Does my car qualify for classic auto insurance? (2025 Coverage Explained)

Wondering does my car qualify for classic auto insurance? For your car to qualify for classic auto insurance, your vehicle must meet certain eligibility requirements. For example, most companies require cars to be at least 25 years old to qualify. 

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.  Read on to learn about classic car insurance requirements and how to find the best classic car insurance providers.

If you are on the hunt for affordable classic car insurance, enter your ZIP in our free tool. It will find and compare rates from companies in your area to help you find the best deal.

Cars That Qualify for Classic Auto Insurance 

Not every car will need classic car insurance. 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. For example, you won’t be able to get classic car insurance if your car can’t be driven safely or has sustained any significant damage. However, you still might be able to find coverage without proper storage if you shop for classic car insurance that does not require a garage (Read More: Best Classic Car Insurance Without a Garage).

Typically, you’ll need to meet these criteria for classic car insurance to purchase classic car coverage:

• 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. Ask your insurance company how old cars must be to get classic car insurance.
• Good Condition and Low Mileage: Your classic car needs to be in good condition and properly maintained, including keeping your annual mileage low. Annual mileage will affect car insurance rates, though how much will depend on the auto insurance company itself.
• Proper Storage: You can earn a discount on auto insurance if your car is in storage (Learn More: Best Garaging & Storing Auto Insurance Discounts). Most insurers prefer indoor, secure storage for collector vehicles, like a fully enclosed garage. Some companies may allow covered carports or alternative storage options that meet their antique car insurance rules.
• Clean Driving Record: Drivers with DUIs, excessive speeding violations, or other serious infractions may be denied classic car insurance. Learn how auto insurance companies check driving records.
• 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.

Check with your current car insurance company to see if you meet your company’s requirements for classic car insurance and if you can add coverage to your existing policy. You can also compare car insurance quotes from auto insurance companies that specialize in classic and collector car insurance.

Other Vehicles That Qualify for Classic Auto Coverage

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.

Read More: Best Auto Insurance for Sports Cars

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 and aren’t sure if it meets the requirements to get collectors car insurance, check with your insurer to see what kind of coverage they can offer.

How Classic Car Insurance Works

There are many different ways insurance companies determine the value of your car (Learn More: How Insurance Companies Determine a Vehicle’s 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. Unlike with regular cars, you don’t have to worry about your insurance changing as your classic car depreciates.

Your classic car insurance policy will typically cover comprehensive and collision auto 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 rather than a standard one. In addition, you can add coverage for special restoration or care that your classic car needs.

Where to Buy a Classic Auto Insurance Policy

If you need classic car insurance on your vehicle, many car insurance companies, like Geico and Progressive, offer classic or collector car insurance if your car meets the classic car insurance qualifications.

Take a look at some popular auto insurance companies that offer classic car insurance below.

Classic Car Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$40	$105
	$35	$95
	$42	$110
	$30	$90
	$38	$100
	$37	$97
	$33	$92
	$32	$93
	$36	$98
	$29	$88

USAA and Geico classic car insurance have some of the cheapest rates, and you will be able to add a classic car insurance policy alongside your regular-use one at these companies.

This makes policy management more convenient, as all your cars, both classic and regular, will be at the same company.

Other companies, like Hagerty, specialize in classic and collector car insurance (Read More: Hagerty Auto Insurance Review).

You can buy a separate policy from them if your car meets their collector car insurance requirements while maintaining your regular policy with your standard insurer.

Find Out if You Qualify for Classic Car Insurance

When does a car qualify for classic 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 while meeting your state’s auto insurance laws.

Check with your insurer to see if they offer coverage for classic cars or get a quote from a specialty insurer.

If you need to find classic car coverage today, use our free quote tool to get started. Whether you are shopping for classic car insurance in Arizona or California, it will help you find the best companies in your area.