Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Aug 5, 2021

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Key takeaways...

  • Antique car owners usually require a different type of car insurance than standard car owners
  • Car between 20 and 45 years old are classic cars
  • Cars aged 45 years and over are antique cars

So you’ve searched for the perfect antique car and then painstakingly restored it. Maybe it was in excellent condition to start with. More frequently, new owners have to do an overhaul to make sure their antique car looks and functions well. Owners of antique cars need to look carefully for the right car insurance company as classic cars have much more value than just a blue book value.

The problem with standard auto insurance is it often doesn’t cover the true value. Regular insurers don’t always account for the work that goes into restoration and the adjusted value. Unfortunately, they often don’t cover non-standard parts. If you’re restoring an antique car, you’ll need specialty parts even if you’re doing minimal work.

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What is an antique car?

A lot of consumers unfamiliar with classic vehicles and antique car and the insurance markets often assume these terms both represent the same category of vehicles. However, according to the Classic Car Club of America older vehicles are defined as follows:

  • Car between 20 and 45 years old are CLASSIC cars
  • Cars aged 45 years and over are ANTIQUE cars

Regardless of what category your car fits into any owner of a collector car must pay particular attention to finding a car insurance company who understands the vintage car insurance market and provides coverage worthy of your investment.

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What Will You Get from Antique Auto Insurance?

When you choose antique auto insurance, plans account for all the extra work you have to do and the adjusted antique car values. It has coverage for all the specialty parts you’d need. Many plans also offer roadside assistance and storage-specific coverage. You don’t have to drive your antique car to get the value out of the right coverage.

The world’s largest vintage car insurance company is the Hagerty Car Insurance Company – read a review of the Hagerty Car Insurance Company here. They offer specialized coverage that covers everything from classic cars in their original condition to customized antique cars.

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What Should You Consider When Looking for Antique Car Insurance?

As with the purchase of any insurance policy you need to sit down and make a list of the things important to you in terms of coverage and those items which may help you get lower car insurance rates.

Some of the most important things to consider when looking for antique car insurance coverage are:

  • The value of the car. Many times an appraised value will never reflect the true aftermarket value in the collector world. So understand how much the car is worth and ensure a replacement value is agreed upon before securing coverage
  • Determine use of the car including how much mileage is expected annually. Do you plan on driving regularly or just for special events? Is your antique car meant to be more of a display than a functioning car?
  • Be able to describe storage details. Is the car in a secure environment or just sitting outside?

Remember those car insurance companies do not expect you to drive classic or antique cars very often so low mileage is sometimes a requirement for the best rates.

How Can You Find Cheap Antique Car Insurance?

Always look for companies who specialize in antique car insurance as these companies generally have very different risk models and understand the value of collector cars greater than traditional mainstream car insurance companies.

The Hagerty Insurance Company is the largest antique auto insurer. However, some of the major brands have dedicated departments for antique car insurance. So if you are calling around always ask to speak with a representative from the vintage/antique car division.

Check with your homeowner’s insurance and see if an antique car is covered should damage occur on your property (not while driving).

Speak to other collectors, and ask about car insurance company referrals and details of the coverage they have. You may be surprised to find a local company who is writing policies for all the members of your car collector club.

Contact national associations such as the Classic Car Club of America and inquire about some potential company recommendations.

There is no doubt every owner of an antique car needs some form of auto insurance coverage, but you must have expectations in place and understand the search for antique car insurance may be a little longer than traditional auto insurance.

We can help you find antique car insurance companies – simply enter your zip code below to get started now!


  1. https://classiccars.com/
  2. https://www.hagerty.com/corporate/contact-us
  3. https://www.progressive.com/homeowners/
  4. https://www.classiccarclub.org/