Candace Baker, Car Insurance Writer
@candacebaker
You can get classic car insurance in California by purchasing it from a traditional insurance company that offers classic coverage, like State Farm, or from a specialty insurer like Hagerty. You need to make sure that your car meets an insurer's eligibility requirements, including age specifications and storage rules. Additionally, most insurers only allow you to purchase classic car insurance if you keep your classic vehicle's annual mileage under a certain threshold.
Classic Car Insurance Requirements in California
Vehicle: A vehicle in California is considered a classic if it's at least 25 years old and is of historic interest. However, classic car insurance companies all have their own specific age requirements to determine what is considered a classic car. Some companies may consider a car a classic if it's 10 years old, while others will need the car to be at least 25 years old and have historical significance.
Storage: Classic cars generally need to be stored in a secure, enclosed structure, such as a garage or storage unit, though some companies may allow carports or driveways.
Usage: Classic car insurance restricts you from driving your classic car every day and limits the total number of miles that you can drive it in a year. In fact, most companies will require you to have another vehicle for daily commuting.
Driver: To get classic car insurance, most companies require you to have a clean driving record with no serious traffic violations or at-fault accidents for the past three years. Most companies also require you to be at least 25 years old.
Where to Get Classic Car Insurance in California
- State Farm
- Safeco
- Hagerty
- American Collectors
- American Modern
- Grundy
- Heacock Classic
- J.C. Taylor
- Condon Skelly
- Assurant
- GEICO (through Assurant or American Modern)
- Progressive (through Hagerty)
- Allstate (through Hagerty)
- USAA (through American Collectors)
- Nationwide (through Hagerty)
- The Hartford (through Hagerty)
- National General (through Hagerty)
Classic car insurance is specialty coverage for antique, exotic, and collector vehicles that are driven for pleasure rather than everyday use. This type of insurance is typically cheaper than standard car insurance, since classic cars are driven less than commuter vehicles. Classic car insurance also accounts for the fact that classic cars may appreciate in value over time, which is not the case for standard vehicles.
To learn more, check out WalletHub's guide to the best classic car insurance.
People also ask
How much does classic car insurance cost?
Classic car insurance costs less than regular car insurance because a classic spends less time on the road than a vehicle used for commuting or errands. The average classic car insurance policy costs between $400 and $1,000 per year.
Like with any auto insurance policy, each driver’s classic car insurance premium will vary based on individual risk factors such as location, driving history, the driver’s age, and the vehicle’s value. Classic car insurance usually...
read full answer by WalletHub, Financial CompanyHow much is car insurance in California per month?
Car insurance in California costs $60 per month or $717 per year for minimum coverage, on average. The cheapest car insurance companies in California are GEICO, USAA, and Wawanesa, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in California is 7% higher than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in California, including...
read full answer by Candace Baker, Car Insurance WriterHow much car insurance do I need in California?
California law requires you to have $15,000 in coverage for one person’s bodily injury or death, up to $30,000 total per accident. California also requires you to carry at least $5,000 in coverage for other people’s property damage when you are at fault.
How Much Car Insurance Drivers Need in California
| Coverage Type | Minimum Coverage Limit |
| Bodily Injury Liability Coverage (per person) | $15,000 |
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