Classic Car Insurance

You’ve carefully restored your ride, now it’s time to customize an insurance policy that will cover your antique or collector car just as carefully. In fact, proper coverage is the most important thing for your classic investment.

Classic car insurance and you

Because the marketplace values classic and collectible cars differently, you will need a policy that provides different coverage than “regular use” drivers. Since classic and collectible cars often register as older vehicles, they aren’t evaluated at their true market value, according to standard insurance practices. So, if you have an accident, you could end up paying the difference out of pocket for repairs or replacements you’re not fully insured for.

We understand how much time and effort you put into your car. That’s why we offer specialized insurance for antique and classic cars, modified collector cars, reproductions, replicas, restorations, and modern classic cars.

With classics collectibles, one size does NOT fit all

In the same way you’d customize your ride, you need a customized classic car policy, which takes into account the car's collectible value, the miles you drive each year, and many other personalized adjustments.

But unlike standard auto insurance policies, you only pay for what you need because you don't need full-time coverage. You may be surprised by how affordable coverage can be for the average classic and collectible car owner.

How to qualify for classic and collectible car insurance

When we submit your application for insurance, your insurance carrier may require us to provide some or all of the information below. Should you ever be in the unfortunate position of filing a claim, everything will be in order.

  • Usage: We will tailor your policy to reflect your driving habits
  • Storage: Your collectible car should be stored inside in a secure, locked garage or structure
  • Regular-Use Vehicles: Since you don’t need to drive your classic car every day, some carriers may require that you maintain “regular use” insurance in your name
  • Driver Eligibility: As with other forms of auto insurance, your driving history will also be taken into account


Are you looking for classic car insurance in Texas? Find out what's covered and how much it might cost you, as well as the eligibility requirements to get and keep vintage car insurance.

How old does a car have to be for classic insurance?

In Texas, most insurance companies require a classic car to be at least 25 years old. However, it's important to check with your insurer directly since others accept classic cars that are more than 20 years old.

Not all insurance companies put a cap on the age of classic cars, but some do. So, this is another detail to double-check on individual policies. For example, some vintage car insurance policies cap the age of cars they will insure to vehicles no more than 40 years old.

Call for a quote on reasonable classic car insurance Texas drivers trust.

Is insurance for a classic car expensive?

You can expect to pay between $200 and $600 annually unless you have a classic car such as the 1963 Ferrari 250 GTO, which was last auctioned at $70 million, or the more modest BMW M2 worth $67,000. Then, you can expect to pay $1,000 or more based on the value of your vehicle.

With classic car insurance, you receive an agreed-upon value if you have to file a claim. This value reflects the appreciation of classic cars over time. Standard car insurance pays out actual cash value based on depreciating values for regular vehicles.

Call us today to find the cheapest classic car insurance for your vintage car.

Is classic car insurance cheaper than normal?

In most cases, yes, and here's why.

Because antique auto insurance policies are based on how often you drive your vehicle, you could end up paying considerably less for classic car insurance than so-called "regular use" insurance — that's what you pay for your everyday car used for work, errands and other purposes. However, keep in mind that classic cars appreciate in value. So, your premiums are unlikely to go down over time.

Most insurance companies that offer classic car insurance prohibit using the vehicle for regular purposes. This minimizes risks for the insurance company and keeps costs low for the owner. Classic car usage is typically limited to car shows, parades and occasional driving up to a stated mileage limit. Therefore, you'll probably have to prove you own a regular car to qualify for classic car insurance.

Contact us for a better understanding of typical classic car insurance requirements.

Can I use a classic car as a daily driver?

Unfortunately, no. Driving a classic car on a daily basis can greatly increase the need for maintenance and upkeep. Frankly, it makes your car a bigger risk for insurance companies. Therefore, you may have a difficult if not impossible time finding classic car insurance that allows everyday use.

There are other consequences to driving your classic car too often. For example, many classic cars lack the safety features of modern vehicles. Wear and tear on your classic car also impacts its value.

So, many classic car owners choose to drive their cherished vehicles for special occasions such as fairs, parades and holiday cruising — and keep it in proper storage facilities when it's not in use. Plus, in many cases, the classic car you choose won't be practical for everyday use anyway.

Contact us for antique car insurance Texas drivers trust and for a fast quote on classic car insurance.