Classic Car Insurance

Classic car insurance FAQs

What qualifies as a classic car for insurance?

Generally 20-25+ years old, in good condition, used mainly for shows, parades, or pleasure driving — not daily commuting. Antique, collector, and modified classics each have slightly different criteria. Your car's value, rarity, and usage determine which specialty program fits.

How is classic car insurance different from regular auto insurance?

It's built around agreed value — you and the insurer agree on the car's worth upfront, so a total loss pays that full amount instead of depreciated "actual cash value." Premiums are often lower too, reflecting limited mileage and careful owners. Regular auto policies would massively undervalue a collector car.

What is agreed value coverage?

You and the insurer settle on the car's value when the policy starts (backed by appraisal or documentation). If it's totaled or stolen, you get that agreed amount — no haggling over depreciation. It's the single most important feature of classic car insurance.

Are there mileage restrictions on classic car insurance?

Most specialty policies include annual mileage limits (commonly 2,500-7,500 miles) and require the car be garaged. If you drive more or want flexibility, say so upfront — there are programs for higher-mileage collector cars. Honesty here prevents claim problems later.

Does classic car insurance cover me driving to shows?

Yes — pleasure driving, shows, parades, and club events are exactly what these policies are designed for. What's typically excluded is daily commuting, racing/competition, and commercial use. Tell us how you actually use the car and we'll match the right program.