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: Mar 12, 2022

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Key Takeaways

  • You will want to decide on the type of coverage you need for your old sports car before you shop around and compare prices with different companies
  • How much you will pay for car insurance coverage will depend on certain factors like the make, model, and year of your car
  • Some of the best car insurance companies for old sports cars include American Modern, Hagerty, and J.C. Taylor

If you like to collect old sports cars, or if you have a classic car you like to drive, you may be curious which car insurance companies are best to cover your vehicles.

When it comes to finding car insurance companies for your classic sports car, you will want to consider the type of coverage you need, shop around to compare car insurance costs with different companies and decide which option is ultimately best for you.

Do I need to insure my old sports car?

If you have a classic sports car, you will need to purchase some type of automotive coverage for it. The type of coverage you choose will depend on how you typically use your old sports car.

For example, if you drive your sports car to work and other daily events, you will want to make sure you carry — at a minimum — liability coverage on your vehicle. However, if you keep your car in a garage and do not drive it, you may need something like comprehensive coverage on your vehicle. This type of coverage would protect your sports car from damages due to theft, vandalism, or acts of nature.

While it’s okay to drive your old sports car with your state’s required amount of liability coverage, it’s a good idea to consider purchasing full coverage on your vehicle. This type of coverage will protect your car if you’re in an accident or if something happens to your car while you’re not driving it.

Before you can find the best company to insure your old sports car, you will need to decide what type of coverages you want. After you make this decision, your next step is to shop around and compare quotes from multiple insurance companies.

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How much is insurance for an old sports car?

You will not know exactly how much you’ll pay for insurance coverage on your vehicle until you start shopping around. If your sports car is considered a classic car, this may impact how much you will pay when it comes to monthly rates.

The table below shows average rates for classic car insurance in each state depending on coverage type.

Average Six-Month Classic Car Insurance Rates in Each State Based on Coverage Type
StateFull CoverageComprehensiveCollisionLiability
Alabama$521.09$93.79$190.78$236.53
Alaska$616.65$82.36$210.49$323.81
Arizona$583.71$111.67$166.78$305.26
Arkansas$543.80$114.25$193.08$236.48
California$592.05$60.32$237.93$293.80
Colorado$588.98$104.77$172.20$312.02
Connecticut$690.64$78.97$221.11$390.56
Delaware$744.34$73.49$191.26$479.58
District of Columbia$798.44$139.94$281.20$377.29
Florida$754.28$69.92$169.78$514.58
Georgia$629.04$95.51$199.10$334.43
Hawaii$523.97$60.94$187.90$275.12
Idaho$407.93$69.93$131.43$206.57
Illinois$530.74$76.88$185.83$268.03
Indiana$453.02$73.24$150.17$229.61
Iowa$421.48$110.12$131.85$179.51
Kansas$517.76$144.82$158.00$214.94
Kentucky$563.11$84.83$160.75$317.53
Louisiana$843.22$129.10$248.62$465.50
Maine$422.29$62.99$155.99$203.32
Maryland$669.87$91.63$212.39$365.84
Massachusetts$677.57$80.98$232.97$363.62
Michigan$818.40$92.91$248.30$477.19
Minnesota$525.29$110.56$140.64$274.09
Mississippi$596.43$126.20$193.93$276.30
Missouri$523.46$108.76$165.17$249.53
Montana$518.11$127.15$159.19$231.77
Nebraska$498.61$137.55$142.28$218.78
Nevada$661.83$70.58$182.32$408.94
New Hampshire$491.25$66.46$184.45$240.34
New Jersey$829.67$78.81$229.12$521.74
New Mexico$562.55$103.54$166.19$292.82
New York$816.40$102.67$231.01$482.71
North Carolina$473.45$81.65$176.15$215.65
North Dakota$463.98$138.62$146.45$178.91
Ohio$473.14$72.97$161.90$238.27
Oklahoma$603.19$135.50$191.08$276.61
Oregon$542.90$56.32$136.10$350.48
Pennsylvania$582.31$86.53$196.34$299.44
Rhode Island$782.10$79.31$246.91$455.88
South Carolina$583.86$108.56$159.04$316.25
South Dakota$460.15$154.87$125.15$180.13
Tennessee$522.86$89.07$185.44$248.35
Texas$665.80$123.85$224.69$317.25
Utah$523.76$65.70$159.54$298.52
Vermont$458.41$75.29$177.25$205.87
Virginia$505.60$81.92$168.31$255.37
Washington$581.28$63.83$159.44$358.00
West Virginia$615.47$122.57$197.80$295.10
Wisconsin$442.31$82.09$135.60$224.62
Wyoming$508.46$148.54$167.30$192.62
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As you shop around with different companies, you may be able to find cheap car insurance rates. You should always make sure to compare car insurance rates from multiple companies before making a final decision on coverage.

What are the best car insurance companies for old sports cars?

You will find that a lot of different car insurance companies are willing and able to offer car insurance coverage for your sports car. But many classic car owners agree that some companies are better than others. When it comes to classic car insurance coverage, some of the best car insurance companies in the U.S. include:

  • American Modern
  • Safeco
  • Hagerty
  • American Collectors
  • Grundy
  • J.C. Taylor
  • State Farm

You may want to get individual quotes from each of these companies to see how much they would charge you to cover your old sports car. You could also ask whether you were eligible to receive any car insurance discounts to save on your monthly rates.

What are the best old sports cars to buy?

If you are looking for old sports cars, or classic cars, for sale, you may be able to find cheap classic sports cars by searching online.

A lot of people will search sites like Craigslist or eBay to find the best classic cars under $10K or $15K. You could also speak to individuals you know who have classic cars and see how they found their vehicles. Many people agree that there are certain types of old sports cars and classic cars that are more desirable than others. So when you’re shopping around for old sports cars for sale, keep this information in mind.

Some of the best old sports cars you can buy include:

  • MG MGA Roadster
  • Chevrolet Corvette
  • Mercedes-Benz 560SL
  • Porsche 914/6
  • Porsche 944
  • 1985 Nissan 300ZX
  • 1988 Mazda RX7 Turbo
  • Toyota MR2
  • Pontiac Firebird Trans Am
  • Ford Mustang GT

If you know you are looking for a specific sports car or classic car, you may be able to reach out to individuals in your area who specialize in that type of vehicle.

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What’s the bottom line?

If you are looking to buy a sports car, be sure to speak to people who have done so before. They may be able to help you find the kind of car you want without overpaying. Once you have the car you want — and you’ve given it one of the best old car names you can think of — you’ll need to decide what type of coverage you’re looking for.

Insuring old sports cars is not difficult, but you should shop around to find affordable coverage that will work with your budget. Be sure to take your time and compare monthly rates to find out which companies offer the best coverage at a price you can afford.