Best Classic Car Insurance Without a Garage in 2025 (Top 10 Companies Ranked)
Hagerty, State Farm, and Liberty Mutual have the best classic car insurance without a garage. Hagerty specializes in antique car insurance with agreed-value policies, and State Farm is affordable at $47 a month. Bundle your classic policy with your personal car for 25% multi-vehicle discounts from Liberty Mutual.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Jul 3, 2025
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 3, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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3,792 reviewsHagerty, State Farm, and Liberty Mutual have the best classic car insurance without a garage requirement, but you may pay higher rates.
Our Top 10 Company Picks: Best Classic Car Insurance Without a Garage
| Company | Rank | Multi-Car Discount | Low-Mileage Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | 25% | Specialized Coverage | Hagerty |
 | #2 | 20% | 30% | Cheap Rates | State Farm |
 | #3 | 25% | 30% | Custom Options | Liberty Mutual |
 | #4 | 8% | 20% | Commercial Policies | Travelers |
 | #5 | 20% | 20% | Restoration Coverage | Nationwide |
 | #6 | 12% | 30% | Budget Shoppers | Progressive |
 | #7 | 12% | 15% | High-Value Vehicles | Chubb |
 | #8 | 20% | 20% | Personal Service | Farmers |
 | #9 | 25% | 30% | Claims Handling | Allstate |
 | #10 | 15% | 20% | Roadside Assistance | Safeco |
If you’re looking for classic car insurance, no garage could mean no coverage. Classic car auto insurance differs from standard policies and has specific requirements. The truth is, most insurance companies will require you to safely store your vintage car somehow.
Fortunately, Hagerty specializes in collector and vintage car insurance for all types of drivers. State Farm is one of the cheapest classic car insurance companies at $47 per month, and Liberty Mutual offers customized policies for car shows and towing.
- Many insurance companies require that a classic vehicle be stored or covered
- Hagerty and State Farm don’t require a garage for coverage
- Investing in agreed value plans can help drivers protect their investment
Use this guide to read classic car insurance reviews of the ten best companies for coverage without a garage. You can find cheap classic car insurance quotes by entering your ZIP code in our free comparison tool.
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Affordable Classic Car Insurance Without a Garage Requirement
Is collector car insurance cheaper? Typically, yes. If you’re looking for cheap insurance, classic cars often come with lower rates simply because they’re not driven as often.
Who provides classic car insurance? Most traditional car insurance companies, such as State Farm and Liberty Mutual, provide modified policies for classic car owners. The classic car insurance comparison below shows the cheapest providers.
Classic Car Insurance Monthly Rates Without a Garage by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $87 | $228 |
| $82 | $215 |
| $76 | $198 |
| $65 | $187 |
| $96 | $248 |
| $63 | $164 |
| $56 | $150 |
| $38 | $101 |
| $47 | $123 |
| $53 | $141 |
If you need to insure a classic car, State Farm is one of the cheapest at $47 per month, along with Safeco at $38 monthly and Travelers at $53 a month.
You may also be wondering if you can get full coverage on a classic vehicle. You can, and we recommend that you do. But policy costs depend heavily on where you live. Review estimates of classic car insurance rates by state to see what you could pay (Read More: Best Classic Car Insurance Companies).
In addition to traditional auto insurance providers, there are specialty companies as well. Hagerty and Chubb are more expensive, but they specialize in antique autos and high-value vehicles, offering higher policy limits and more flexible add-ons. If you decide to get insurance through a company that specializes in classic car coverage, you can rest assured that they understand the unique insurance needs of these vehicles.
How to Save Money on Classic Car Insurance
You can get cheap antique auto insurance rates with these discounts from the top ten companies. Liberty Mutual offers the biggest discount for anti-theft devices — up to 35%. Installing these devices is a great way to protect your classic car if you aren’t garaging it while saving money on car insurance.
