Classic Car Insurance Without A Garage

Can you get classic car insurance with no garage? No! Most car insurance companies require classic cars to be kept in a garage or storage facility to qualify for classic car insurance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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®

UPDATED: Jan 21, 2021

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Here's what you need to know...

  • Classic car insurance is a way to get a payout for your prized possession in the event of a loss, even though you may not be able to replace your antique or classic car exactly
  • Some insurance policies will require that a classic car be stored in a garage in order to be covered because it would be more protected from damage
  • If you do not have a garage, then you should inform your insurance agent when you take out the policy because you want to be sure that you will still have coverage for a claim

Can I get classic car insurance without a garage? If you own a classic car and plan to drive it at all, it must be added to your car insurance policy and will require a special type of insurance.

There are typically special requirements for this type of car insurance, such as having your car stored in a safe and secure place.

If you do not have your own garage on your private residence, you may need to seek out a safe storage space at another facility to satisfy the requirements of your car insurance company.

Keep in mind that insurance companies may be very particular about the accommodations of the space where you will be storing your classic car so that they can be sure it is in a safe location.

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How a Classic Car is Categorized for Car Insurance Purposes

AdobeStock_56177580-1600x1600There is no straight line definition of a classic car in terms of a car insurance policy. Each insurance company can have its own criteria for classifying a classic car with respect to your insurance policy.

For many insurance companies, a classic car would be a vehicle that has a value that is greater than the original selling price of the car over time.

This means that the value of the car actually increases with age because it is so rare and is in such a good condition.

One of the major steps in agreeing to the terms of a car insurance policy is reaching an agreement with the insurance company on the exact value of your car so that you are completely covered if you have to file a claim for the loss of the classic car.

There are other types of rare cars that require special consideration for car insurance.

Some of these rare vehicles include:

  • Muscle cars
  • Hot rods
  • Exotic cars
  • Luxury cars
  • Modified cars
  • Sports cars

Any of these vehicles have a value that exceeds the average value of a typical car and need to be valued according to their unique individual condition for insurance purposes.

It is not possible to simply look up the value of these cars or trucks in a book because their special features that attribute to value must be taken into consideration.

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Getting Affordable Rates for Your Classic Car

If you own any of these types of cars, you should already be prepared to pay more for your car insurance premium than if you owned a regular car or truck.

For this reason, you should try to minimize the cost of your premium, such as showing your car insurance company proof that you only intend to drive your classic car for recreational purposes or to show your car at garage and car shows.

In addition, it is especially important to have a clean driving record if you plan to insure your classic car.

Remember that no auto insurance company is required to provide insurance for a classic car, and a situation like a poor driving record can certainly influence its decision.

Offenses such as moving violations or having a high number of claims on your record can make it even more difficult to get car insurance for your classic car.

Finding the Cheapest Classic Car Insurance

You may have to contact multiple car insurance agencies in order to get accepted for classic car insurance in the first place.

Some car insurance companies will have different stipulations on whether you can drive your classic car to exhibitions and functions as well as whether it can be used for recreational driving.

Another thing to check with your car insurance company about is whether you will need to show that you have another regular vehicle for daily use.

Some companies will not allow you to get car insurance for a classic car if you cannot show that you have an additional vehicle registered that you will be using for daily use.

Finally, you also want to understand how your auto insurance company will deal with a claim for your classic car.

If you are going to be provided with an opportunity to have your car repaired rather than simply receiving a check for the value of the car, then you want to have the option to take it to the repair shop of your choice.

This is because there are likely specialized parts and skills required to get your classic car back in working order.

The Final Word on Classic Car Insurance With No Garage

If you have a classic car, your auto insurance company will most likely want to know that it will be covered in a garage so that it is protected from damage on a daily basis.

This is because classic cars tend to be very valuable and are more costly to replace.

If you have to file a claim for your classic car, you will likely receive a check for the value of the car rather than money to have it repaired.

Because classic cars are unique and more valuable, car insurance companies have more stipulations on the care required for a classic car and the way that it can be used.

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