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Classic car insurance
A collector car shouldn’t be insured like a daily driver. Classic car policies use an agreed value, so you know exactly what you’d be paid, and they often cost less than a standard auto policy.
The short answer
Classic car insurance covers collector, antique and specialty vehicles for an agreed value set when the policy starts, instead of a depreciated market value at claim time. In exchange, carriers usually limit mileage and require the car to be garaged and not used for daily driving. Age rules vary by carrier, and many also cover modified and newer collectible cars.
Hurricane season matters for collectors here. Ask how your policy handles flood damage from storm surge, which comprehensive coverage generally includes for autos, and whether there’s coverage for spare parts and transport to shows. Your homeowners policy may not cover the car in your garage, so make sure the classic car policy does.
It depends on the carrier. Many consider cars around 20 to 25 years or older, and some also write newer collectible and exotic cars. Tell us about your car and we’ll check.
It often is, because collector cars are driven less and cared for carefully. Price still depends on the car’s value, your record and the mileage plan you choose.
Usually not. Most classic policies exclude commuting and daily use. If you drive the car every day, a standard auto policy with the right coverage may fit better.
