Classic Car Insurance
Classic car insurance is a special type of policy that helps protect antique or classic cars. Definitions of a classic car can vary, but the Insurance Information Institute (III) says a car is considered a classic when it's at least 25 to 30 years old.
Ready to Shop Classic Car Insurance?
Frequently Asked Questions
What does classic car insurance cover?
Here's what's usually covered by a standard classic car policy:
​
Physical damage to your classic car:
Classic car insurance provides comprehensive and collision coverage, and it specializes in covering your vehicle's agreed value. Instead of sweating depreciation like you might with regular car insurance, you'll receive your car's insured value if your vehicle is stolen or totaled, minus any deductible. Plus, repairs using any original parts your car had before an accident (not cheaper aftermarket parts) can be covered.
​
Damages/injuries you cause to others:
Classic car insurers provide at least the minimum liability required by your state. Progressive Classic Car by Hagerty generally matches the amount of liability coverage on your everyday auto policy.
​
Roadside assistance:
Classic car insurers usually offer the option to purchase full-service roadside programs featuring flatbed towing with soft straps. Hagerty's optional roadside assistance includes towing to the nearest repair facility, winching, battery jump-start, fuel delivery, lockouts, and flat tire changes.
​
Other optional coverages offered by Hagerty:
You can also add on coverage for spare parts and automotive tools, automobilia (collectible items on your vehicle), increasing limits while your vehicle is under construction, and — if your vehicle is totaled — the right to keep your salvaged classic while still receiving your Guaranteed Value® payout.††
How much classic car insurance do I need?
At a bare minimum, you need to carry the amount of car insurance required in your state. However, that likely won’t be enough to protect you in a serious accident.
​
Drivers who want to be fully protected should buy the highest levels of insurance they can comfortably afford. For the vast majority of at-fault car accidents, liability limits of 100/300/100 would be more than enough coverage to pay for all of the damage you caused. Coverages like UM/UIM and PIP can help pay your medical expenses if you are hit by someone who doesn’t have insurance. Adding comprehensive and collision insurance is an excellent way to make sure your car is protected if it is damaged, totaled, or stolen.
Ready to shop Classic Car Insurance?
Are classic cars more expensive to insure?
Classic cars may be more expensive to insure than standard vehicles due to their higher value and the specialized coverage options they require. However, they may also qualify for lower rates if they are used infrequently or only for pleasure driving.
Can I insure a classic car for daily use?
It's possible to insure a classic car for daily use, but it will typically be more expensive than insuring a standard vehicle. Some classic car insurance policies may also have restrictions on the number of miles the car can be driven each year.
Ready to shop Classic Car Insurance?
What Our Clients Say
