Best Classic Car Insurance in 2024 (Your Guide to the Top 10 Companies)
State Farm, Allstate, and Farmers are among the leading options for best classic car insurance, with rates starting at only $30 per month. These providers offer affordable yet extensive coverage, making them perfect for people looking for discounts and reliable protection tailored to their driving needs.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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UPDATED: Apr 17, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 17, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Full Coverage for Classic Car
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Classic Car
A.M. Best Rating
Complaint Level
Company Facts
Full Coverage for Classic Car
A.M. Best Rating
Complaint Level
- State Farm offers competitive rates, starting at $30 per month
- Defensive driving and safer vehicles can reduce costs with best classic car insurers
- Tailored options and discounts guarantee the best auto insurance for classic cars
#1 – State Farm: Top Overall Pick
Pros
- Discount Opportunities: State Farm presents various discount options.
- Financial Stability: State Farm is supported by a financially secure company.
- Exceptional Customer Service: State Farm is renowned for its responsive and user-friendly service.
Cons
- Coverage Constraints: Driving needs may not be eligible for policy add-ons. Find out more in our State Farm car insurance review.
- Claims Process: People may encounter delays or complications when processing claims.
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#2 – Allstate: Best for Comprehensive Policies
Pros
- Discount Prospects: Allstate provides tailored discount options for people.
- Financial Stability: Allstate is supported by a financially stable corporation.
- Excellent Customer Service: Allstate is renowned for its prompt and easily accessible service.
Cons
- Coverage Limitations: Certain additional policy features might not completely meet the needs of people. Use our Allstate car insurance review as your guide.
- Claims Handling: People may encounter delays or challenges during the claims procedure.
#3 – Farmers: Best for Specialized Coverage
Pros
- Personalized Coverage: Farmers, as mentioned in our Farmers car insurance review, tailors to peoples’ needs.
- Cost-effective Premiums: Farmers offers affordable car insurance.
- Discount Availability: Farmers provides various offers, including those for classic cars.
Cons
- Limited Availability: Farmers mainly functions via local agents, potentially inaccessible in some regions.
- Policy Limitations: Specific additional coverage options may not completely meet requirements.
#4 – Progressive: Best for Expertise Assurance
Pros
- Customized Policies: In our Progressive car insurance review, customized coverage options cater to classic car.
- Robust Rates: Progressive provides affordable pricing.
- Price Reduction: Progressive offers various discount opportunities, including those specific to seniors.
Cons
- Claims Handling: People may experience delays or complications in the claims process.
- Limited Discounts: Progressive may not offer as many discounts as some competitors.
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#5 – Amica: Best for Agreed Value
Pros
- Competitive rates: Our Amica car insurance review reveals competitive rates that are budget-friendly.
- Comprehensive coverage options: Amica provides customizable policies.
- Discounts: Amica offers various discounts, including those tailored for classic cars.
Cons
- Limited local agents: Amica operates primarily online and over the phone.
- Coverage limitations: Some policy add-ons may not fully meet classic cars’ needs.
#6 – Chubb: Best for Low Premiums
Pros
- Tailored Policies: Chubb offers customized coverage options for classic cars.
- Competitive Prices: Chubb provides affordable rates.
- Exceptional Customer Service: Chubb is widely recognized for its prompt and easy-to-use service.
Cons
- Restricted Membership: Chubb membership is limited to military members, veterans, and their families.
- Limited Availability: Chubb’s availability may vary by location. Check other details through our Chubb car insurance review.
#7 – AAA: Best for Tailored Protection
Pros
- Personalized Policies: AAA provides personalized coverage options for classic cars.
- Competitive Pricing: AAA offers affordable rates. Your affordability guide starts with our AAA car insurance review.
- Discount Opportunities: AAA offers discounts, including ones for classic cars.
Cons
- Restricted Availability of Local Agents: AAA primarily operates through local agents, which may not be universally accessible.
- Coverage Restrictions: Some policy enhancements may not completely address classic cars’ needs.
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#8 – Safeco: Best for Financial Stability
Pros
- Personalized Insurance: Safeco offers customized coverage options to address the unique requirements of classic cars.
- Competitive Pricing: Safeco provides competitive rates for car insurance.
- Discount Availability: Safeco offers various savings opportunities.
Cons
- Agent Availability: Safeco’s local representatives may not be available everywhere.
- Coverage Limits: Our Safeco car insurance review mentioned that some policy extras may not fully suit classic cars.
#9 – The Hartford: Best for High Limits
Pros
- Discount Options: The Hartford provides various discounts, including those for classic cars, helping them save.
- Financial Stability: The Hartford is financially secure, giving drivers confidence.
- Responsive Service: The Hartford offers prompt customer support, ensuring people get help quickly.
Cons
- Claims Complexity: In our The Hartford car insurance review, people may encounter claim challenges.
- Discount Variety: The Hartford offers fewer discounts, impacting seniors.
#10 – Nationwide: Best for Policy Savings
Pros
- Discount Possibilities: Nationwide presents a variety of discount offerings.
- Financial Strength: Nationwide is supported by a financially robust company.
- Exceptional Client Assistance: Nationwide is acknowledged for its responsive and easy-to-navigate service.
Cons
- Claims Processing: In our Nationwide car insurance review, people may experience claim processing delays.
- Limited Discount Variety: Nationwide might not have as broad a selection of discounts as some competitors.
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Cost of Classic Car Insurance
Classic Car Insurance
Classic Auto Insurance Policy Coverage
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Finding the Best Insurance for Unique Classic Cars
Best Classic Car Insurance Companies
Classic Auto Insurance: The Bottom Line
Frequently Asked Questions
What is Classic Car Insurance?
Classic car insurance is a specialized type of insurance designed specifically for vintage, antique, and collector cars. It provides coverage tailored to the unique needs of classic cars, which may include agreed value coverage, limited mileage options, and coverage for spare parts or restoration expenses.
How is classic car insurance different from regular car insurance?
Classic car insurance differs from regular car insurance in several ways. Unlike regular car insurance that typically values a vehicle based on its actual cash value (ACV), classic car insurance often provides agreed value coverage. This means that in the event of a covered total loss, the insurer will pay the agreed-upon value stated in the policy, considering the car’s rarity, condition, and other factors. Classic car insurance may also have mileage restrictions and specific storage requirements like the cheapest car insurance.
Can any car be insured as a classic car?
Not every car can be insured as a classic car. Insurance companies typically have specific criteria to define what qualifies as a classic car. Generally, a classic car is considered to be a vehicle that is over a certain age (often 20 to 25 years old), in good condition, and maintains its original or restored features. It’s best to consult with insurance providers to determine if your car meets the criteria for classic car insurance. Enter your ZIP code now.
Are classic cars more expensive to insure than regular cars?
The cost of insuring a classic car can vary depending on several factors, including the car’s value, age, condition, usage, and the coverage options selected. While classic car insurance may have certain restrictions and requirements, such as limited mileage, proper storage, and membership in a recognized car club, the premiums can sometimes be lower than insuring a regular car because classic cars are often driven less frequently and are typically well-maintained.
Can I use my classic car for everyday driving?
Classic car insurance typically imposes restrictions on the usage of the vehicle. Most policies require that the classic car is used for occasional pleasure driving, good driver discounts, exhibitions, club activities, and similar purposes rather than regular daily commuting or commercial use. The mileage restrictions may vary among insurance providers, so it’s important to understand the specific limitations stated in your policy.
How much is classic car insurance?
What is classic car insurance?
What does a classic auto insurance policy cover?
How do I find the best insurance for unique classic cars?
What are the best classic car insurance companies?
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.