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Protection built for a classic

Driving your classic or collector car can make you feel like you own the road. And protecting your pride and joy may take more than traditional auto insurance.

Get a quote to cover your classic ride today.

What is classic and collector car insurance?

Unlike traditional auto insurance, these policies are tailored to the unique build and value of your classic or collector vehicle. Learn more.

What is collector car insurance?

What makes a car a classic or collector?

According to the Insurance Information Institute (III), a car is considered a classic when it’s 25 - 30 years old. Yet there is no true definition of a classic car. For instance, if a newer car is valued far above its original selling price, it may qualify for classic car insurance.

This means, if you have a hotrod, resto-mod, highly customized, exotic or luxury vehicle, get a quote for classic insurance. And it doesn’t stop with cars - antique tractors, vintage military vehicles and classic motorcycles also benefit from this kind of coverage.

"Collector" is a term used to broadly categorize vehicles that are not daily drivers, maintain or appreciate in value, and are of limited production or special interest. A collector car may be prized more for its unique appeal or features worth preserving, rather than its age. In other words, a collector car isn't necessarily classified by its model year. Popular enthusiast car models include Chevrolet Corvette, Ford Mustang, and Porsche 911 — among many others.

How does classic car insurance differ from a standard auto policy?

Agreed value

A big difference between a collector car and a regular vehicle is the insurance value of the vehicle. Most insurers of daily driver vehicles offer Actual Cash Value policies, which is what an insurance adjuster says your car is worth, usually based on used car values — not the enthusiast car market. Classic car insurance on the other hand, helps ensure you'll be compensated for the true cost to repair or replace your collector vehicle.

For example, if a fully restored 1966 Shelby Cobra 427 roadster is in an accident or stolen, a standard insurance appraiser can't easily pull estimates of comparable cars from a website and give you a fair value of the vehicle or cost for the necessary repairs.

A classic car insurer works with the vehicle's owner to assign the vehicle an "agreed value" at the time of writing the policy. That number may take into consideration current market value, condition and improvements and cost of replacement and special-order parts. This is usually a much higher valuation than a traditional auto insurer would give the car based on age and mileage alone.

Usage restrictions

The more your classic car is on the road, the greater the chance there is of it being in an expensive accident.

Be sure to ask about usage options for your coverage. Some classic car policies have strict mileage limitations and coverage for certain types of driving, while others are more flexible. So, you may not be able to use the vehicle for daily commuting.

Safe storage

Although storage requirements vary by company and location, we suggest keeping your vehicle properly stored so your ride stays in top shape.

Vehicle condition

If you're restoring a "project car," you may be able to add an endorsement to your classic car policy to help protect both the car and your tools.

Type and age of vehicle

Classic and collector cars vary. What makes a classic different than a regular vehicle is the type and age of it. A car is considered a classic when it is 25-30 years old. A collector is a vehicle that is not a daily driver, and maintains or appreciates in value.

timeless protection your classic ride

When you drive with quality coverage, you drive with confidence. Classic car insurance can help you stay protected for wherever the road takes you.

By clicking "get a quote" you will leave Allstate.com and be directed to Hagerty website.*

Benefits of having classic car insurance

In addition to the protection offered by conventional car insurance, a classic car policy can help protect your car's unique needs:

  • Coverage designed for classics
    These policies meet the unique needs of specialty vehicle owners.
  • Protect your car
    In the event of an accident, you should be covered for the value of your car.
  • Flexible claim service:
    Choose where your car gets repaired.
  • Lower cost
    Collector cars are often driven less, which means that you may pay less than you do for your regular auto policies.

Classic car insurance FAQs