Classic Car Insurance Quotes In USA


Classic car insurance is a type of insurance for people who own antique automobiles. Because older automobiles are more expensive to fix, it’s a good idea to acquire classic car insurance to ensure that you won’t be stuck with a large repair bill if you have an accident. 

Classic automobile insurance is sometimes referred to as “period” or “vintage” car insurance. 

Reading this article will help you to know more about top car insurance companies providing you with classic car insurance quotes in different states of the USA.

What are the Benefits of Classic Car Insurance? 

– Classic car insurance is available for vehicles that are only a few years old. Unlike traditional auto insurance, which often won’t cover you if your vehicle is less than three years old. 

-Classic vehicle insurance is available as long as the vehicle has been properly repaired and fulfills basic safety requirements. 

– Because the insurance firm is likely to have a smaller pool of historic automobiles to manage, prices may be lower than for normal car insurance. 

– If you have more than one vehicle and would like them all to be covered by a single policy, then a classic car insurance policy will usually let you do this. This is because each vehicle will have its own set of unique details, but this info can then be added to the same policy. 

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What Are Classic Car Insurance Requirements in USA? 

You will need to meet a few requirements for your car to qualify as a classic. These include: 

Age of Vehicle: Your vehicle must be at least 20 years old. This means that the car is old enough to be considered a classic but young enough so that it is still in good condition and may not have had much use at all. 

Safety Factors: Your vehicle must have adequate safety features for modern-day road conditions. This means that it must have working brakes, tires, and steering equipment, as well as lights if required. It also needs to meet any other regulations for safety imposed by your state.  

Subsequent Market Value: Your vehicle must have a market value higher than the minimum figure of $3,000. The insurance company will determine this once they inspect your car. This can be done at any time between when you first take out the policy and 24 months after it begins. 

Type of Vehicle: 

Your vehicle must be a car, truck, or motorcycle. If it is an antique fire engine, this will not qualify for classic car insurance. On the other hand, if you own a classic auto and need classic car insurance cover for it, that will work out fine. 

Hence, a car considered as a classic depends. For some, this is up to 30 years old, while others may consider a car a classic once it is 20 years old or more. 

What Factors Determines the Cost of Classic Car Insurance? 

The cost of your classic car insurance policy can vary depending on several factors: 

-The make and model of your vehicle are likely to affect your premium because specific models are more expensive to repair. 

The car’s age will also affect premiums since older cars are less likely to be worth repairing after an accident. 

-Your area may also influence the cost of insurance premiums if it has a higher crime rate, for example. 

-The value of your car will also affect the cost of premiums, as will any modifications or customization you have made to it. 

Classic Car Insurance Costs 

Insurance companies will vary in how much they charge for classic car insurance policies. To give you an idea, we have compared a few different types and amounts of coverage and the approximate premiums you might expect: 

$35,000 worth of Classic Car Insurance  Coverage: 

Premiums for classic car insurance tend to be between $400 and $600 annually, depending on the insurer and your location. 

90 Day Classic Car Insurance Policy: 

You can also get a 30-day classic car insurance policy if you only need short-term coverage, which will lower premiums to between $200 and $300 per month. 

Expensive Classic Vehicle Insurance Policy: 

Premiums for a top-of-the-line classic car insurance policy will likely be between $800 and $1,000 per month. 

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Is Classic Car Insurance Expensive in USA? 

The cost of classic car insurance premiums can vary between different types of policies and insurance companies. We have provided a few examples above to get an idea about what you might expect to pay, but you should always do your research. 

Companies That Offer Best Classic Car Insurance in USA

Many insurance companies offer classic car insurance, and they will all have different policies. The companies that offer the best classic car insurance in almost every state of the USA as per Valuepenguin are:

State farm classic car insurance 

State Farm has been offering classic car insurance for years, and it is a reliable insurer that offers good value policies. The cost of classic car insurance in state farms is $9.70 per month, and there is a $250 deductible for comprehensive claims. 

Nationwide classic car insurance 

Another well-known carrier is Nationwide, which also offers classic car insurance. It too provides good value policies to suit your needs. The cost of classic car insurance Nationwide is $9.95 per month, with a $500 deductible on comprehensive claims. 

USAA classic vehicle insurance 

USAA is another good option if you are looking for classic car insurance. The cost of classic car insurance in USAA is $11.79, and there is a $500 deductible for comprehensive claims. 


If you are looking for reliable classic car insurance in Riverview, it is important to take your time when picking out a company. You should read through the policy to know exactly what you are getting and always do your research to see if better deals are available for you. To guide you in the process, we are here to help you find a company that is right for you. 

Remember, before buying a car, look at your budget and see how much insurance coverage you can afford. That will help guide your decision-making going forward. 




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

When a car is old enough to qualify for classic car insurance, it reaches 25 years or older. 

Is a classic car cheaper to insure? 

Yes, classic car insurance rates are generally lower than regular car insurance. It’s because companies assume the amount of use on a classic car will be less, and they do not have the risk that they will have to pay out claims on them. 

What is the best way to insure a classic car? 

The best way to insure a classic car is by contacting your insurance agent. They will help you determine the value of your vehicle and give you a quote based on it. 

How much should classic car insurance cost? 

Classic car insurance costs can vary depending on the make and model of your vehicle. The price is generally going to be based on what your car is worth, as well as the distance it’s driven on a regular basis. 

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top car insurance companies

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