Top Auto Insurance Discounts for Classic Cars
| Company | Anti- Theft | Bundling | Loyalty | Multi- Vehicle | Pay- in-Full |
|---|---|---|---|---|---|
| 10% | 25% | 15% | 25% | 10% |
| 10% | 25% | 10% | 12% | 10% |
| 10% | 20% | 12% | 20% | 10% |
| 10% | 10% | 10% | 10% | 10% |
| 35% | 25% | 10% | 25% | 12% |
| 5% | 20% | 8% | 20% | 15% |
| 25% | 10% | 13% | 12% | 15% |
| 20% | 15% | 12% | 20% | 15% |
| 15% | 17% | 6% | 20% | 15% |
| 15% | 13% | 9% | 8% | 15% |
Classic car owners often bundle their policies with home or other vehicles for multi-policy discounts, or insure multiple classic cars under the same collector policy, with Liberty Mutual offering the biggest discounts of 25%. Check out the video for more perks from Liberty Mutual Insurance that can help lower classic car insurance rates.
Joining a classic car club can sometimes qualify you for exclusive discounts through specialty insurers, and maintaining a clean driving record is another key factor, since classic car insurance companies still consider your personal risk profile when setting rates. Raising your deductible slightly can lower your premium, as long as you’re comfortable paying more out of pocket in the event of a claim.
You may also want to research auto insurance for parked cars. It can be a great option if your vehicle will not be moved at all. It can help you save money on your classic car coverage, and you can use this option even if you only plan to park the car over the winter.
Understanding Classic Car Insurance Storage Requirements
Finding good auto insurance companies for classic cars can have several difficulties. One of the most common is the garaging requirement. Classic cars have a higher value and an increased theft risk, so insurers prefer the added protection of proper storage.
Garaged vehicles often lead to lower premiums, but the problem with such a policy is that providing a garage for your vehicle is yet another expense you must shoulder. This can become even more challenging if you don’t have enough space on your property. You may then be required to rent space elsewhere and will need insurance to cover it.
If a garage or secured storage facility isn’t available, covered storage options like carports or weatherproof covers can offer similar protection and may help reduce insurance costs (Learn More: Best Garaging & Storage Auto Insurance Discounts).
If you did not get into classic car ownership intentionally, you may not realize you need proper coverage. Some people inherit classic cars, or just happen to find a great deal and snatch it up. Either way, it is important for you to understand that classic cars do require special coverage.
Agreed-Value Policy Requirements For Classic Cars
The biggest difference between traditional insurance and classic car coverage is that traditional policies assume that a car’s value will depreciate over time. A standard value for a vehicle is set by a recognized organization, such as the National Automobile Dealers Association (NADA).
However, this does not apply to classic cars, as they, in fact, appreciate in value over time with proper work and maintenance. How is the value of a classic car determined for insurance purposes? The value of your classic car for insurance purposes can be determined through various methods, including agreed value and actual cash value (ACV).
Agreed value coverage sets a pre-determined value for your vehicle, which is agreed upon by you and the insurance company. You can then agree to pay rates for this coverage to ensure that you get a fair replacement that will take into consideration your investment and the cost of replacing or repairing the car.
ACV coverage typically takes into account factors such as the car’s age, condition, market value, and any modifications. For this reason, many insurance companies have policies in place requiring proof that the vehicle is stored in a garage before they provide coverage. In these cases, you may want to work with your insurance company to come to an agreed value.
Read More: Best Auto Insurance Companies That Offer Agreed Value
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How Classic Cars Are Categorized For Auto Insurance
Before you research and choose the right company, make sure that your car qualifies for classic car insurance. A good auto insurance company for classic cars looks for the following:
- The vehicle is 20-30 years old.
- The vehicle has historical or cultural significance.
- You drive it less than 6,000 miles per year.
Make sure you understand these requirements so you can get the best value for your policy rates, even if you are not garaging your vehicle. You may want to discuss the insurance company’s valuation process in-depth to ensure you understand how they define terms like ‘classic’ and ‘antique’ when valuing your car.
The value of classic vehicles is different from everyday cars. Policies have more requirements to cover the increased value of a classic car.Michelle Robbins Licensed Insurance Agent
Classic cars also need to be properly registered before they can be insured. Talk with your local DMV to find out how to get your classic vehicle properly registered. You can learn more through forums and events and by talking with other classic car enthusiasts.
