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The Best Classic Car Insurance Companies

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    Classic cars have some unique characteristics that require special insurance coverage. These vehicles are usually at least 25 to 30 years old, its value exceeds the original purchase price, it’s driven infrequently, and is kept in good condition. In most cases, a personal car insurance policy doesn’t offer adequate protection.

    To find the best classic car insurance, we reviewed the top providers based on affordability, customer support, coverage options, customer satisfaction scores, and online resources. The providers that made our list offer excellent policies, fair prices, and discount opportunities.

    Based on our evaluation, Safeco, Geico, State Farm, and The Hartford offer the best classic car insurance. Some of these providers also got highlighted in our list of best overall car insurance. Keep reading for our full review of each provider.

    The Top 4  Classic Car Insurance Providers

    • Safeco: Best regular use coverage
    • Geico: Best digital services
    • State Farm: Best for same company service
    • The Hartford: Best for AARP members

    Compare Classic Car Insurance Companies

    Average Price* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. 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. J.D. Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin Safeco$5763.8/5A811/1,000
    Pin Geico$4934.6/5A++843/1,000
    Pin State Farm$7304.6/5A++838/1,000
    Pin The Hartford$6153.8/5A+824/1,000

    Information accurate as of 11/25/2020 *Rates received from quotes for a policy with Rhode Island’s required coverage for a 40 year old male driving a 1965 Ford Mustang GT convertible valued at $45,000.

    Safeco Classic Cars Insurance

    Best for Regular Use Cover

    Why we chose it

    If you drive your classic car often or use it as your main vehicle, Safeco can provide the coverage you need at a good price.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $576 Average Premium Pricing data comes from our partners at Coverage.com.
    • 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.
    • 811* 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 can provide the coverage you need at a good price.

    Pros

    • Option for use up to 10,000 mile
    • Custom-built policies available
    • Coverage for multiple classic cars

    Cons

    • Strict list of qualifying cars
    • No spare parts or restoration coverage
    • Not available everywhere
    • Below-average customer satisfaction score
    Read More

    Types of Coverage Offered

    • Standard coverage
    • Personal injury protection
    • Agreed value
    • Regular use
    • Roadside assistance
    • Emergency assistance
    • Diminishing deductible
    • Personal property coverage
    • Pet coverage

    Discounts Available

    • Accident prevention course
    • Anti-theft device
    • Limited use
    • Winter storage
    • Bundle with standard car insurance
    • Home insurance bundle

    *J.D. Power 2020 Auto Insurance Customer Satisfaction Study, based on a 1,000-point scale. We calculated an average of combined regional scores.

    Further Reading on Safeco: 

    Geico (with American Modern or Assurant)

    Best Digital Services

    Why we chose it

    Geico has award-winning digital services, including an informative website, coverage calculators, and a highly-rated mobile app.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $439 Average Premium Pricing data comes from our partners at Coverage.com.
    • 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.
    • 843** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico has award-winning digital services, including an informative website, coverage calculators, and a highly-rated mobile app.

    Pros

    • Very affordable policies
    • Good discounts
    • Strong financial strength ratings
    • Above-average customer service

    Cons

    • Slightly below average claims handling satisfaction
    • Can’t get coverage for primary vehicle classic cars
    Read More

    Types of Coverage Offered

      • Standard coverage
      • Agreed value
      • Personal injury protection
      • Roadside assistance
      • Rental car reimbursement
      • Mechanical breakdown coverage

     

     

     

    Discounts Available

    • Don’t specified which discounts apply to classic cars

    *J.D. Power 2020 Auto Insurance Customer Satisfaction Study, based on a 1,000-point scale. We calculated an average of combined regional scores.

    Further Reading on Geico:

    State Farm

    Best for Same Company Service

    Why we chose it

    State Farm is one of the only classic car insurance companies that underwrites its own insurance policies.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $730 Average Premium Pricing data comes from our partners at Coverage.com.
    • 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.
    • 838** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm is one of the only classic car insurance companies that underwrites its own insurance policies.

    Pros

    • Writes it owns policies
    • Includes spare parts coverage
    • Excellent financial strength
    • 24/7 customer service

    Cons

    • No restoration
    • No extra mileage
    • Fewer discounts than other providers offer
    Read More

    Types of Coverage Offered

    • Agreed value
    • Standard coverage
    • Personal injury protection
    • Roadside assistance

    Discounts Available

    • Multi-car
    • Multi-policy
    • Anti-theft system

    *J.D. Power 2020 Auto Insurance Customer Satisfaction Study, based on a 1,000-point scale. We calculated an average of combined regional scores.

    Further Reading on State Farm: 

    The Hartford Classic Car Insurance

    Best for AARP Members

    Why we chose it

    AARP members can purchase reliable, comprehensive, and highly-rated classic car insurance from The Hartford.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $615 Average Premium Pricing data comes from our partners at Coverage.com.
    • 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.
    • 824* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    AARP members can purchase reliable, comprehensive, and highly-rated classic car insurance from The Hartford.

    Pros

    • AARP members get affordable rates
    • Allows for possible regular use
    • Good customer service

    Cons

    • Not available for all cars
    • Limited mileage
    • Less coverage than other providers
    Read More

    Types of Coverage Offered

    • Standard coverage
    • Agreed value
    • Roadside assistance w/ flatbed towing

    Discounts Available

    • Anti-theft system
    • Defensive driving course

    *J.D. Power 2020 Auto Insurance Customer Satisfaction Study, based on a 1,000-point scale. We calculated an average of combined regional scores.

    Further Reading on The Hartford: 

    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 day-to-day car.

    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, and is kept in good condition. There may also be rules around limited production or historical significance. Geico requires classic cars to be at least 25 years old in order to get coverage.

    Additionally, not every classic car qualifies for insurance coverage. Here are the types of classic cars that our top four providers will cover:

    Discounts and Savings For Classic Car Insurance

    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. Here are some of the best discounts for classic car insurance:

    • Anti-theft device
    • Policy bundling
    • Multi-vehicle
    • Defensive driving course
    • Proper storage

    In addition to these savings, drivers can get a lower car insurance rate by raising their deductible and improving their credit score. Before you purchase a policy, shop around and get a few quotes to see which company can give you the lowest rate.

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best classic car insurance, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    Classic Car Insurance FAQs

    About the Authors

    Elizabeth Rivelli

    Elizabeth Rivelli Contributing Writer

    Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.

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