Classic and Collector Car Insurance

When it comes to your classic car, a regular auto policy just won’t do. While most cars depreciate as they age, a classic or collector car appreciates in value.

Does your vehicle qualify for classic car insurance?

To be eligible for classic car insurance, your vehicle must fit one of the following definitions:

• Classic car:
  • 10 to 24 years old that has a historic interest (e.g., a sports car or muscle car).
• Antique car:
  • 25 or more years old that fits one of these categories.  
  • The Veterans (cars created on or before December 1904),
  • Edwardian (vehicles manufactured between January 1905 and December 1918), and
  • Limited (rare, special interest, or limited editions). 
  • If a "classic car" is more than 25 years old, it is considered an antique car for insurance purposes.

• Collector Car:
  A collector car is a vehicle valued for its rarity, performance, design, or limited production—often well-maintained and driven sparingly. These vehicles may be newer models but stand out due to exclusivity, enthusiast demand, or special-edition status. Collector cars can include both classic and antique vehicles, but many are modern performance or limited-run cars with growing long-term value.

  Examples of Collector Cars:

  • 2020 Ford Mustang Shelby GT500

  • 2019 Chevrolet Corvette ZR1

  • 2016 Dodge Viper ACR

  • 2021 Porsche 911 GT3

  • 2015 Nissan GT-R NISMO

   

Your antique, classic, or collector car must also meet these conditions: 

• Limited use: Only be used on a very limited basis and not used as a daily driver.
• Condition: The vehicle must be in well-maintained condition whether stock or modified.
• Storage: It is required that you store your vehicle in an enclosed garage.

Policies for antiques, classic cars, and collector vehicles include typical vehicle coverage options, such as liability, collision, comprehensive, medical payments and more. We'll help you customize your collector auto insurance policy based on your year, make, and model.