Learn More: Does my car qualify for classic auto insurance?
Top 10 Best Classic Car Insurance Companies
Hagerty, State Farm, and Liberty Mutual have the best collector car insurance with no garage. State Farm and Safeco have cheap car insurance for classic cars (Read More: State Farm Auto Insurance Review). Hagerty and Liberty Mutual offer more specialized coverage for car shows and flexible use. Scroll down to find the best company for you.
#1 – Hagerty: Top Overall Pick
Pros
- Specialization in Classic Cars: Hagerty focuses on non-standard policies, including exotic and classic car insurance.
- Agreed Value Coverage: It provides agreed value coverage, ensuring you receive the full value of your classic auto and any repairs or upgrades in case of a total loss.
- Flexible Usage: Policies often have flexible usage options, accommodating occasional pleasure driving and car show participation. Learn more in our Hagerty auto insurance review.
Cons
- No Standard Auto Policies: Hagerty specializes in unique coverage for classic, collector, military, and modified vehicles, motorcycles, and boats, but doesn’t offer standard auto insurance.
- Strict Mileage Requirements: Hagerty only covers classic cars driven less than 4,000 miles per year.
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#2 – State Farm: Best for Cheap Rates
Pros
- Affordable Rates: State Farm classic car insurance without a garage is the cheapest in most states, starting at $47 a month.
- Strong Financial Stability: A.M. Best recently upgraded State Farm’s financial rating to A++.
- Wide Range of Insurance Products: State Farm offers a suite of policies for competitive bundling discounts on classic car insurance. See a list of State Farm auto insurance discounts.
Cons
- State Availability Varies: Discount amounts and availability vary by city and state, and drivers in RI, MA, FL, and CA can’t buy new policies.
- Limited Classic Car Specific Coverage: Although it offers coverage for classic cars, it may not be as specialized or flexible as Hagerty or other specialized insurers.
#3 – Liberty Mutual: Best for Custom Options
Pros
- Customizable Policies: Liberty Mutual offers customizable policies, allowing you to tailor coverage for car shows, towing, or garageless insurance.
- Multi-Vehicle Discounts: Insure more than one vehicle with Liberty Mutual for up to 25% off classic car insurance rates without a garage.
- Digital Tools: Read our Liberty Mutual auto insurance review for a full breakdown of its user-friendly digital tools for managing classic car insurance policies and claims.
Cons
- Mixed Customer Service Reviews: Some customers report mixed experiences with Liberty Mutual’s customer service.
- Average Financial Strength: While Liberty Mutual is financially stable, it may not have the highest financial strength ratings compared to other large insurers.
#4 – Travelers: Best for Commercial Policies
Pros
- Business-Use Coverage: Travelers specializes in commercial auto insurance for classic cars and exotic vehicles.
- Strong Financial Stability: Travelers has a solid financial rating of A++, ensuring stability and reliability. See full ratings in our Travelers auto insurance review.
- Competitive Rates: Travelers provides competitive rates on classic car insurance with no garage, starting at $53 monthly.
Cons
- No Personal Use: Travelers does not sell classic car insurance for personal vehicles, only for businesses.
- Mixed Customer Service Reviews: Some customers have reported mixed experiences with Travelers’ customer service.
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#5 – Nationwide: Best for Restoration Coverage
Pros
- Restoration Coverage: Nationwide works with Hagerty to provide policy limits that increase by 10% each quarter while you restore your car.
- Tool Coverage: Nationwide will cover your auto tools while you work on a project or kit car, or are restoring a classic vehicle.
- Variety of Coverage Options: Nationwide provides a wide range of coverage options. Explore all of its policies in our Nationwide auto insurance review.
Cons
- Higher Premiums: Nationwide’s premiums can be on the higher side compared to some competitors.
- Outside Underwriting: Since Hagerty underwrites Nationwide classic car insurance, drivers may see different rates based on age, gender, and driving history.
#6 – Progressive: Best for Budget Shoppers
Pros
- Name Your Price Tool: Progressive’s unique online “Name Your Price” tool allows drivers to pick and choose classic car insurance based on their budget.
