How old does a car have to be for classic insurance? This question is about Best Classic Car Insurance

A car has to be at least 10 to 20 years old to qualify for classic insurance, though exact requirements vary by insurer. In some cases, insurers offer classic car insurance to newer vehicles if they have some amount of collectable value. Age Requirements for Classic Car Insurance by Company Insurer Classic Car Insurance Qualifications State Farm Must be at least 10 years old and have historic interest American Family Must be at least 20 years old and a rarity because of unique design (replicas of classic vehicles can also qualify) Geico Must be at least 25 model years old (newer exotic, collector, and replica vehicles can also qualify) Progressive Must be registered as a classic car Allstate Vehicle must have collectible value Hagerty Vehicle must be a 1979 model or older It’s important to note that age is not the only factor that qualifies a car for classic coverage. For example, State Farm offers classic car insurance to vehicles as young as 10 years old, but the car must be of historic interest, which typically means that it is owned for the main purpose of exhibition and historic vehicle club activities. Additionally, it’s very common for insurers to place strict mileage caps on a classic vehicle, meaning that it can’t be used for everyday driving. To learn more, check out WalletHub’s guide to classic car insurance.

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How old does a car have to be for classic insurance?

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@WalletHub • 12/19/22 This answer was first published on 07/02/21 and it was last updated on 12/19/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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A car has to be at least 10 to 20 years old to qualify for classic insurance, though exact requirements vary by insurer. In some cases, insurers offer classic car insurance to newer vehicles if they have some amount of collectable value.

Age Requirements for Classic Car Insurance by Company

Insurer	Classic Car Insurance Qualifications
State Farm	Must be at least 10 years old and have historic interest
American Family	Must be at least 20 years old and a rarity because of unique design (replicas of classic vehicles can also qualify)
Geico	Must be at least 25 model years old (newer exotic, collector, and replica vehicles can also qualify)
Progressive	Must be registered as a classic car
Allstate	Vehicle must have collectible value
Hagerty	Vehicle must be a 1979 model or older

It’s important to note that age is not the only factor that qualifies a car for classic coverage. For example, State Farm offers classic car insurance to vehicles as young as 10 years old, but the car must be of historic interest, which typically means that it is owned for the main purpose of exhibition and historic vehicle club activities. Additionally, it’s very common for insurers to place strict mileage caps on a classic vehicle, meaning that it can’t be used for everyday driving.

To learn more, check out WalletHub’s guide to classic car insurance.

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What is classic car insurance?

Classic car insurance is a type of specialty insurance for vehicles that are at least 10 years old and have some sort of historical significance. Classic car insurance can be used to cover antique, exotic, and super-performance vehicles that are generally used for exhibition purposes, rather than commuting.

Almost all of the largest insurance companies offer classic car insurance, either directly themselves or through a partnership with a specialty insurer such as ... read full answer American Collectors or Hagerty. Exactly what qualifies as a classic car varies by insurance company.

Classic Car Insurance Qualifications by Company

Insurer	Requirements
State Farm	Must be at least 10 years old and have historic interest
American Family	Must be at least 20 years old and a rarity because of unique design (replicas of classic vehicles can also qualify)
Geico	Must be at least 25 model years old (newer exotic, collector, and replica vehicles can also qualify)
Progressive	Must be registered as a classic car
Allstate	Vehicle must have collectible value
Hagerty	Vehicle must be a 1979 model or older

How Classic Car Insurance Is Different From Normal Car Insurance

Classic car insurance is cheaper than normal insurance since classic cars are driven less than normal vehicles.

Some classic car insurers require customers to store their classic vehicles in enclosed and locked structures when not in use.

Classic car insurance premiums are partially based on an agreed-upon value for the vehicle rather than the actual cash value.

Classic car insurance policies usually include restrictions on how and when the vehicle can be driven – mainly for car shows or pleasure driving, rather than commuting or running errands.

Only antique, exotic, and super-performance cars are eligible for classic car insurance policies.

Policyholders may be required to prove they have a regular-use vehicle for daily driving in order to qualify for classic car insurance.

Classic car insurance companies usually offer spare-parts-and-tools coverage and assistance with sourcing replacement parts.

To learn more, check out WalletHub’s guide to classic car insurance.

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Is a 20-year-old car a classic?

A 20-year-old car is not considered a classic in most states. Most states require vehicles to be at least 25 or 30 years old in order to be registered as a classic car, and Pennsylvania is the only one of the 10 largest states that considers 20-year-old cars to be “classic” for registration purposes.... read full answer

Even if you can’t register your 20-year-old car as a classic, you may still be able to get classic car insurance for it. Eligibility for classic car insurance varies by company, but most insurers cover cars that are less than 25 years old as long as they are considered to be exotic, a modern classic, or a collector vehicle. It’s also important to note that insurers and state DMVs generally have eligibility requirements besides the car’s age, like requiring the car to be in good condition.

How a 20-Year-Old Car Is Classified

Organization	Considered a Classic?
Most State DMVs	No
State Farm Insurance	Yes, if it has historic interest, such as a hot rod or muscle car
Geico Insurance	No, but may be eligible for classic car insurance if it is an exotic or replica car
Heacock Classic Insurance	Not disclosed; may be eligible for classic car insurance regardless of age
Safeco Insurance	Yes, depending on the make and model
Hagerty Insurance	No, but may be eligible for collector car insurance if it is an exotic or replica car

To learn more, check out WalletHub’s complete guide to classic car insurance.

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What year is a car considered a classic in California?

A car is considered a classic in California if it's at least 25 years old, was manufactured after 1922, and is of historic interest. When a vehicle in California meets these requirements, the owner can register it as a historic vehicle, which will allow the car to use special license plates.... read full answer

Classic Car Qualifications in California

At least 25 years old

Manufactured after 1922

Of historic interest, meaning it’s owned and used principally for exhibition and historic vehicle club activities

Keep in mind that even if your vehicle is registered as a classic car in California, it might not qualify for classic car insurance from certain companies. Each classic car insurer has its own eligibility requirements, so your car will need to meet those standards in order to qualify.

To learn more, check out WalletHub’s guide to the best classic car insurance companies.

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