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A 20-year-old car is not considered a classic for registration purposes in most states, but it might be eligible for classic car insurance. While most states require vehicles to be at least 25 or 30 years old to be registered as a classic car, some insurers allow you to get classic car insurance on newer vehicles.
How a 20-Year-Old Car Is Classified
| Organization | Considered a Classic? |
| Most State DMVs | No |
| Yes, if it has historic interest, such as a hot rod or muscle car | |
| No, but may be eligible for classic car insurance if it is an exotic or replica car | |
| Not disclosed; may be eligible for classic car insurance regardless of age | |
| Yes, depending on the make and model | |
| No, but may be eligible for collector car insurance if it is an exotic or replica car |
Age 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.
To learn more, check out WalletHub’s complete guide to classic car insurance.
People also ask
How old does a car have to be for classic 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 |
| Must be at least 10... |
How old is a classic car?
A vehicle that is between 20 and 45 years old typically qualifies as a classic car for registration purposes, while insurers often require the car to also have historical significance. The exact definition of a classic car can vary between state DMVs, insurance companies, and motor clubs.
For example, the Classic Car Club of America defines a “full classic” as a vehicle produced between 1915 and 1948. On the other hand, State Farm offers...
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