Best Car Insurance for WW2 Vehicles

If you need insurance for WW2 vehicles, you can likely find coverage at some of the top insurance companies in the country. Many quotes for WW2 vehicles insurance can range from $400 to $1,000 a year for classic car insurance coverage, although there are cases when the car's value will cause it to be more. Even still, these rates for WW2 vehicles insurance are surprisingly affordable compared to traditional policies on the same vehicles.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Apr 3, 2022

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Here's what you need to know...

  • Some top insurance companies offer classic military vehicle coverage
  • You can also get agreed value insurance for custom military vehicles
  • The vehicle will have to be over 20 years old and de-militarized

If you’re the proud owner of any WW2 vehicles, you’ll likely want to have them protected. Comprehensive classic military car insurance can work as a tool to help you protect your vehicle. Understanding your car insurance policy is important, though, as it may have conditions for classic cars.

Are you looking for rates for WW2 vehicles insurance? Enter your ZIP code into our free quote tool to see what you could pay for coverage today.

What companies offer insurance for military vehicles?

Even if you don’t drive it often, your military vehicle will need to have a car insurance policy. Luckily, several popular insurance companies offer policies designed for antique military vehicles.

Some of the top insurance companies that offer insurance for military vehicles include:

  • Nationwide
  • Hagerty
  • GEICO

These insurers explicitly state that they provide coverage for military vehicles, but that doesn’t mean they are your only option. For example, other insurance companies may be willing to give you an agreed value policy on your military vehicle.

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Do military vehicles have insurance?

Just like every other car on the road, your military vehicle will require insurance coverage. The coverage will protect you from being financially liable for theft, damage, or collision while out on the road.

Having a comprehensive military vehicle policy can keep you from losing an irreplaceable relic of history. In addition, the price might be more affordable than you think as long as you don’t frequently drive the vehicle.

Can military vehicles count as classic cars?

Vehicles in WW2, much like classic cars, are a part of history that we can still experience today. Whether to achieve a sense of scale or to participate in re-enactments, people can benefit from understanding what others went through all that time ago.

Most of the time, you can get classic car insurance on a military vehicle as long as you don’t drive it frequently. If you only bring it out for shows or as an icebreaker, you could benefit from insuring your WW2 tanks with a classic car policy.

What WW2 vehicles will insurance companies cover?

Before an insurer gives you coverage for a military vehicle, they’ll need to verify that it is within classic car parameters. An insurer won’t provide a classic car policy to anyone who says they have a classic vehicle, as this often comes with increased value.

Some of the conditions that Hagerty has for historic military vehicle insurance include:

  • Vehicle must be 20 years or older
  • Re-enactments are okay as long as the vehicle is mostly stationary
  • All offensive arms must be removed

The insurer will want to verify that your vehicle can’t harm anyone with live rounds or be damaged while participating in re-enactments. If your car meets these requirements, you shouldn’t have any difficulty getting it covered.

De-militarizing your vehicle doesn’t necessarily mean removing any big pieces. It just has more to do with eliminating key components that are essential in firing the weapons. This can be as simple as filling a tank barrel with cement or removing a firing mechanism.

How much does it cost to insure a military vehicle?

Because classic military vehicles aren’t used like classic cars, you can likely save a great deal on insurance. Various insurance companies will offer you classic car insurance coverage to protect your vehicle.

That being said, there are some requirements your vehicle will have to meet before it’s considered a classic vehicle. Most intact WW2 vehicles would meet this standard, but the insurer will likely still want to verify:

  • The vehicle’s age
  • Value of the vehicle
  • Mileage and use

If you can prove that your car passes all these standards, you can likely get classic military car insurance from $400 to $1,000 a year. This is much more affordable than if you insured the vehicle under a standard policy.

How much is insurance on a tank?

While it may be surprising, nearly any civilian can purchase and use military tanks. What’s even better is that it doesn’t seem insurers place these tanks in a separate category from other classic military vehicles.

Some tanks go for around $250,000 each, and the legal paperwork can complicate the process. The insurance may also cost you slightly more due to the increased value of the property being insured.

What insurance options are available for military vehicles?

As with most insurance products, there are multiple routes that you can take to get car insurance coverage. If you need to insure your military vehicle, you should consider:

  • Classic military insurance
  • Agreed value insurance

With these policies, you can guarantee that your antique piece of history is covered against various hazards.

What is agreed value insurance?

As the name sounds, an agreed value car insurance policy is coverage where you and the insurance company agree on the vehicle’s value. This can help in situations when:

  • Vehicles have custom parts
  • Vehicles’ components are missing
  • Hard to find value of the vehicle

This insurance can help when you can’t pin down the vehicle’s value or altered it somehow. The insurer will discuss the car with you and insure it for a value that you both can agree upon.

What is a classic military vehicle policy?

Classic military vehicle insurance is a great way to protect your piece of history against various hazards in the world or on the road.

A classic vehicle car insurance policy will protect you against:

  • Collision
  • Theft
  • Damage

Even if you don’t drive your vehicle on the road, you will still greatly benefit from having a comprehensive car insurance policy. The one time you do have to move it somewhere, you may have a collision, so it’s always wise to keep that coverage.

It won’t cost you through the roof, though, as a comprehensive policy on a classic car is much more affordable than traditional car insurance. That’s because the insurer is counting on you not using the car insurance coverage on your classic vehicle.

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World War II Vehicle Insurance: The Bottom Line

While classic WW2 vehicles are getting more expensive as time goes on, the insurance isn’t matching that trend. However, you can get traditional military car insurance on most vehicles, tanks, or older jeeps. So you can protect your piece of American military history against any opposing forces.

Are you looking for quotes for WW2 vehicles car insurance? Enter your ZIP code into our free quote tool to see what you could pay today.

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