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...

  • A classic car is a treasure that a faithful owner must protect
  • Any auto insurance policy for a classic car should provide plenty of coverage
  • Anyone with a one of a kind vintage vehicle needs a special kind of insurance for their special category of car.

Anyone with a one of a kind vintage vehicle needs a special kind of insurance for their special category of car.

Below is a comparison of a few good classic auto insurance companies to choose from if one happens to be on the lookout for insurance on their classic car. A classic car is a treasure that a faithful owner must protect.

Any auto insurance policy for a classic car should provide plenty of coverage. Enter your ZIP code into our FREE car insurance comparison tool to find the right policy for you.

Here are four top auto insurance company options for classic cars worth considering.

Grundy Insurance

A premier insurance carrier for those serious collectors looking to insure their classic cars, reach out to this company just outside of Philadelphia which has been in business since 1947.

Their Motor Vehicle Program makes them the best among classic car auto insurance companies.


  • Unable to write “collector car only” policies as of 10/2011; this option will work with an insurer who is looking to get all of their vehicles insured, including their classic cars, together
  • There is a special collections policy that is a part of Grundy’s Special Client Services department; this allows a potential insurer to insure other collectible items like art and coins in addition to their auto collection

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Hagerty specializes in dealing strictly with classic car auto insurance. The company states their rates are typically lower than other insurance companies, which include as part of their services insurance daily use vehicles.


  • Policies are uniquely specialized to meet the needs of those who own classic cars
  • The company will work to ensure the insured is able to get the full value of their vehicle should an accident occur
  • Potential customers of Hagerty will need to make sure they are not using their classic car for daily use; all others living in the home must be covered for daily use vehicles; vehicle must also have a secure storage spot

Classic Auto Insurance

The company offers classic car auto insurance to vehicle owners in 47 states (excludes: Massachusetts, Hawaii, and Alaska); for anyone living in North Carolina, the vehicle to be insured needs to be older than 25 years. Highlights:


  • Auto Insurance coverage includes pleasure driving in addition to car shows, parades, and other events. Roadside assistance is available if problems arise with the car while at one of these events
  • The company is underwritten by (AMG) American Modern Insurance Group
  • Unless attending a car show or event, all cars insured with Classic Auto Insurance must be housed in a fully enclosed garage (does not include carports)
  • The company points out that having a good driving record and driving habits which are conservative will help with lowered pricing on premiums through the company.
  • Online quote option available

JC Taylor

JC Taylor is one of the world’s major suppliers of specialty vehicle insurance policies. Their policies are designed with the car collector in mind and they have thousands of satisfied customers to confirm they must be doing something right. Highlights:


  • Though there is no mileage restriction on classic car insurance policies, vehicles are expected to be used as a hobby for recreation and not for everyday driving
  • Insured persons must be at least 25 years of age; in addition, there can be no more than one at-fault accident or moving violation on their record
  • A photo of the vehicle is required (preferably front corner view); appraisals are not mandatory but may be requested if necessary
  • No “attendance clause” on policies which state that operator must always be near the vehicle when it is in use; the company feels they are not reasonable and therefore excludes them from all policies
  • While there is a 2500 mileage limit for underwriting, technically there is no mileage limit for the JC Taylor policy. The company points out, however, they are not in the practice of denying coverage if the usage is within reason

The companies listed above represent a selection of the main companies to check first when searching for a good classic car auto insurance company.

Be sure to compare as many options as possible before making a decision on classic car insurance. Enter your ZIP code into our FREE auto insurance comparison tool to find great rates now!