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commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The
information on this site does not modify any insurance policy terms in any way.
Click at least 2-3 companies to find the very best rate.
Best Best for Regular Use Coverage
Safeco Classic Cars Insurance
A
AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
871
J.D. Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
Best for Digital Services
Geico
A++
AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
881
J.D. Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
Best for Local Agents
State Farm
A++
AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
892
J.D. Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
Best for Specialized Coverage
The Hartford Classic Car Insurance
A+
AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
905
J.D. Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
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Classic cars have unique characteristics that may require special insurance coverage. These vehicles are usually at least 10 to 30 years old, and their value often exceeds the original purchase price; they are driven infrequently and are kept in good condition. In most cases, a personal car insurance policy doesn’t offer adequate protection. Reviews.com conducted extensive research into classic car insurance coverage to help you choose the best car insurance company for the unique needs of your prized vehicle.
The Top 4 Classic Car Insurance Providers
Reviews.com analyzed each company’s AM Best financial strength score, J.D. Power customer satisfaction rating, coverage offerings, and discounts to determine which providers to feature. Based on our research, we think these four companies sell some of the best classic car insurance coverage:
While we think these are some of the best classic car insurance companies available, keep in mind that your own circumstances, needs, and preferences will determine which carrier is the best for you.
AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
J.D. Power* J.D. Power scores are based on surveys for customer satisfaction and product quality.
If you drive your classic car often or use it as your main vehicle, Safeco might be able to provide the coverage you need at a good price. Not all insurance companies offer regular-use coverage for classic cars, but Safeco does.
A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
871* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
Why we chose it
If you drive your classic car often or use it as your main vehicle, Safeco might be able to provide the coverage you need at a good price. Not all insurance companies offer regular-use coverage for classic cars, but Safeco does.
Pros
Option for vehicle use up to 10,000 miles per year
Discount may be available if you drive fewer than 5,000 miles per year
Emergency roadside assistance tailored to the needs of classic cars
Cons
Lower financial strength than competitors
Below-average J.D. Power claims satisfaction score
Geico’s classic car insurance is offered through American Modern or Assurant, depending on your needs. American Modern offers a robust online experience, making Geico an option for drivers who value technology-driven experiences.
A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
881** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
Why we chose it
Geico’s classic car insurance is offered through American Modern or Assurant, depending on your needs. American Modern offers a robust online experience, making Geico an option for drivers who value technology-driven experiences.
Pros
Superior financial strength
Strong digital presence
Several optional coverage types available
Cons
No standard use coverage available
The third-party underwriting companies may have fewer local agents
Vehicles must be stored in an enclosed garage or facility
Read More
OTHER POLICIES OFFERED
Auto
Home
Renters
Boat
State Farm
Best for Local Agents
WHY WE CHOSE IT
State Farm has a network of agents across the country, so if you prefer an in-person experience, this company could be a good choice.
A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
892** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
Why we chose it
State Farm has a network of agents across the country, so if you prefer an in-person experience, this company could be a good choice.
Pros
Local agents available
Options for antique and classic cars
High J.D. Power and AM Best ratings
Cons
No option to increase spare parts coverage from the standard $500
The Hartford partners with Hagerty to write its classic car insurance coverage. Hagerty specializes in classic cars, which might mean you’ll get more classic-car-specific options.
A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
905* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
Why we chose it
The Hartford partners with Hagerty to write its classic car insurance coverage. Hagerty specializes in classic cars, which might mean you’ll get more classic-car-specific options.
Pros
Specialized classic car coverage
Emergency road service tailored to the needs of classic cars
Several discounts available
Cons
No standard use coverage available
Few local agents
Must be an AARP member to purchase Hagerty coverage through The Hartford
Read More
OTHER POLICIES OFFERED
Auto
Homeowners
Business
*J.D. Power’s 2021 U.S. Auto Claims Satisfaction study. Based on a 1,000-point scale.
What Qualifies as a Classic Car for Insurance Providers?
Just because your car is old doesn’t mean it qualifies as a classic car. Insurance companies use certain guidelines to determine whether a car is a true classic car or a daily driver.
Every insurance provider has slightly different rules, but most define a classic car as one that is over 10 years old, is not driven regularly, is stored in a garage or other protected facility, and is kept in good condition. There may also be rules around limited production or historical significance.
Additionally, not every classic car qualifies for insurance coverage. Here are the types of classic cars that our top four providers usually cover:
Most insurance companies offer a few discounts for classic car owners. Keep in mind that there are usually fewer discounts available for classic car insurance than personal car insurance, due to the strict guidelines on how classic cars can be used. Here are some of the best discounts for classic car insurance:
Anti-theft device
Policy bundling
Multi-vehicle
Defensive driving course
In addition to these savings, drivers may be able to earn a lower car insurance rate by raising their deductible and improving their credit score (in most states). Before you purchase a policy, shop around and get a few quotes to see which company can give you the lowest rate.
If you have full coverage and you get into an accident or something happens to your vehicle, you can file a claim with the insurance company, regardless of if you have classic car insurance or a standard car insurance policy. Classic car insurance policies also include liability coverage, just like standard policies, to cover you for damages you cause to someone else. With a classic car insurance policy, typically, you’ll be reimbursed for your classic vehicle’s damages up to the stated amount of coverage or the value of the repairs, whichever is less, and make the repairs as usual. With a standard insurance policy, repair costs and total losses are typically determined at an actual cash value amount. However, classic car insurance usually covers the vehicle for a value agreed upon between the policyholder and the insurance company.
Cars eligible for classic car insurance are typically at least 10 years old, are in good condition, are kept in a covered storage area, and are driven infrequently. Most car insurance companies cover any classic car or truck, antique car, replica, restoration, or exotic car, as long as it fits the insurance company’s criteria. However, specific eligibility requirements vary by company, so be sure to review the guidelines of the carrier you’ve chosen.
Methodology
Reviews.com reviews products, services, and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared customer support, coverage options, customer satisfaction scores, and online resources from each company to determine top providers.
Cate Deventer is a writer and licensed insurance agent. She has a Bachelor’s degree in theatre and is currently pursuing a degree in English with a concentration in professional and technical writing from Indiana University East. Her work has been featured on Reviews.com and Bankrate.com, and she’s passionate about helping people take charge of their finances. In her free time, she likes to read thrillers and sci-fi novels, garden, and toss tennis balls for her dog.
