10 Best Classic Car Insurance Companies in 2024
Hagerty, Travelers, and Liberty Mutual are the best classic car insurance companies, offering rates starting at $75/mo. These providers excel in coverage, flexible usage options, and customer service, making them the top choices for classic car owners seeking affordable and reliable insurance.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
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UPDATED: May 30, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: May 30, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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The top pick overall for the best classic car insurance companies are Hagerty, Travelers, and Liberty Mutual. Offering rates starting at $75 per month, these companies excel in providing comprehensive coverage, flexible usage options, and outstanding customer service.
Hagerty stands out for its specialized knowledge of classic cars, while Travelers is renowned for its agreed value coverage. Liberty Mutual offers competitive rates and adaptable policies, making them ideal for classic car owners seeking reliable and affordable insurance.
Our Top 10 Picks: Best Classic Car Insurance Companies
| Company | Rank | Multi-Policy Discount | Low-Mileage Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 15% | 10% | Specialized Coverage | Hagerty |
 | #2 | 10% | 5% | Agreed Value | Travelers |
 | #3 | 25% | 30% | Flexible Usage | Liberty Mutual |
 | #4 | 20% | 20% | Value Vehicles | Chubb |
 | #5 | 17% | 20% | Nationwide Coverage | State Farm |
 | #6 | 20% | 15% | Customizable Policies | Nationwide |
 | #7 | 25% | 20% | Comprehensive Options | Allstate |
 | #8 | 12% | 30% | Multi-Vehicle | Progressive |
 | #9 | 20% | 10% | Competitive Rates | Farmers |
 | #10 | 15% | 20% | Quick Claims | Safeco |
These insurers understand the unique needs of classic car insurance enthusiasts, ensuring that your prized vehicle receives the protection it deserves. Whether you’re looking for extensive coverage, affordability, or exceptional service, these companies have you covered.
Explore our picks with finding reasonable car insurance rates to find the best fit for your requirements, get quotes, and start saving on your car insurance today.
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#1 – Hagerty: Top Overall Pick
Pros
- Expert Knowledge: Hagerty specializes in classic car insurance, offering tailored policies that cater to the unique needs of vintage vehicle owners.
- Flexible Usage: Hagerty insurance review & ratings provide policies that allow for flexible usage, including coverage for pleasure driving and car shows.
- Agreed Value: Hagerty’s policies ensure that the full agreed value of the car is paid out in case of a total loss.
Cons
- Higher Premiums: Due to the specialized nature of their coverage, Hagerty’s premiums can be higher than those of general insurers.
- Restricted Availability: Coverage options may vary significantly by state, limiting flexibility for some customers.
#2 – Travelers: Best for Agreed Value
Pros
- Agreed Value Policies: Travelers offers agreed value policies, ensuring that owners receive the full appraised value in case of a total loss.
- Comprehensive Coverage Options: Travelers insurance review & ratings provides a wide range of coverage options, including spare parts and restoration coverage.
- Discounts: Competitive multi-policy and low-mileage discounts help reduce overall insurance costs.
Cons
- Limited Classic Car Focus: As a general insurer, Travelers may not have the same level of expertise in classic cars as specialized providers.
- Higher Costs for Comprehensive Plans: More comprehensive plans can be relatively expensive compared to specialized classic car insurers.
#3 – Liberty Mutual: Best for Flexible Usage
Pros
- High Discounts: Offers significant multi-policy (25%) and low-mileage (30%) discounts, making it a cost-effective choice for many.
- Flexible Policies: Liberty Mutual review & ratings provides flexible usage policies that accommodate both regular driving and special events.
- Comprehensive Coverage: Extensive coverage options including collision, comprehensive, and liability coverage.
Cons
- Higher Premiums: Despite discounts, the premiums can be higher for those seeking full coverage options.
- Less Classic Car Specialization: May lack the specialized knowledge and tailored services that dedicated classic car insurers offer.
