How Does Classic Car Insurance Work?

Classic car insurance provides value coverage on your limited-use vintage or collector vehicle.

What is Classic Car Insurance?

Classic car insurance policies are designed to cover more than just the daily driving risks for vintage, antique, and collector cars. Unlike standard auto insurance, classic car insurance protects your infrequently used and properly stored vehicle with an up-front agreed upon value.

What Does Classic Car Insurance Cover?

  • Liability: Bodily injury and property damage to others.
  • Comprehensive and collision: Damage from accidents, theft, fire, and vandalism.
  • Specialized add-ons: Spare parts, restoration coverage, roadside assistance, and inflation guard.

Do I Qualify for Classic Car Insurance?

Vehicles eligible for classic car insurance are typically 20-25 years old and in good condition with limited modifications.

Drivers must have a clean driving record with access to a regular-use vehicle. Usage requirements for a covered classic car are limited to pleasure driving, shows, and parades—daily use is usually prohibited.

Is Classic Car Insurance the Right Fit for Me?

Classic car insurance is more than protection—it’s peace of mind for collectors.

Classic car insurance is usually cheaper than regular auto insurance due to limited use and secure storage. Protect your passion and reach out for a quote today.

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The information and descriptions on this site are general in nature. The coverage afforded for a particular loss depends on the specific facts and the terms, exclusions, and limits of the actual policy. Nothing on this site alters the terms or conditions of any policy, as the policy controls coverage. Coverage options, limits, discounts, deductibles, and other features are subject to underwriting criteria, state availability, and effective dates. Coverage provided and underwritten by NJM Insurance Company and its subsidiaries, 301 Sullivan Way, W. Trenton, NJ 08628.