Classic, antique, and collector vehicle coverage
Classic car insurance for collector and antique vehicles
Your classic car is not a daily driver, and your insurance should not treat it like one. Kaufman Insurance Group compares collector car coverage from multiple companies to help you protect the car you have restored, preserved, or waited years to own.
- Options for agreed value coverage
- Built for cars that are driven for pleasure, not commuting
- Coverage for antiques, muscle cars, and modern collectibles
Personal & Commercial · Quick Quotes – Good Rates · Great Companies
As an independent agency, we compare classic and collector car insurance from the companies we work with. The companies that can quote you depend on what you want to insure, where you live, and each company’s own rules.
These logos show some of the insurance companies Kaufman Insurance Group may be able to quote as an independent agency. Showing a logo does not mean the company endorses us. Which companies can offer you coverage depends on the type of insurance, where you live, and each company’s own rules.
The basics
What classic car insurance is
Classic car insurance, also called collector car insurance, is a policy made for vehicles that are kept for enjoyment rather than everyday transportation. It is designed for cars that are well maintained, stored securely, and driven to shows, club events, and weekend drives.
The biggest difference from a regular auto policy is how the car is valued. A standard auto policy usually pays the actual cash value after a total loss, which means the car’s market value minus depreciation, or wear and tear over time. For a collectible car, that may be far less than what the car is really worth to a buyer.
Many collector policies offer agreed value coverage instead. You and the insurance company agree on the car’s value when the policy starts, and if the car is totaled in a covered loss, that agreed amount is what the policy pays, minus any deductible. Terms vary by company, so we will explain exactly how each option works.
Agreed value
You and the company set the car’s value up front, so there is less guesswork after a total loss.
Actual cash value
The company pays what the car is worth at the time of loss, after depreciation. This is common on standard auto policies.
Know what you are choosing
What a collector car policy typically includes
Coverage details vary by company. These are the features collectors most often ask us about.
Agreed value coverage
Sets your car’s value in advance, which can be updated as the car’s value changes or as you restore it.
Liability
Helps pay if you injure someone or damage their property while driving your classic, just like a regular auto policy.
Physical damage
Helps repair your car after a crash, or after theft, fire, vandalism, or storm damage.
Spare parts coverage
Some policies help replace spare parts you keep for your car, such as extra wheels or trim.
Flexible use rules
Policies are built around pleasure driving, shows, and club events, with rules on how the car may be used.
Specialty roadside help
Some companies offer flatbed towing and roadside help suited to older vehicles.
Is it right for you
Who classic car insurance is for
Collector car policies usually have eligibility rules. Common ones include having a separate everyday vehicle, keeping the classic in a locked garage or storage unit, and limiting how it is used. Each company sets its own rules.
Antique and vintage owners
Older cars and trucks that are preserved or restored and driven only occasionally.
Muscle car and hot rod owners
Performance cars and custom builds where value depends on originality or the quality of the work.
Owners of modern collectibles
Newer limited production or exotic cars kept as collectibles rather than daily drivers.
Restoration projects
Cars that are being restored. Some companies offer options while the car is under restoration.
Not sure if your car qualifies for a collector policy? An agent can check your options.
How Kaufman helps
How we help you insure your classic
We are an independent agency, so we can compare collector car options from multiple companies and explain the differences in plain language.
Tell us about your car
Share the year, make, model, condition, estimated value, storage, and how often you drive it.
We compare companies
An agent reviews collector car coverage from the companies we work with, including how each one values the car.
Choose your coverage
Pick your coverage and value. We can also review your daily driver and umbrella policies so everything works together.
We focus on Ohio and North Carolina, and we can also help collectors in most other states. Photos, appraisals, and receipts for restoration work can help support the value you choose, so keep them handy.
Common questions
Classic car insurance questions
What makes a car eligible for classic car insurance?
Each company sets its own rules. Common requirements include that the car is kept for pleasure use, stored in a secure garage or unit, in good condition, and that you have another vehicle for daily driving.
What is agreed value coverage?
Agreed value means you and the insurance company agree on your car’s value when the policy begins. If the car is totaled in a covered loss, the policy pays that agreed amount, minus any deductible, according to the policy terms.
Can I drive my classic car to work?
Most collector policies do not allow regular commuting. They are built for shows, club events, and pleasure drives. If you drive the car often, a standard auto policy may be the better fit.
Do I need an appraisal?
Some companies ask for an appraisal or photos, especially for higher value cars. Receipts for restoration work can also help support the value.
Can I insure a car that is being restored?
Some companies offer coverage for cars under restoration. Tell us about the project and we will check the options available.
Related coverage
Coverage that pairs well with classic car insurance
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Explore personal lines insuranceReady to protect your classic?
Start a classic car insurance quote online, or contact us with questions. An agent will help you compare your options.
Prefer to talk? Call (330) 486-8404.