- Low Monthly Rates: Progressive classic car insurance is one of the most affordable on this list at $56 per month.
- Strong Discounts: Progressive auto insurance discounts reward safe drivers and those who bundle policies with lower classic car insurance rates.
Cons
- Customer Service Concerns: Some customers have reported issues with Progressive’s customer service.
- Rate Increases: Progressive may increase classic car insurance rates at policy renewal even without any changes in claims or driving history.
#7 – Chubb: Best for High-Value Vehicles
Pros
- High-Value Coverage: Chubb is the best classic and collector car insurance company for high-value vehicles, including antique luxury autos.
- Exceptional Customer Service: Chubb is known for their excellent customer service and claims handling, with fewer complaints logged with the NAIC.
- No Mileage Limits: Chubb does not limit pleasure driving on classic car insurance without a garage.
Cons
- Higher Premiums: Chubb is one of the most expensive classic insurance companies due to its high-value coverage.
- Limited State Availability: Chubb may have limited availability in certain regions. Learn more in our Chubb auto insurance review.
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#8 – Farmers: Best for Personal Service
Pros
- Personalized Service: Local Farmers agents provide personalized service for classic car insurance in all 50 states.
- Car Show Coverage: Farmers policies cover your antique auto if you tow it to shows and while you leave it unattended at events.
- Low-Mileage Perks: Drivers with classic autos who drive less than 7,500 miles can save 20% on average.
Cons
- Mixed Customer Reviews: Farmers has received mixed reviews regarding customer service experiences. Read more in our Farmers auto insurance review.
- Outside Underwriting: Since Hagerty underwrites Farmers classic car insurance, drivers may see different rates than they do with their primary provider.
#9 – Allstate: Best for Classic Auto Claims
Pros
- Flexible Repair Requirements: Classic auto policyholders with Allstate can choose any repair shop when filing claims on their antique car.
- Digital Tools: Allstate provides user-friendly digital tools for managing policies and filing classic car insurance claims.
- Competitive Discounts: Allstate offers some of the highest classic car insurance discounts for multiple vehicles and low mileage.
Cons
- Higher Premiums: Allstate’s premiums can be higher compared to some other insurers. Compare more quotes in our Allstate auto insurance review.
- Mixed Customer Service Reviews: Some customers have reported issues with Allstate’s customer service.
#10 – Safeco: Best for Roadside Assistance
Pros
- Roadside and Emergency Coverage: Safeco roadside assistance includes coverage for hotel lodgings, personal items in the vehicle, and spare parts left in your car.
- Competitive Rates: Safeco is one of the most affordable companies for classic car insurance without a garage at $38 a month. Learn more in our Safeco auto insurance review.
- Online Services: Safeco offers convenient online services for managing policies and making payments.
Cons
- Customer Service Concerns: Some customers have reported challenges with Safeco’s customer service.
- Limited Availability: Safeco may not be available in all states or regions, which could limit coverage options.
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Buying Classic Car Insurance Without a Storage Requirement
If you happen to own a classic vehicle that has not been fully restored yet, then you may be hesitant to fork over the extra money for proper garage space. The most affordable solution is to find cheap antique car insurance that doesn’t require a garage. Hagerty, State Farm, and Liberty Mutual have the best classic car insurance without a garage (Read More: Can I park my car on the road with no insurance?).
Finding classic car insurance with no garage requirement is not impossible, but very difficult. The easiest way to find an insurance policy without proof of a garage is to discuss the realistic value of the vehicle openly with your provider. You can avoid the extra expense of storing your vehicle in a garage by using an agreed-value insurance plan. Exceptions can be made when the vehicle has been properly valued.
Classic car owners can find affordable insurance without a garage by openly discussing the realistic value of their vehicle with their insurance company.Jeffrey Manola Licensed Insurance Agent
To get the best insurance coverage and deals, it is important that you understand how classic vehicles are valued and categorized and use this information when talking with an insurance representative. Finding a company that doesn’t require you to provide a garage for classic cars could be difficult. Enter your ZIP code to shop around to save money and find insurance coverage that does not insist on this requirement.
Frequently Asked Questions
Can I get classic car insurance without a garage?
