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What Other Types of Vehicles Are Covered By Classic Car Insurance?

Published: September 2019

Classic car insurance typically helps cover a vehicle that's worth more than its original selling price, such as antique or classic cars that are at least 25 to 30 years old, according to the Insurance Information Institute (III). However, other types of vehicles may also qualify for classic car insurance.

Classic pickup trucks parked on grass.

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What Other Vehicles Might Qualify for Classic Car Insurance?

The III says you may be able to purchase classic car insurance for the following types of vehicles:

  • Hot rods
  • Modified vehicles
  • Exotic and luxury vehicles
  • Muscle cars
  • Classic trucks
  • Vintage military vehicles
  • Classic motorcycles
  • Antique tractors

To qualify for classic car insurance, generally you cannot use the vehicle for everyday purposes, and there may be mileage restrictions on your policy. You may also need to provide proof that you properly store the vehicle. For instance, your insurer may ask whether your vehicle is stored in a secure, enclosed structure (such as a private garage or storage unit) or if you plan to keep it in a carport or your driveway. Your insurer can explain any storage requirements for vehicles protected by classic car insurance.

You may also be able to add coverage to your classic car insurance policy to help protect other related items. For instance, protection may be available for valuables such as:

  • Automotive tools and accessories
  • Memorabilia like antique gas pump displays, hood ornaments and old license plates
  • Vehicles under construction
  • Reimbursement for hotel, food or rental car costs if your classic car breaks down during a trip

What Kind of Coverage Does Classic Car Insurance Provide?

Classic car insurance typically offers liability, comprehensive and collision coverage, similar to what you'd be able to select with a standard car insurance policy. However, rather than coverage limits based on the "book value" of a certain vehicle model, coverage for classic cars is based on a value agreed upon by you and the insurer. Another difference is that regular car insurance typically takes depreciation into account when determining the current value of your vehicle, while classic car insurance does not.

If your vehicle is damaged in a covered incident, classic car insurance helps pay to replace valuable and hard-to-find spare parts. You may need repairs completed by a specialist whose work is more expensive than that of a standard auto repairer. Classic car insurance can help pay those increased costs, which would not be covered by a standard car insurance policy. And, if your covered vehicle requires special towing needs, such as transportation on a flatbed, classic car insurance may help pay for that cost, as well.

Different vehicles come with different insurance needs. If you have an antique, modified or luxury vehicle, a local insurance agent can explain whether classic car insurance is an option for you.

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This content is for informational purposes only and may not be applicable to all situations.

Classic car insurance policies are underwritten by Hagerty and offered under an Expanded Market Program. Hagerty is not affiliated with Allstate.

The Expanded Market Program provides access to products underwritten by non-Allstate companies. Allstate does not operate or control any company that provides policies through this program. In this program, Allstate does not have any financial responsibility to you for any policy purchased, is not responsible for any claims you may make with such companies, and makes no representations nor accepts any liability related to the operations of such companies, including, but not limited to, their financial condition and claims handling. © 2020 Allstate Insurance Company, Northbrook, IL.

*Hagerty Insurance Agency, LLC, provides quotes from Essentia Insurance Company on this site. These entities are not affiliated with Allstate or Ivantage Select Agency, Inc, an Allstate affiliate. Ivantage Select Agency, Inc (ISA), an Allstate affiliate, refers consumers to Hagerty Insurance Agency, LLC, which offers and administers classic and exhibition automobile insurance and is underwritten by Essentia Insurance Company. Please visit to review all available classic and exhibition automobile insurance products underwritten by Essentia Insurance Company. Please refer to your declarations page to determine the underwriter for your policy. Each insurer has sole financial responsibility for its own products. Hagerty Insurance Agency, LLC and its insurers are not affiliated with Allstate or Ivantage Select Agency, Inc, an Allstate affiliate. Allstate and its affiliates are not responsible for the insurer or coverage selections, policy issued, claims, the content or operation of other's websites, or how others handle or use your information. Information you provide to others is subject to their privacy policies and website terms of use and may be shared with us. ISA receives compensation from Hagerty Insurance Agency, LLC that may vary based on the policy you buy.
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