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#4 – Chubb: Best for Value Vehicles
Pros
- High-Value Coverage: Chubb insurance reviews & ratings specializes in insuring high-value classic cars, offering robust coverage options.
- Restoration Coverage: Includes coverage for restoration projects, ensuring that valuable restorations are protected.
- Agreed Value: Provides agreed value policies, guaranteeing full compensation based on the car’s appraised value.
Cons
- Premium Costs: Chubb’s focus on high-value vehicles can result in higher premiums.
- Limited Discounts: The discounts available may not be as comprehensive or high as those offered by other insurers.
#5 – State Farm: Best for Nationwide Coverage
Pros
- Bundling Policies: State Farm offers significant discounts for bundling multiple insurance policies.
- High Low-Mileage Discount: Provides a substantial discount for low-mileage usage.
- Wide Coverage: Offers various coverage options tailored for different business needs. Learn more on our comprehensive guide State Farm insurance review & ratings.
Cons
- Limited Multi-Policy Discount: The multi-policy discount is not as high compared to some competitors.
- Premium Costs: Despite discounts, premiums might still be relatively higher for certain coverage levels.
#6 – Nationwide: Best for Customizable Policies
Pros
- Customizable Coverage: Nationwide allows for highly customizable policies, letting customers tailor their insurance to their specific needs.
- Competitive Discounts: Offers 20% multi-policy and 15% low-mileage discounts, providing good savings opportunities.
- Comprehensive Options: Nationwide insurance review & ratings provides extensive coverage options, including liability, collision, and comprehensive coverage.
Cons
- Higher Premiums for Customization: Customizable policies may come with higher premiums.
- Classic Car Expertise: May not have the same level of classic car expertise as specialized insurers.
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#7 – Allstate: Best for Comprehensive Options
Pros
- Extensive Coverage: Allstate offers a wide range of coverage options, including comprehensive, collision, and liability insurance.
- High Discounts: Allstate insurance review & ratings provides substantial multi-policy (25%) and low-mileage (20%) discounts.
- Nationwide Availability: Available in most states, ensuring broad access to coverage.
Cons
- Higher Premiums: Premiums can be higher compared to some specialized classic car insurers.
- Complex Policy Structures: Extensive options can make policy selection complex and time-consuming.
#8 – Progressive: Best for Multi-Vehicle
Pros
- Significant Discounts: Offers high multi-vehicle (12%) and low-mileage (30%) discounts.
- Flexible Coverage Options: Progressive insurance review & ratings provides flexible coverage options suitable for various classic car needs.
- Wide Network: Extensive national network for claims and support.
Cons
- Limited Classic Car Focus: May lack specialized knowledge compared to dedicated classic car insurers.
- Variable Customer Service: Customer service experiences can vary significantly depending on location.
#9 – Farmers: Best for Competitive Rates
Pros
- Affordable Premiums: Farmers insurance review & ratings highlighted its offers competitive rates for classic car insurance, making it a budget-friendly option.
- Good Discounts: Provides 20% multi-policy and 10% low-mileage discounts.
- Comprehensive Coverage: Offers a wide range of coverage options, including comprehensive and collision coverage.
Cons
- Limited Classic Car Expertise: As a general insurer, may not offer the same level of specialized services as dedicated classic car insurers.
- Higher Deductibles: Some coverage options may come with higher deductibles compared to competitors.
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#10 – Safeco: Best for Quick Claims
Pros
- Fast Claims Processing: Known for quick and efficient claims processing.
- Competitive Discounts: Offers 15% multi-policy and 20% low-mileage discounts.
- Wide Range of Coverage: Safeco insurance review & ratings provides extensive coverage options including liability, collision, and comprehensive coverage.
Cons
- Variable Availability: Coverage and discount availability may vary significantly by state.
- Higher Premiums for Quick Claims: Premiums might be higher to account for the expedited claims service.
