Classic Car Insurance

Standard auto insurance does not accurately value classic and collector cars. Because insurers evaluate older vehicles using standard depreciation methods, a regular policy may leave you significantly underinsured if your restored or collectible car is damaged or totaled. Classic car insurance is built to protect your investment at its true collectible value.

Unlike standard auto insurance, a classic car policy accounts for:

• Agreed value coverage — you and the insurer agree on the car's value upfront, so there is no depreciation at claim time
  
• Limited mileage pricing — you only pay for the coverage you need based on how often you actually drive
  
• Collectible market valuation — your policy reflects what the car is truly worth, not what a standard system says a vehicle of that age is worth
  

We offer specialized coverage for:

• Antique and classic cars
  
• Modified and custom collector cars
  
• Reproductions and replicas
  
• Restorations in progress
  
• Modern classics

When applying for coverage, your carrier will typically consider:

• Usage — how and when you drive the vehicle; policies are tailored to reflect your actual driving habits
  
• Storage — most carriers require the vehicle to be kept in a locked, enclosed garage or secure structure
  
• Regular-use vehicle — since your classic is not a daily driver, some carriers require you to maintain a separate standard auto policy
  
• Driver history — your driving record is taken into account, as with any auto policy
  

Updated June 2026 by Christy Hogan