Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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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

UPDATED: Oct 15, 2020

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Key takeaways...

  • Classic car insurance differs than standard auto insurance
  • A classic car will only be driven during special events such as tours or on occasion
  • Classic vehicles also cannot be parked like the vehicles that are driven for practical purposes

No matter what type of vehicle people have, auto insurance is a must.

Even for the best classic car insurance, people can seek auto insurance quotes online from a comparison website and compare rates.

The process will be just like for other types of vehicles; a car insurance comparison website that represents several car insurance companies will send potential clients’ information to these companies.

Like with other types of vehicles, each auto insurance company sends a quote for an auto insurance policy directly to potential clients. You can even do this now and save money!

Enter your zip code into our FREE car insurance comparison tool above to get started!

Table of Contents

What makes a car a classic car?

In order to qualify for classic auto insurance, a vehicle must meet certain requirements and they are:

  • Cars that are convertible
  • Sports vehicles with two doors
  • Those with a body shape that is unusual
  • Sports cars manufactured outside of the United States
  • Those that have V8 engines

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Does it qualify for a classic car insurance policy?

Even if the automobile qualifies as a classic vehicle, it may not qualify for classic auto insurance. These vehicles are not meant to be driven to work on a regular basis.

If they are, then their owners will need to purchase a regular auto insurance policy. A classic car will only be driven during special events such as tours or on occasion.

Classic vehicles also cannot be parked like the vehicles that are driven for practical purposes.

These vehicles need to be left in a protected, enclosed area when the owners are not driving them such as a storage unit.

The car insurance companies will also consider the classic car owner’s driving record.

It depends on the insurance company, but some companies may not be able to offer a policy to people who have too many points on their records.

Some companies will disqualify potential clients from their classic car insurance policies if they have had too many accidents. If your car does qualify, make sure you are looking for the best classic car insurance!

Coverage for Classic Cars

Any vehicle that is driven on the roads needs to be insured or else the drivers are violating their state’s minimum requirements for auto insurance laws.

This means that owners of classic vehicles will have to at least purchase liability insurance even though they are not driving their classic cars as often as their other vehicles.

Every state requires that in order to drive on the roads legally, people must have liability insurance.

Liability insurance is the type of coverage that helps the driver found at fault in an auto accident pay for the other driver’s medical bills; it will also help pay for the passenger’s medical bills.

The other type of liability insurance is property liability coverage.

This coverage will help the driver found at fault pay to have the other driver’s automobile repaired or replaced.

Extra Coverage for Classic Cars

Since liability coverage is meant to pay for third-party injuries and property damage, owners of classic cars may want to purchase extra insurance that will repair the damage to their own vehicles and pay the medical expenses.

These options include:

  • Medical Payments Coverage – If the car owner is ever hurt in a car collision, this coverage will pay for the policyholder’s medical expenses.
  • Collision Coverage – The repairs that will be required to fix the classic car will be paid for with this portion of the auto insurance policy.
  • Comprehensive Coverage – If the classic car ever is damaged by vandals or floods, for example, this coverage will pay the repair bills.
  • No-Fault Auto Insurance – No-fault auto insurance covers medical expenses for everyone on the policy and the passengers no matter who caused the accident.

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Types of Classic Car Insurance

— Collector’s Cars

Car insurance companies know that those who have collector’s vehicles are in the habit of taking very good care of them.

For this reason, they will offer auto insurance for these vehicles at lower rates than they will for automobiles that are driven to work every day.

Collector’s car insurance can be purchased for several different types of vehicles including:

  • 1930s vehicles that have been altered to increase their speed,
  • 1940s business coupes that were popular with traveling salespeople after World War II,
  • 1950s Cruisers such as the squad car,
  • 1960s automobiles created to have an extreme amount of power such as the 1966 Pontiac GTO.

— Antique and Classic Cars

Antique and classic cars were manufactured before the onset of World War II and several of them will qualify for auto insurance.

Among these types of vehicles are:

  • Classic Ford vehicles
  • Classic Chevrolet cars
  • Cords such as the Cord L-29
  • Duesenbergs such as the Duesenberg J/SJ
  • Rolls Royce 
  • Bentley

Car Insurance for Classic Racing Cars

Vintage race cars are not always in operation and they can be difficult for car insurance companies to price, but classic car insurance companies that offer classic car insurance for race cars will go out of their way to do so.

Cassic race cars such as Lamborghini, Corvette, and Ferrari can be insured under a classic race car policy.

After classic car owners have determined that they do, they can determine what types of car insurance coverage they need.

They will have to purchase liability insurance, but they also have the ability to purchase several other types of optional insurance.

Then they can find the best auto insurance options with an auto insurance comparison.

These quotes will be free, and inquiring further about the insurance quote offered will not obligate the classic car owner to purchase the insurance.

Soliciting several quotes online is a hassle-free way to find the perfect classic auto insurance policy. Start comparing car insurance today!

Enter your zip code below and start comparing classic car insurance quotes for FREE!

References:

  1. https://www.progressive.com/classic-car-insurance/
  2. https://en.wikipedia.org/wiki/Classic_car
  3. https://www.thebalance.com/understanding-minimum-car-insurance-requirements-2645473
  4. https://www.progressivecommercial.com/coverages/liability/
  5. https://www.rolls-roycemotorcars.com/en-GB/home.html
  6. https://www.bentleymotors.com/en.html
  7. https://www.hagerty.com/insurance/motorsports-insurance