Overview of Classic Car Insurance
When searching for the best insurance companies, it’s essential for you first to think about the type of vehicle you would like to get insured, the kind of coverage you need, and most importantly, what will be considered affordable within your budget.
Classic car insurance is an auto insurance policy designed to protect classic or antique vehicles. All antique vehicles do not qualify for classic car insurance, which can also be referred to as collectors car insurance. Cars that are over 25 years old generally qualify for classic car insurance.
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When it comes to eligibility for classic car insurance, your vehicle’s history isn’t the only thing considered. For starters, there is an age limit. Generally, policyholders must be at least 25 years old to meet the classic car insurance requirements. A policyholder’s driving history is also a significant factor in how your classic car insurance rate will be calculated.
Classic car insurance comes with all of the basic services a traditional insurance policy covers, such as bodily injury liability, collision coverage, comprehensive coverage, and property damage. Once you have been approved for a policy, a number referred to as a coverage limit is identified to determine the value of additional coverage your vehicle can receive.
Determine the Value of Classic Cars
Once it comes time to have your classic car insured, an insurer can determine its value by examining these factors. How much is your classic car worth? Since classic cars are desired for their aesthetic and not so much for driving, insurance companies view them similar to the way they would view an antique or a valuable painting.
To put it simply, the with of a classic car can vary, but it is generally based on the make and model of your car, its condition, and the supply and demand. Like any valued possession that is considered a luxury item, its features and rarity can cause the price to increase, decrease, or remain in a state of flux.
According to The Classic Car Club of America, a classic car, or an antique car, is a fine or distinctive automobile created around 1915 to 1948. Classic cars can be either American-built or foreign-built. There are a handful of other characteristics most, if not all, classic cars share.
- Highly-Priced: According to, The Car Investor, the average classic car in good condition ranges from $10,000 to $50,000
- Exclusive: Since classic cars are not mass-produced, there are very few of them available to purchase
- Luxury Features: Quality details (such as leather seats) and high engine displacement. Discover the Cheap Lexus ES Car Insurance and get insights for this luxury vehicle.
Classic cars can be separated into three different categories.
Original Cars
Original cars are authentic classic vehicles that have been well-maintained throughout their lifespan. These cars typically require minimal repairs, and instead of replacing parts, they get repaired. Since these classic car types are very rare, if you believe you’ve come across a classic car, it’s essential to verify its status.
One of the best ways to confirm the status of a classic vehicle is to look for matching numbers. These are the serial numbers that were initially assigned to the car. Because VINs were not made popular until the 1980s, authenticating classic cars differs from verifying vehicles developed in more recent years.
Restored Cars
Restored cars are classic vehicles that have been refurbished using authentic factory parts. The purpose of a restored car is to restore it with original parts to keep it operating like new throughout its lifespan. If you’ve ever had a classic car restored before, you’re probably familiar with NOS. New old stock, or NOS, refers to vehicle parts built long ago but never sold.
There are four different levels for restoring a classic car:
- Driving Condition: Restores the vehicle to an acceptable condition for road use, focusing on functionality over originality. It is the most affordable and least time-consuming option.
- Street Show Condition: Aims to get the vehicle back to optimal working condition with no cosmetic issues, ensuring it maintains its beauty and value.
- Show Car Condition: Requires extensive effort to achieve a high level of polish, scoring around 90 to 95 in classic car shows. This involves disassembling and rebuilding the vehicle from the ground up.
- Concours Condition: The highest level of restoration, typically for car shows, involves completely disassembling and meticulously restoring the car to look like new, often without being driven.
These parts can be challenging to find. So if the antique parts required to get the job done are not available, there are a few other methods you can use to have your classic car restored.
Resto-Mod Cars
Resto-mod cars are classic vehicles that have been restored using modern parts and technology. While they may look identical to a restored car or an original car, resto-mod cars are not the same. They have been updated with present-day features, such as air bags or a GPS system.