Can I get classic car insurance if I don’t have a garage to store my vehicle? Yes — start by contacting insurance companies that specialize in classic car insurance. Companies like Hagerty, State Farm, and Liberty Mutual are familiar with the unique needs of classic car owners, including those without a garage, and offer coverage for classic cars stored in driveways, carports, or rented storage units.
Read More: Can you get auto insurance without a title?
What is garageless classic car insurance?
Classic car insurance with no garage is a specialized type of insurance coverage designed for owners of classic cars who do not have access to a traditional garage or storage facility. It provides protection for classic cars that are stored in alternative locations such as driveways, carports, or rented storage units.
What is the best company for classic car insurance?
Who is the best for classic car insurance? Hagerty and State Farm often have the best auto insurance rates for classic cars. Who competes with Hagerty Insurance? Liberty Mutual is best for those who need more customized policies for car shows and other events.
Does Grundy have good classic car insurance without a garage?
Grundy has competitive rates and unlimited mileage, but Grundy classic car insurance reviews complain about slow claims processing times. Find the best classic car insurance companies near you by entering your ZIP code into our free comparison tool.
How much does classic car insurance cost without a garage?
You could see higher rates if you don’t store your classic auto in a garage, but Safeco and State Farm premiums start under $50 per month. Compare auto insurance rates by state, since coverage and costs will vary by location. For example, classic car values in MD differ from elsewhere on the East Coast, so rates may be higher or lower than classic car insurance in NJ, NY, VA, or DC.
Do classic cars need to be garaged?
Many companies have garaging requirements for classic insurance policies, but Hagerty, State Farm, and Liberty Mutual have the best classic car insurance with no garage.
Why do I need classic car insurance without a garage?
If you own a classic car but do not have a garage to store it in, you may be exposed to certain risks that could potentially damage or devalue your vehicle. How do you protect a car without a garage? Garageless classic car insurance offers coverage for risks like theft, vandalism, fire, and weather-related damage, providing financial protection and peace of mind.
Learn More: What documents do you need to get auto insurance?
How do I find classic car insurance that doesn’t require proof of garage storage?
To find classic car insurance without a garage requirement, look for companies that offer specialized coverage for classic cars. Hagerty and Grundy classic car insurance are known for offering specialized policies for antique, exotic, and luxury cars. It’s important to discuss your vehicle’s value openly with insurance providers to determine eligibility for coverage without a garage.
What does classic car insurance typically cover?
Classic car insurance with or without a garage typically provides coverage for a range of perils, including theft, vandalism, fire, lightning, hail, windstorm, falling objects, and other weather-related damages. Additionally, it may offer liability coverage in case your classic car causes damage to someone else’s property or injures someone.
How do I file a classic car insurance claim?
You can file classic auto claims the same as standard insurance claims. Most companies allow claims to be processed online, but specialty insurers may require claims to be filed over the phone due to the unique terms of agreed-value policies. For instance, you would call the Hagerty insurance phone number and file a claim with your agent.
Learn More: How to File an Auto Insurance Claim
What are the limitations to classic car insurance?
Like any insurance policy, classic car insurance without a garage may have certain limitations and exclusions. Common exclusions include mechanical breakdown, regular wear and tear, damage caused by improper maintenance or modifications, and racing-related incidents. It’s important to carefully review the policy details to understand what is covered and any specific exclusions that may apply.
Can I drive my antique auto if I have garageless classic car insurance?
Yes, you can typically drive your classic car if you have garageless classic car insurance. However, the policy may have certain restrictions on usage, such as mileage limits or requirements for secure overnight parking. It’s important to review your policy or consult with your insurance provider to understand any specific limitations on driving your classic car.
Read More: Do you need auto insurance if you don’t drive your car?
What are the advantages of choosing agreed value coverage for a classic car?
Agreed value coverage is beneficial for classic cars because it allows you to set a pre-determined value for your vehicle with the insurance company. This value is agreed upon by both parties and ensures that in the event of a covered total loss, you will receive the agreed-upon amount, taking into consideration your investment in the vehicle and any modifications. This is especially useful if your classic car doesn’t have a standard market value.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.