail, falling objects, riots, and animal collisions.
Uninsured Motorist Coverage – Pays for medical expenses if you're hit by an uninsured driver. In some states, it may also cover vehicle damage caused by an uninsured driver.

Optional Classic Car Insurance Coverages:

Cherished Salvage Coverage – Allows you to keep your car if it's deemed a total loss.
Spare Parts & Automotive Tools Coverage – Covers rare or expensive spare parts for your classic car.
Vehicle Under Construction Coverage – Protects your car during restoration or modification.
Automobile Coverage – Offers specialized protection for vintage and collector cars.

Classic and collector cars are often more expensive than regular vehicles and require specialized repairs if damaged. Additionally, due to their value and rarity, classic cars are at a higher risk of theft or vandalism. Classic car insurance provides financial protection and ensures you can repair or replace your vehicle if necessary.

How Do You Qualify for Classic Car Insurance?
Beyond age, a vehicle's value and condition determine its eligibility for classic car insurance. According to the III, certain requirements may apply:

Limited Usage – Classic cars cannot be used for daily driving. Many policies include mileage restrictions and require you to have another vehicle for regular use.
Proper Storage – Some insurers require your classic car to be stored in a private garage or locked facility when not in use.
Car Show & Event Coverage – Some policies allow driving to auto shows and club events, while others require additional coverage for these trips.
Clean Driving Record – Some insurers require a clean driving history to qualify for or renew a classic car insurance policy.

Your classic car is a valuable investment—make sure it’s properly protected. Get in touch with us today to explore custom coverage options for your classic vehicle!

More than age, a vehicle’s value is considered when qualifying for classic car insurance. In addition, the III says you’ll likely need to meet other requirements. For example, a vehicle protected by classic car insurance typically cannot be used for everyday driving. A classic car insurance policy may include mileage limitations, and some insurers require proof that the car is stored properly and that you have another vehicle for routine driving.

Some insurers allow you to drive the vehicle to car shows and auto club events. If not, you may need special coverage for those kinds of trips, the III says. Additionally, the insured vehicle typically must be securely stored in a private garage or other locked facility when not in use.

Insurers may also require you to have a clean driving record in order to purchase or renew a classic car insurance policy.

Get in touch with us to learn more about coverage options so you can protect your classic car.