Since these modern features have been added to the vehicle’s internal structure and not its exterior, resto-mod cars still comply with the assignment of making repairs to refresh the car but keeping its exterior the same. On many occasions, these new additions are added so that the vehicle can comply with the legal regulations.
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The Best Classic Car Insurance Companies
How can you tell when you found the best company for classic auto insurance? For starters, the monthly or annual insurance rate of your choice should have the coverage you need (or be flexible and customizable), and it should be logical and affordable. While several auto insurance companies on the market offer classic car insurance, some are more popular than others.
American Collectors
American Collectors was founded in 1976 in Cherry Hill, New Jersey. The company received an A+ rating from the Better Business Bureau (BBB) and an A- rating from A.M. Best. American Collectors has car insurance plans available in all 50 states in the U.S.
American Modern
American Modern was founded in 1965 in Cincinnati, Illinois. The company received an A+ rating from A.M. Best. American Modern classic car insurance is available in all 50 states in the U.S.
Grundy Insurance
Grundy Insurance was founded in 1947 in Horsham, Pennsylvania. The company received an A+ rating from the Better Business Bureau (BBB) and an A++ rating from A.M. Best. Grundy Insurance has car insurance plans available in all 50 states in the U.S.
Heacock
Heacock car insurance is available in 48 out of 50 states in the U.S. Heacock does not offer insurance plans in Alaska or Hawaii.
Hagerty
Hagerty was founded in 1984 in Traverse City, Michigan. The company received an A rating from A.M. Best. All of Hagerty’s car insurance rates and coverage options can vary by state.
Safeco
Safeco insurance review & ratings highlight that the company was founded in 1943 in Seattle, Washington. The company received an A rating from A.M. Best, an A2 rating from Moody’s, and an A- from Standard & Poor’s. Safeco has car insurance plans available in 47 states in the U.S. Insurance from Safeco is not available in Delaware, Florida, Hawaii, or Washington D.C.
State Farm
State Farm was founded in 1922 in Bloomington, Illinois. The company received an A++ rating from A.M. Best and an AA rating from Standard & Poor’s. State Farm has car insurance plans available in all 50 U.S. states.
USAA
USAA insurance review & ratings emphasize that it is known as the United Services Automobile Association, was founded in 1922 in San Antonio, Texas. The company received an A++ rating from A.M. Best, an Aa1 rating from Moody’s, and an AA+ rating from Standard & Poor’s. All of USAA’s car insurance rates and coverage options can vary by state. You will need to be a current or former member of the military to purchase USAA classic car insurance.
Geico classic car insurance and Progressive classic car insurance are available as well, and if you already have a policy with either of these two companies, it may be most cost-effective to insure your classic car with them. However, always consider all factors of a car insurance company. Don’t just look for the cheapest classic car insurance.
Explore the Cheaper: Classic Car Insurance vs Regular Auto Insurance
Although classic car owners are no stranger to paying top dollar for their precious vehicles, it is usually much cheaper to insure a classic car. In fact, according to Baily Insurance Agency, the average classic car insurance cost can range from around $200 to $600 per year.
Classic car insurance is generally cheaper because these cars are typically driven less frequently, often stored in garages or special facilities, and usually owned by more careful and invested individuals. The table below shows the monthly rates for classic car insurance across different coverage levels and providers:
Car Insurance Monthly Rates for Classic by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $100 | $155 |
| Chubb | $130 | $250 |
| Farmers | $110 | $170 |
| Hagerty | $75 | $125 |
| Liberty Mutual | $120 | $200 |
| Nationwide | $110 | $170 |
| Progressive | $95 | $140 |
| Safeco | $100 | $155 |
| State Farm | $95 | $150 |
| Travelers | $100 | $150 |
For minimum coverage, rates range from $75 (Hagerty) to $130 (Chubb) per month. For full coverage car insurance, rates vary from $125 (Hagerty) to $250 (Chubb) per month. When choosing an insurance provider, it’s essential to consider not just the cost but also the quality of service and the specific coverage needs.
