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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 classic car insurance for vehicles that are at least 10 years old and of historic interest.
Classic Car Qualifications by Major Insurer
| Insurer | Classic Car Insurance Qualifications |
| Must be at least 10 years old and have historic interest | |
| Must be at least 20 years old and a rarity because of unique design (replicas of classic vehicles can also qualify) | |
| Must be at least 25 model years old (newer exotic, collector, and replica vehicles can also qualify) | |
| Must be registered as a classic car | |
| Vehicle must have collectible value | |
| Vehicle must be a 1979 model or older |
Even if you own a new car, you may still be able to get classic car insurance from certain companies, depending on the vehicle. For instance, Geico’s classic car coverage applies to new exotic vehicles, like Aston Martins and Ferraris. But other classic car insurers, like Hagerty, cover these vehicles under a separate type of collectors insurance policy.
To learn more, check out WalletHub’s guide to classic car insurance.
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