Best Classic Car Insurance in 2025 (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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Table of Contents
Table of Contents
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Justin Wright
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...
Brandon Frady
Updated April 2024
18,155 reviewsCompany Facts
Full Coverage for Classic Car
A.M. Best Rating
Complaint Level
Pros & Cons
18,155 reviews
11,638 reviewsCompany Facts
Full Coverage for Classic Car
A.M. Best Rating
Complaint Level
Pros & Cons
11,638 reviews
3,072 reviewsCompany Facts
Full Coverage for Classic Car
A.M. Best Rating
Complaint Level
Pros & Cons
3,072 reviews
State Farm stands out as the ultimate choice for the best classic car insurance, providing competitive rates starting at just $30 per month for complete coverage.
Along with Allstate and Farmers, they offer affordable rates and comprehensive coverage options that cater to your driving needs.
Our Top 10 Company Picks: Best Classic Car Insurance
Company Rank Classic Car Discount A.M. Best Best For Jump to Pros/Cons
#1 25% A++ Customized Coverage State Farm
#2 20% A+ Comprehensive Policies Allstate
#3 22% A Specialized Coverage Farmers
#4 18% A+ Expertise Assurance Progressive
#5 21% A+ Agreed Value Amica
#6 16% A++ Low Premiums Chubb
#7 19% A Tailored Protection AAA
#8 14% A Financial Stability Safeco
#9 17% A+ High Limits The Hartford
#10 15% A+ Policy Savings Nationwide
- 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 Possibilities: State Farm offers a variety of discount opportunities for policyholders.
- Financial Security: State Farm is backed by a financially stable organization.
- Outstanding Customer Support: State Farm is celebrated for its prompt and customer-oriented service.
Cons
- Coverage Limitations: Certain driving requirements may not qualify for additional policy features. Explore further details in our State Farm car insurance review.
- Claims Handling: Policyholders might face delays or challenges during the claims processing procedure.
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#2 – Allstate: Best for Comprehensive Policies
Pros
- Savings Potential: Allstate provides customized discount opportunities for individuals.
- Financial Stability: Allstate enjoys the support of a financially strong corporation.
- Exceptional Customer Care: Allstate is renowned for its prompt and easily accessible service.
Cons
- Policy Limitations: Certain additional policy features from Allstate may not fully meet individual needs. Consult our Allstate auto insurance review for guidance.
- Claims Handling: Individuals may encounter delays or challenges during the claims process with Allstate.
#3 – Farmers: Best for Specialized Coverage
Pros
- Tailored Policies: Farmers, as highlighted in our Farmers auto insurance review, customizes coverage to suit individuals’ needs.
- Affordable Premiums: Farmers provides cost-effective car insurance options.
- Discount Opportunities: Farmers offers various discounts, including those for classic cars.
Cons
- Availability Restrictions: Farmers primarily operates through local agents, which may not be accessible in certain areas.
- Coverage Constraints: Certain additional coverage options may not fully meet policyholders’ requirements.
#4 – Progressive: Best for Expertise Assurance
Pros
- Tailored Policies: As noted in our Progressive auto insurance review, personalized coverage options are available for classic cars.
- Competitive Rates: Progressive offers affordable pricing for its policies.
- Discount Opportunities: Progressive provides various discount options, including those tailored for seniors.
Cons
- Claims Processing: Customers may encounter delays or complications during the claims process.
- Limited Discount Selection: Progressive may not offer as wide a range of discounts as some of its competitors.
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#5 – Amica: Best for Agreed Value
Pros
- Affordable Rates: Our Amica car insurance review highlights budget-friendly and competitive pricing.
- Flexible Coverage Options: Amica offers customizable policies with comprehensive coverage.
- Discount Opportunities: Amica provides various discounts, including ones specifically designed for classic cars.
Cons
- Limited Local Agents: Amica’s primary mode of operation is online and over the phone, potentially limiting in-person assistance.
- Policy Limitations: Certain additional coverage options may not fully address the specific needs of classic cars.
#6 – Chubb: Best for Low Premiums
Pros
- Customized Coverage: Chubb provides personalized coverage options tailored to classic cars.
- Competitive Rates: Chubb offers cost-effective pricing.
- Outstanding Customer Care: Chubb is renowned for its efficient and user-friendly service.
Cons
- Membership Restrictions: Chubb membership is exclusively available to military personnel, veterans, and their families.
- Availability Constraints: Chubb’s availability may differ depending on the location. For further insights, refer to our Chubb auto insurance review.
#7 – AAA: Best for Tailored Protection
Pros
- Tailored Coverage: AAA offers customized policy options specifically designed for classic cars.
- Competitive Rates: AAA provides budget-friendly pricing. Begin your affordability journey with our AAA auto insurance review.
- Discount Options: AAA extends various discounts, including ones tailored for classic cars.
Cons
- Limited Local Agent Availability: AAA mainly operates through local agents, which may not be universally accessible.
- Coverage Limitations: Certain policy enhancements may not fully meet the needs of classic cars.
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#8 – Safeco: Best for Financial Stability
Pros
- Tailored Coverage: Safeco tailors insurance plans to suit the distinctive needs of classic cars.
- Competitive Rates: Safeco offers competitive pricing for car insurance.
- Discount Opportunities: Safeco provides various chances to save on insurance premiums.
Cons
- Agent Availability: Safeco’s local agents may not be accessible in all areas.
- Coverage Restrictions: Some policy add-ons may not fully accommodate the requirements of classic cars according to our Safeco car insurance review.
#9 – The Hartford: Best for High Limits
Pros
- Discount Opportunities: The Hartford offers a range of discount options, including ones specifically for classic cars, assisting customers in saving money.
- Financial Security: The Hartford boasts financial stability, instilling confidence in drivers.
- Efficient Customer Service: The Hartford provides responsive customer support, ensuring timely assistance for policyholders.
Cons
- Claims Handling Challenges: Our The Hartford car insurance review highlights potential complexities in the claims process.
- Limited Discount Selection: The Hartford provides fewer discount options, which may have an impact on seniors.
#10 – Nationwide: Best for Policy Savings
Pros
- Discount Opportunities: Nationwide offers a diverse range of discount options.
- Financial Stability: Nationwide benefits from strong financial backing.
- Outstanding Customer Support: Nationwide is recognized for its responsive and user-friendly service.
Cons
- Claims Handling: Our Nationwide car insurance review suggests potential delays in claims processing.
- Limited Discount Options: Nationwide may not offer as wide a variety of discounts as some of its competitors.
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Cost of Classic Car Insurance
Classic Car Insurance
Classic car insurance is distinct from standard coverage, tailored for vehicles aged at least 10 years old, often over 20, with historical significance. It encompasses antique, exotic, high-performance, and exhibitionist vehicles primarily used for car shows.
However, many insurers impose strict guidelines, such as requiring storage in a locked garage. Obtaining classic car insurance without a garage can be challenging. Explore further: Compare Garageless Classic Car Insurance: Rates, Discounts, & Requirements.
Classic Auto Insurance Policy Coverage
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Finding the Best Insurance for Unique Classic Cars
Begin by compiling a list of insurance companies that cover your car. Consider your budget, desired coverage, and any specific restrictions, such as garage storage requirements. Utilize online quote tools to compare rates and options.
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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