Providers like Hagerty, which specialize in classic cars, may offer more tailored services and expertise compared to general insurance companies. Classic car insurance is a cost-effective option for car enthusiasts, offering significant savings compared to regular auto insurance while providing necessary protection for their investments.
Obtaining an Online Quote for Classic Car Insurance
Getting an online quote for classic car insurance is a straightforward process that allows you to quickly compare rates and coverage options from various providers. Here’s a step-by-step guide to help you obtain an online quote for your classic or antique vehicle:
- Gather Vehicle Information: Before starting the comparing car insurance process, collect all relevant information about your classic car, including its make, model, year, mileage, and any modifications. This data is crucial for accurate quote estimates.
- Visit Insurance Company Websites: Start by visiting the websites of top-rated classic car auto insurance companies. These include Hagerty, Liberty Mutual, and Travelers, known for offering the best auto insurance for classic cars. Many vintage car insurance companies have dedicated online tools to help you get a quick quote.
- Enter Your ZIP Code: Most insurance providers require your ZIP code to provide a localized quote. Entering your ZIP code ensures that you receive the most accurate and relevant pricing for your area.
- Use Comparison Tools: Leverage online comparison tools that allow you to compare quotes from multiple classic car insurance providers. These tools can help you find the cheapest classic car insurance while ensuring you get the best coverage.
- Provide Detailed Information: When prompted, fill out the online form with detailed information about your driving history, the storage location of your vehicle, and how often you plan to drive it. This helps in obtaining precise quotes for collector car auto insurance and cheap classic car insurance.
- Review Coverage Options: Carefully review the coverage options provided in the quotes. Look for features such as agreed value coverage, liability limits, and additional protections specific to antique auto insurance. This will help you choose the best classic car insurance tailored to your needs.
- Check for Discounts: Many classic car auto insurance companies offer discounts for factors such as bundling multiple policies, having a good driving record, or being a member of a classic car club. Ensure you ask about these discounts to potentially lower your premium.
- Read Customer Reviews: Before finalizing your decision, read reviews and ratings of the insurance for collector cars you are considering. Customer feedback can provide insights into the service quality, claims process, and overall satisfaction with the best rated classic car insurance providers.
- Contact the Insurer: If you have any specific questions or need further clarification, contact the insurance company directly. Speaking with an agent can help you understand the nuances of your policy and confirm that you are getting the best coverage for your classic car.
By following these steps, you can efficiently obtain an online quote for car insurance for antique cars, ensuring that you get the best coverage at the most affordable rate.
Whether you’re looking for the best classic car insurance or the cheapest classic car insurance, this process will help you make an informed decision and protect your valuable vehicle.
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Case Studies: Best Car Insurance Companies for Classic Cars
This section highlight the experiences of classic car owners who have chosen the best classic car insurance companies. Each example showcases how these insurers meet the unique needs of their clients and provide exceptional service and coverage.
- Case Study #1– Vintage Auto Insurance Company: John chose Hagerty for his 1965 Mustang due to their specialized knowledge. Hagerty provided comprehensive coverage, including agreed value protection and flexible usage terms, ensuring John’s Mustang is well-protected.
- Case Study #2– Heritage Collector Car Insurance: Sarah’s 1957 Chevrolet Bel Air needed specific coverage for its high value. Travelers provided agreed value coverage and personalized service, making them an excellent choice for her classic car insurance. Explore relevant guide “Cheap Chevrolet Corvette Car Insurance“
- Case study #3– Classic Wheels Insurance: Mark’s 1969 Camaro required flexible coverage for shows and occasional drives. Liberty Mutual offered competitive rates and customizable options, fitting Mark’s needs perfectly.
- Case Study #4– Vintage Motor Insurance: Emily chose Vintage Motor Insurance for her 1963 Chevrolet Corvette. They provided agreed value coverage, spare parts protection, and restoration coverage, along with personalized advice and support.
