Companies Offering Insurance for Classic Cars

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Here's what you need to know...
  • Classic car insurance is car insurance for antique or collector automobiles
  • Classic cars are usually insured according to an agreed upon value
  • Classic cars must meet certain requirements to be categorized as such

Rather than valuing an auto at the fair market value, classic automobiles are insured for an agreed upon amount, taking into consideration the condition of the automobile and any restorations that have been performed to the automobile.

Agreed value allows owners of classic or antique automobiles to protect the investment in their vehicle.

There are several factors to consider in determining whether your car is a classic or collectible car.

  • First, most classic car insurance companies require that the covered vehicle is vintage or an older model, usually at least 25 years old.
  • Another thing to consider in determining whether your car is collectible is how much you have invested in the vehicle and the rarity of the auto.

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Which companies provide classic car insurance?


There are many insurance companies that offer classic car insurance. A few well-known companies that offer classic coverage include:

#1 – Geico

Geico offers classic car insurance for automobiles that qualify as “desirable vintage model automobiles” that are at least 25 years old.

#2 – Progressive/Hagerty

Progressive and Hagerty have teamed together to offer broad coverage with many conveniences for customers.

Progressive offers classic car coverage through Hagerty collector car insurance.

Hagerty collector car insurance prides itself on its broad coverage and competitive rates.

#3 – The Hartford

The Hartford offers classic car insurance with many extra conveniences for customers including:

  • 24/7 roadside assistance
  • No-drop promise with promised continued coverage subject to maintaining a valid driver’s license
  • 24/7 claims service

The Hartford defines an antique auto as a vehicle manufactured at least 25 years ago and driven primarily in parades, exhibitions, and infrequently for other reasons.

The Hartford defines a classic auto as a private passenger vehicle manufactured at least 10 years ago with a value significantly higher than the average value of autos of similar make, model and year.

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Additional Companies that Provide Classic Car Coverage

If you would like to have a smaller company provide classic car coverage, there are other options. A few other companies that specialize in classic car insurance include:

#1 – Grundy Insurance

Grundy Insurance offers special coverage for collectible automobiles under one of its divisions.

Grundy Insurance offers coverage for collectible automobiles under its Special Client Services division.

#2 – J.C. Taylor

J.C. Taylor offers insurance policies for both antique automobiles and specialty modified automobiles.

J.C. Taylor prides itself on its experience and involvement with national and regional automobile clubs.

#3 – American Collectors Insurance

Classic red car

Rated by 99 percent of its customers as being very good to excellent, American Collectors prides itself on customer satisfaction.

#4 – Northeast Classic Car Insurance

Northeast Classic Car Insurance offers flexible choices for classic car insurance policies, including plans which cover autos driven from 1,000 to 6,000 miles per year.

The company does not have any limitation on age and will ensure vehicles made from 1900 until the present year.

#5 – Leland West

Leland West provides classic car insurance coverage with an agreed value and no deductible.

The company offers unlimited mileage and commuting options.

Policyholders also have the option of placing limits on mileage for extra savings.

Classic Car Insurance


Although there are many options when it comes to classic car insurance, each company offers unique benefits.

The information above can be used as a guide to help you find the insurance provider that is the perfect fit for you.

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