McKayla Girardin, Car Insurance Writer
@mckayla_girardin
A classic car for insurance purposes is typically a car that is more than 10-15 years old, or one that has some sort of historical or collectible value. Each classic car insurance company has their own requirements for what qualifies as a classic car, as well as how a classic car can be used and stored.
Classic Car Insurance Requirements by Company
| Company | Accepted Vehicles | Usage Restrictions | Storage Requirements |
| Collector cars from 1979 and older. Some specialty vehicles may be eligible, such as exotics, track cars, or hot rods. | Can only be used for club functions and occasional pleasure driving. | Fully enclosed, locked structure (i.e. private garage or storage unit) recommended. | |
| Classics and antiques with collector value. Some specialty vehicles may be eligible, such as kit cars, replicas, or street rods. | Can only be used for club functions and occasional pleasure driving. | Fully enclosed, locked structure (i.e. private garage or storage unit) preferred. | |
| Classics or antiques at least 19 years old in a restored or original good condition without rust, damage, dents, poor paint, or heavy wear. Some specialty vehicles may be eligible, such as kit cars, antique farm tractors, or vintage motorcycles. | Can only be used for club functions and occasional pleasure driving. | Fully enclosed, locked structure (i.e. private garage or storage unit). | |
| Well maintained classic and antiques with collector value. Some specialty vehicles may be eligible, such as exotics, hot rods, or tributes. | Can only be used for club functions and occasional pleasure driving. | Secure and locked private garage. | |
| Classics and antiques in restored or good original condition without rust, dents, or damage. Some specialty vehicles may be eligible, such as hot rods, resto-mods, or pro-street cars. | Can only be used for club functions and occasional pleasure driving. | Fully enclosed, locked structure (i.e. private barn, storage unit, or car hauling trailer). | |
| Most types of vehicles over 25 years old. Some specialty vehicles with high performance modifications may be eligible. | Cannot be used for daily driving or commuting. | Secure and locked private garage . | |
| Classics 15 - 20 years old, and completely original antiques over 25 years old. Some specialty vehicles may be eligible, such as new exotics, modified street rods, or vehicles in the process of restoration. | Can only be used for club functions and occasional pleasure driving. | Secure and locked private garage. |
For more details, check out WalletHub’s guide to classic car insurance requirements.
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