- Case Study #5– Prestige Classic Insurance: Mark, a collector of high-end classic cars, chose Prestige Classic Insurance for comprehensive coverage and exceptional service. Their policies included agreed value coverage, overseas shipping, and flexible usage terms for car shows.
These case studies demonstrate how the best classic car insurance companies provide tailored coverage and exceptional service to meet the diverse needs of classic car owners.
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By choosing one of these top insurers, you can ensure your cherished vehicle is well-protected and enjoy the peace of mind that comes with expert care.
Bottom Line of Classic Car Insurance
The best classic car insurance companies, focusing on Hagerty, Travelers, and Liberty Mutual as the top picks for comprehensive coverage, flexible policies, and excellent customer service with rates starting at $75 annually.
It provides detailed case studies showcasing how these companies, along with Vintage Motor Insurance and Prestige Classic Insurance, meet the unique needs of classic car owners through specialized knowledge, agreed value coverage, and personalized support. (Read more: How To Get Free Insurance Quotes Online)
The article emphasizes the importance of choosing an insurer that understands the value of classic cars to ensure they receive the best protection. Our free online comparison tool below allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.
Frequently Asked Questions
Do I need to have a certain level of car maintenance to qualify for classic car insurance?
While classic car insurance providers typically don’t require a specific level of maintenance, keeping your vehicle in good condition can help ensure that you qualify for coverage and receive the best possible rates. Regular maintenance can also help prevent costly repairs down the line.
For additional details, consult our guide titled “What Age Do You Get a Discount On Car Insurance.”
Do I need to have my classic car appraised to get insurance?
While not all classic car insurance companies require an appraisal, many do. An appraisal can help determine the value of your vehicle, which can impact your insurance coverage and premiums.
Get the minimum car insurance coverage you need to drive legally by entering your ZIP code into our free quote comparison tool below.
Will my classic car insurance cover me if I lend my car to someone else?
It depends on the specific policy and insurance provider. Some classic car insurance policies may have restrictions on who can drive your vehicle, while others may allow anyone with your permission to drive the car. Be sure to check with your insurance provider to understand their policy on lending your classic car to others.
Will my classic car insurance cover modifications or upgrades?
Many classic car insurance policies have limitations on modifications and upgrades, and some may not cover them at all. If you plan to modify or upgrade your classic car, it’s important to discuss this with your insurance provider to ensure that your policy covers these changes.
Do I need to have a special garage to qualify for classic car insurance?
While some insurance companies may require a garage to qualify for classic car insurance, it’s not always necessary. However, having a secure, covered location to store your classic car is highly recommended to prevent damage or theft.
To delve deeper, read our guide titled “How much is car insurance“
What is agreed value coverage in classic car insurance?
Agreed value coverage is a type of insurance where you and your insurer agree on the value of your classic car at the start of the policy. In the event of a total loss, you will be paid the agreed-upon amount, ensuring you get the full value of your vehicle.
How do classic car insurance companies determine the value of my vehicle?
To find the best car insurance for comprehensive coverage, classic car insurance companies typically determine the value of your vehicle based on factors such as its make and model, condition, rarity, and the current market value. An appraisal or agreed value coverage can help establish a precise value.
Can I drive my classic car daily with classic car insurance?
Most classic car insurance policies have usage restrictions that limit how often you can drive your vehicle. These policies are typically designed for occasional use, such as car shows, parades, and pleasure drives, not for daily commuting.
Are there mileage restrictions with classic car insurance?
Yes, many classic car insurance policies include mileage restrictions to ensure the vehicle is not used as a primary mode of transportation. These limits can vary by insurer, so it’s important to review the policy details.
Can I get a discount on my classic car insurance?
Yes, many insurers offer discounts for classic car insurance. Common discounts include those for bundling multiple policies, being a member of a classic car club, having a good driving record, and installing anti-theft devices in your vehicle.
Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.