Best Classic Car Insurance Companies (2022)

American Modern, Grundy, Hagerty, and J.C. Taylor are the best companies for classic car insurance. On average, classic auto insurance is about $17 to $50 a month. To get lower classic car insurance rates, reduce your annual mileage, and maintain a clean driving record. Shop around and compare the best companies for classic auto insurance to secure affordable rates.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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UPDATED: Jan 29, 2022

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The Highlights

  • Save money on classic car insurance by lowering your annual mileage
  • You may have trouble insuring a classic vehicle that’s not properly remastered
  • Many agencies partner with the best car insurance companies to insure classic cars
  • A classic car insurance policy will go beyond actual cash value to cover an agreed-upon value for your vehicle that you are comfortable with.
  • To qualify, your collector vehicle should be at least 25 model years or older.

Do you want to shop with the best companies for classic auto insurance? Classic car insurance is special insurance coverage for old vehicles that have been remastered into their former glory.

Our classic car insurer guide has everything you need to know about classic car insurance and which companies provide the best classic car policy.

Are you ready to shop with the best companies for classic car insurance right now? Enter your ZIP code in the free comparison tool above to compare multiple companies near you.

What are the best companies for classic car insurance?

Shopping for classic auto insurance isn’t like shopping for standard auto insurance. Vintage vehicles or Classic cars are expensive and rare.

Therefore, it’s essential that you find a car insurance company that can cover all your bases if your classic vehicle is damaged.

If you’re not sure where to start, check out this list of the best insurance companies for classic car insurance.

  • American Collectors/USAA – Annual mileage limit is 7,500 miles
  • American Modern/GEICO – Unlimited annual mileage limit
  • Grundy – Unlimited annual mileage limit
  • Hagerty/Progressive – Unlimited annual mileage limit
  • J.C. Taylor – Unlimited annual mileage limit
  • Safeco – Annual mileage limit is 10,000 miles
  • State Farm – Annual mileage limit is 2,500 miles

The best classic car insurance companies provide an unlimited annual mileage limit. Most companies have a 10,000-mile limit. However, some classic car insurers will place a mileage restriction on the vintage vehicle. 

J.C. Taylor, Safeco, and Grundy’s classic car insurance are what are known as “stand-alone” insurance agencies.

Also, some companies partner with some of the best auto insurance companies in the United States.

What is the best classic car insurance by vehicle type?

Some classic auto insurance companies are better with different vehicle types. We researched which companies are best with classic hot rods, replicas, and other vehicle types.

Classic Car Insurance Companies Coverage by Vehicle Type
Classic Vehicle TypeCompanies That Cover Car Type
Classic Hot RodAmerican Collectors, American Modern, Grundy, Hagerty, J.C. Taylor, Safeco
Kit CarAmerican Collectors, American Modern, Grundy, J.C. Taylor
Military Antique CarAmerican Modern, Hagerty, J.C. Taylor
ReplicaAmerican Collectors, American Modern, Grundy, Hagerty, J.C. Taylor, Safeco
Restoration CarAmerican Collectors, American Modern, Hagerty, State Farm
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American Modern is the most versatile classic car insurance company. The agency is partnered with GEICO – one of the top-ranking insurance companies in the United States.

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How much are classic car insurance rates?

On average, classic car insurance quotes produce monthly rates around $17 to $50 a month.

Compared to the NAIC average, standard auto insurance is about $29 more than the average classic auto insurance rate.

Before you buy classic car insurance, shop around at multiple insurance companies until you find a policy that works for your budget.

Several factors determine whether affordable classic car insurance is available to you.

Here is a list of factors that determine classic auto insurance quotes.

  • Classic vehicle model year
  • Condition of the classic vehicle
  • Annual miles
  • Where your classic vehicle is stored
  • Age and experience of the driver
  • Driving record
  • Insure additional cars

Classic cars (also called weekend cars or collector cars) are usually vehicles you don’t use frequently.

To secure cheap classic auto insurance rates, you’ll need to have a good driving record and a classic car in excellent condition.

Classic car insurance companies may not insure a classic vehicle that’s in poor condition.

Are there any classic car insurance requirements?

Classic auto insurance requirements vary for each company. However, there are six essential characteristics that most classic car insurance companies require. Let’s examine those factors below.

  • The vehicle is over 20 years old
  • Your classic car is stored in a garage
  • You maintain a low mileage limit per year
  • Maintain a clean driving history
  • The policyholder has another insured vehicle
  • The classic vehicle is in good condition and undergoes routine maintenance

These are only examples of what some classic auto insurance companies provide. You’ll see various requirements as you shop around.

Why is my classic vehicle not eligible for classic car insurance?

Some insurance companies will deny classic auto insurance requests. The three main reasons why you may not be eligible for classic car insurance are:

  • Your classic vehicle is in poor condition
  • The classic car is designed for off-road driving
  • Your classic car is too damaged

Each company has different reasons why they won’t insure a classic vehicle, but these three conditions are usually why.

What does classic car insurance cover?

Classic auto insurance is like standard auto insurance. You’ll be able to include collision insurance and comprehensive coverage. However, there are unique insurance options such as spare parts coverage.

With classic auto insurance, you still need liability coverage. But we recommend full coverage car insurance. This will ensure that you’re ready for almost anything.

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What’s the difference between classic car insurance and standard car insurance?

Classic car insurance is about 30% cheaper. Auto insurance companies know classic vehicles aren’t driven as much. Therefore, standard car insurance is hundreds of dollars more than classic car insurance.

Also, Hagerty Insurance (Progressive Antique Auto Insurance) Progressive works directly with Hagerty Drivers Club to offer antique car insurance coverage. 

Best Companies for Classic Car Insurance: The Bottom Line

If you have a remastered vehicle that’s over 20 years old, you should consider getting classic auto insurance.

We recommend that you stick with the best companies that provide classic car insurance.

Now that you know more about the best companies for classic car insuranceuse our free online quote tool below to compare multiple companies in your area.

Frequently Asked Questions: Best Companies for Classic Car Insurance

Read on to see some common questions about the best companies for classic car insurance.

#1 – How do I find the best classic car insurance policy?

Shop around with the best insurance companies to secure cheap classic auto insurance.

#2 – How can I save money on classic car insurance?

Limit the number of miles you drive during your policy to save money on classic auto insurance.

#3 – What are the storage requirements for antique vehicles?

You must store your classic car in an approved garage or covered parking lot.

#4- Does Hagerty Divers Club offer roadside assistance

Alongside the standard types of car insurance, Hagerty provides spare parts coverage, trip interruptions, tools, and roadside assistance.

#5- Does State Farm offer restoration coverage or inflation guarding for my antique auto?

They will not bundle other insurance types

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