• Hushh Magazine

What is Classic Car Insurance?

Whether you lovingly rebuilt your antique auto or classic car from the ground up or you bought a perfectly restored showpiece, it’s much more than a car to you. It’s your passion, your pride and joy. Unlike a new vehicle, antique cars appreciate in value, so their insurance differs. State Farm® can help protect it. We’ve offered competitively-priced quality auto insurance coverage since 1922. When your antique car was new, it may have been covered by State Farm. Who better to insure it again?



Insuring a classic car is different than insuring a regular car because regular car insurance isn’t enough to cover against damage or loss for such unique cars. To properly cover a vintage or exotic car, you need a classic car policy to cover your vehicle’s unique value. Unlike regular car insurance, a classic car policy may have limits on mileage, use and storage among other things. In addition there may be qualifications the driver must meet such as age, experience, driving record and access to additional cars.


To be eligible for classic car insurance, your vehicle must fit one of the following definitions:


•Classic car: A vehicle 10 to 24 years old that has historic interest (e.g., a hot rod or muscle car).


•Antique car: A vehicle 25 or more years old that has historic interest.


Your antique or classic car must also meet these conditions:


•Limited use: Your antique or classic vehicle should only be used on a very limited basis

driven 2500 miles per year or less for shows, exhibitions, club activities or parades.


•Condition: The car (generally) must be restored, maintained and preserved in its original

condition, or undergoing a restoration. Some insurers may decline if the vehicle is not in excellent condition.


•Storage: It’s required that you store your vehicle in an enclosed building.


When you choose antique or classic car insurance with us, you and State Farm will agree on the value of the car. If the car experiences a total covered loss, we’ll pay the agreed-upon value, rather than the actual cash value of the car as long as parts have not been removed and the car’s condition has not deteriorated because of abuse or neglect.* Up to $500 coverage for your car’s spare parts.


24 Hour Good Neighbor Service — During the day or in the middle of the night, you can call your agent’s number and speak with a State Farm representative to handle your antique auto or classic car insurance needs.


We understand your classic car. We’ve been insuring collector cars for many years. Check out one of our unique training tools! Learn more about the “Split Camaro.”


Call Josh Hemphill at State Farm to go over the best options! Call 865-675-3999