HomepageInsuranceCarThe Best Classic Car Insurance Companies of 2022

The Best Classic Car Insurance Companies of 2022

Reviews.com reviews products and services to help you make well-informed choices. Although, our writers and editors follow a strict methodology for presenting information, our posts may reference products from our partners. For more information, learn how we make money. This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our
Insurance Disclosure This content is powered powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Reviews.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, 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.
Advertising Disclosure This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Reviews. The offers and clickable links that appear on this advertisement are from companies that compensate Homeinsurance.com LLC in different ways. The compensation received and other factors, such as your location, may impact what ads and links appear, and how, where, and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available to you as a consumer. We strive to keep our information accurate and up-to-date, but some information may not be current. Your actual offer terms from an advertiser may be different than the offer terms on this widget. All offers may be subject to additional terms and conditions of the advertiser.

Save money on auto coverage with our simple comparison tool.

Please enter a valid zip code

Powered by HomeInsurance.com (NPN: 8781838)
Insurance Disclosure This content is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Reviews.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, 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.

    Advertiser Disclosure

    Close icon.

    We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

    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:

    Compare Classic Car Insurance Companies

    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.
    Pin SafecoA871/1,000
    Pin GeicoA++881/1,000
    Pin State FarmA++892/1,000
    Pin The HartfordA+905/1,000

    *J.D. Power’s 2021 U.S. Auto Claims Satisfaction study. Based on a 1,000-point scale.

    Safeco Classic Cars Insurance

    Best for Regular Use Coverage

    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.
    • 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

    Read More

    OTHER POLICIES OFFERED

    • Motorcycle
    • Boat
    • RV
    • Home
    Geico

    Geico Best for Digital Services

    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.
    • 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
    • Higher-than-average overall NAIC complaint index
    • No standard use coverage available
    Read More

    OTHER POLICIES OFFERED

    • Auto
    • Home
    • Renters
    • Life
    The Hartford Classic Car Insurance

    Best for Specialized Coverage

    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.
    • 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:

    Safeco

    • Classic cars
    • Modified collector cars
    • Reproductions
    • Replicas
    • Restorations
    • Modern classic cars
    • Antique cars

    Geico

    • Classic cars
    • Antique cars
    • Exotic cars
    • Replicas
    • Classic military vehicles
    • Classic hearses
    • Classic fire trucks

    State Farm

    • Classic cars
    • Antique cars

    The Hartford

    • Classic cars
    • Antique cars
    • Classic trucks
    • Antique tractors
    • Classic military vehicles
    • Exotic cars
    • Supercars
    • Modified cars
    • Limited edition cars

    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, 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.

    Classic Car Insurance FAQs

    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.

    About the Authors

    Cate Deventer

    Cate Deventer Insurance Editor

    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.

    Table Of Contents