6 Best Auto Insurance for Classic Cars in US

Before looking for any best auto insurance for classic cars, you may want to know whether your car is a classic car. Classic car is a vehicle that is 25 years old or more. For some people, a classic car is not only a means of transportation, it is also an investment.

This vehicle will need insurance, but you cannot get the regular insurance for a regular car. If you own a classic car, you’ll need one that’s designed for classic cars. Unlike the regular car insurance type, classic car insurance will protect the investment and make sure your care will always still be around.

Best Auto Insurance for Classic Cars in US

Classic cars can be the American muscle cars and their old school look or the limited edition cars. The value of your beloved 1954 Chevrolet truck or 1969 Dodge Charger will go up while the parts of the car continue to wear. Interested in getting insurance for your classic car? Consider these ones.

1. American Modern

American-Modern Best Auto Insurance for Classic Cars

The American Modern has offered insurance since 1949. This insurance company knows the outs and ins of insuring antique autos, classic cars, and the other vehicles that are collectible. The Better Business Bureau gave this company an A+ rating that means you need to consider this company first.

There are some benefits provided by American Modern, including available nationwide which means you can easily reach anywhere, the value you agree will be determined before the policy is being signed, and there are discounts you can get (up to 45%).

American Modern covers so many types of vehicles, including classic cars, muscle cars, exotic vehicles, race cars, cobra replicas, street rods, retired military vehicles, collectible tractors, and so on.

2. State Farm


Another best auto insurance for classic cars is State Farm where the headquarters is located in Bloomington, Illinois. This insurance company offers rates that are fairly competitive, as well as coverage options for various classic cars.

The coverage provided by State Farm is available nationwide. The rates that will be determined will be based on use. The company also provides USD 500 in coverage for spare parts. State Farm will cover classic cars that are between 10 and 24 years old.

This insurance company also covers some basic types for your classic cars such as collision, liability, comprehensive, emergency road service, and uninsured motorist.

3. Safeco Insurance


Safeco Insurance’s headquarters is in Seattle, Washington. This insurance company offers policies that allow classic car owners to drive their car somewhat regularly. Just like American Modern, Safeco Insurance also got A+ rating from the Better Bureau Business, you can trust the company.

There are no major restrictions for mileage which means you can drive your classic car more freely. The company also has some unique discounts for the owners of classic cars. Besides, Safeco Insurance also offers great perks and coverages.

Unfortunately, this company is not available in the entire 50 states. Also, the insurance policies are limited to antique autos and classic cars with some restrictions.

4. Hagerty

Hagerty Best Auto Insurance for Classic Cars

Hagerty’s headquarters is located in Traverse City, Michigan. This company has specialized in the insurance for classic cars since 1984. Hagerty offers excellent rates and several incredible perks. The owners of classic cars can reinvest back into the community of classic cars.

The company offers coverage for staff members and restoration projects that are all dedicated to help you in finding the parts. If you are one of the restoration lovers, you’re going to love this outstanding insurance.

Hagerty has special coverage for the restoration of cars and projects that are under construction. Compared to the other companies, this best auto insurance for classic cars covers higher tools and spare parts. There are also many more perks specifically for the classic cars.

Unfortunately, this insurance company has some strict requirements for the coverage and cannot insure the classic cars that you use everyday.

5. Grundy Insurance


Then there is Grundy Insurance that is available in all 50 states in the US. This company was established in 1947 and now has a headquarters in Horsham, Pennsylvania. The Better Business Bureau had accredited this company with an A+ rating.

This rating indicates that the company is dedicated to resolving the issues and complaints caming from the customer. Grundy Insurance offers some standard car insurance types and coverages such as property damage liability, bodily injury liability, comprehensive, collision, medical payments, and so on.

The insurance policies for classic cars also offer coverage for spare parts up to USD 500, coverage for trip interruption up to USD 600, and also coverage for labor and towing up to USD 250.

6. American Collectors Insurance

American-Collectors-Insurance Best Auto Insurance for Classic Cars

Just like the previous company, American Collectors Insurance is also available in all 50 states. American Collectors was established in 1976 and its latest headquarters is located in Cherry Hill, New Jersey. This company is sold through the USAA, a reputable company of car insurance.

For the classic cars, this insurance company offers coverage with agreed value, coverage for vehicles in restoration, coverage for spare parts, and newly acquired vehicles automatic coverage. Besides, the insurance company also has a protection program that is unique called TLC.

The TLC stands for towing and labor for collectors. This is a plan that provides roadside assistance, theft reward, and expense reimbursement for classic car shows.

When choosing the best auto insurance for classic cars, make sure the policies have the coverage you need. Pick the policies that are available in your own state so you can get help easily when in need.

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