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: Apr 13, 2022

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Key Takeaways

  • You can purchase different types of auto insurance for your classic car, depending on the vehicle’s primary function
  • If you drive your classic car for any reason, you will need to have liability coverage at the very least
  • Some of the best insurance companies for classic car coverage include Grundy Insurance, American Collectors Insurance, and Safeco Insurance

If you own a classic car, there may be several factors that you have to figure out alone. Replacement parts may be hard to come by, finding a mechanic you can trust may be difficult to do, and knowing how to handle auto insurance for unique classic cars can be challenging.

The good news is that you have options when it comes to car insurance for unique specialty and classic cars. Classic car insurance comes in many different shapes and sizes, depending on how you’re using your vehicle and whether or not you’re planning to drive it to car shows or relying on it as your daily vehicle. 

Do I need insurance for my classic car?

Regardless of how, why, or when you use your classic car, you will need to protect it with some form of insurance.

If you drive the car as your regular vehicle, you will need to carry coverage that meets minimum state auto insurance requirements. If you transport your automobile on a trailer to various car shows, you will still want to ensure that it’s covered in the event of an accident and also while it’s being stored.

The table below reveals the standard auto insurance coverage types offered by most car insurance companies.

Types of Car Insurance Coverages Defined
Insurance Coverage TypesPurpose of Coverage
Bodily injury liabilityPart of your liability coverage that pays for medical bills if you've injured someone else in an automobile accident
CollisionCovers damage to your car after an automobile accident
ComprehensiveCovers damage to your car that happens when you're not driving
Personal injury protectionCovers medical expenses for you or your passengers after an automobile accident
Property damage liabilityThe other part of liability coverage that covers the cost of any property damage you've caused in an automobile accident
Uninsured/underinsured motoristCovers the costs if you're in an automobile accident caused by a driver with little or no car insurance
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With your classic car, you may decide that you only need comprehensive because the vehicle is never driven. If so, you will want to choose a policy that covers your vehicle for any damages incurred while it’s sitting in storage in your garage, driveway, or another location.

If you do drive your classic car, even if it’s merely to car shows every couple of weekends, it’s a good idea to carry a comprehensive auto insurance policy to ensure that you’re covered for virtually any incident. Seldom driving your classic car may actually help you save money on an auto insurance policy since many insurers ask potential policyholders how much, how often, and how far they drive their vehicle. 

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How much is classic car insurance?

How much you pay for your classic car insurance will vary based on numerous factors. Whether or not you drive your car, your vehicle’s age, the make and model of your car, and much more factor into determining monthly, biannual, and annual car insurance rates.

The table below displays the average biannual auto insurance rates for classic cars in each state based 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 can see, insurance rates for classic cars can change significantly depending on where you live. For instance, unique classic cars in Minnesota are generally less expensive to cover than classic cars in California. 

Additionally, liability coverage on your classic car will likely cost much less than full coverage. But if you want to ensure that your vehicle is protected from virtually anything that could happen, you may decide that a full coverage policy is worth the extra money.

Where can I buy a unique classic car?

In order to find unique classic cars for sale, you will need to conduct a bit of research. You could find a unique classic cars inventory in your state by searching online. This is a popular way to discover who is selling classic cars nearby, and you can also widen your search to other areas or states if you’re open to traveling to the seller.

If you attend car shows, you may be able to speak to some participants and ascertain where they found their vehicle. Sometimes, classic cars are sold through word-of-mouth. Other times, people scour websites like Craigslist and eBay to find what they are seeking. Speaking to someone who has previously been involved in the process could help you in your own search. 

Before you decide to purchase a vehicle, it’s also a good idea to read some unique classic cars reviews in order to ensure that the make and model you’re considering is what you’re seeking.

What are the best classic car insurance companies?

Finding the best auto insurance company to cover your classic car may take some time. Simply because someone else states that a company is good for covering classic cars doesn’t mean that company will work best for you. Your best bet is to compare quotes from several different companies to find insurance for your classic car.

When it comes to classic car insurance, there are some companies that claim to offer the best coverage at affordable prices. Some of these auto insurance companies include:

  • Grundy Insurance
  • Hagerty Insurance
  • American Collectors Insurance
  • American Modern Insurance Group
  • Heacock Classic Insurance
  • Safeco Insurance  
  • J.C. Taylor Insurance

If you are interested in any of the companies listed above, you can reach out to obtain a quote for your classic car and determine how much they would charge you for various coverage options. But be sure not to agree to anything until you compare prices with other options you find.

It’s important to ensure that your classic car is covered, but you shouldn’t have to overpay for coverage in order to have protection and peace of mind.