Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 20, 2020

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Things to Remember...

  • Figure out what your car is classified as
  • Look into special restrictions your insurance company may have on specialty vehicles
  • Several factors will go into determining what your auto insurance rates will be

Classic cars must be properly insured, just like any other car.

Get free online auto insurance quotes for you classic car by entering your zip code now!

There are very specific requirements that define a classic car, antique car, or specialty car in the eyes of auto insurance companies.

These differences will impact the type of insurance coverage you need, and the price you will pay for that coverage.

Here are a few of the basics that come with auto insurance on the classic car:

Defining a Classic Car

Just how old is that car you are painstakingly restoring? This can play a big role in how your car is classified in the eye of auto insurance companies. There are two big classifications when it comes to auto insurance.

  • Classic car
  • Antique car

The first classification is a “classic” automobile. Classic cars are generally those cars manufactured between 1940 and 1970. There are some exceptions to this rule, though. These exceptions have to do with model runs, car company, and other various car factors.

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Defining an Antique Car

The second classification is an “antique” automobile. This classification applies to cars made before 1940. Talk with your auto insurance agent to find out what classification your car truly falls into.

These classifications don’t mean one auto insurance rate will be better or worse than the other will. Model runs, parts availability, and how prolific the car was will still play into your rates.

A car like the 1920s era Ford Model T will classify as an antique but will have cheaper auto insurance rate than a classic like the 1960s Ferrari 33 TRI/LM.

The reason the Model T will cost less to insure is there were millions of them made. The Ferrari? Well, good luck even finding the car.

Restrictions Apply to More Than Speed Limits

Restrictions will also be a big part of your auto insurance policy. Once you find a company to put a policy on Ol’ Bessie, you will need to talk to the agent about what you are and are not able to do with your car.

These restrictions can range from something as simple as the requirement to trailer the car to car shows.

You may only be allowed to drive the car in parades or on Sundays and government-recognized holidays.

These restrictions might even apply to how you store your car.

These restrictions can get even more severe depending on the car itself. Higher auto insurance rates might come into play if you or anyone in your household has some sort of ticket on their driving records.

Make sure you sit down with your auto insurance agent to go over all the fine details of your new policy. You don’t want something silly like driving your car in a parade on the Fourth of July to make your policy null and void.

Classic cars are a great snapshot of where our autos have come from. Make sure you keep that car in mind when you start hunting down auto insurance for your classic ride.

Compare online auto insurance quotes specifically for your classic car by typing in your zip code now!