Classic Car Insurance Requirements

Classic Car Insurance Requirements

If you own a vintage, antique, or collectible car, you’ll need classic car insurance to safeguard your prized possession. With our insurance, you can rest easy knowing that your precious antique or a vintage vehicle is protected by a coverage created exclusively to meet your classic car insurance requirements.

What Are the Typical Classic Car Insurance Requirements?

The following are the major requirements for receiving coverage for your classic car:

  • It has to be over 25 years old)
  • Safe storage in a garage, especially if the vehicle is valuable
  • Low annual mileage
  • Access to a different vehicle with a solid driving record
  • The car is in generally good condition, with evidence of frequent maintenance

The insurance criteria range from one insurer to another. Older cars that are used regularly will need to be insured under typical insurance.


How to Find the Best Classic and Collector Car Insurance

What Cars Are Insured Under a Classic Car Insurance Plan?

Classic automobile insurance may be available for the following sorts of vehicles:

  • Antiques
  • Classic cars
  • Classic military vehicles
  • Classic tractors
  • Exotics
  • Replicas and kit automobiles
  • Military vehicles
  • Scooters and motorcycles
  • Muscle cars
  • Race cars
  • Trucks from the 1980s


Easy Solutions to Common Problems with Classic Cars

Vehicle Age Requirements for a Classic Car Insurance Policy

The age of the vehicle is one of the most important factors when purchasing insurance. The majority of insurers do not cover vehicles older than 25 years old. However, some may be willing to offer you coverage for vintage cars older than 30 years old.

Storage Requirements

If you are storing your classic car in a garage, your insurer will require documentation of the location and conditions of storage. They may want to know the specific make and model of your vehicle, as well as a list of all modifications and any accidents involving the vintage automobile while it was stored at the location.

Mileage and Usage Limits

Some insurers will limit the mileage to allow you to drive your classic car. They may also set a maximum number of days per year your vehicle can be driven or limit the number of miles driven each day. If all this is included in your insurance policy, you don’t need to worry about keeping track of the mileage on your classic car.

Driver Eligibility

Depending on your situation, you may be asked to provide information about who is driving your classic car. If you are a leasing company or rental car company, you may be asked to provide proof that the driver has permission from the vehicle owner.


Regardless of age, a classic car is not insured if it is:

  • used every day
  • Recreational or off-road vehicles
  • Used for commercial purposes

Bottom Line

Knowing the many types of classic car insurance coverage available will help you keep your vehicle secure and protected for many years. Looking for tailored insurance that meets your needs? Contact our insurance specialists at CAV Insurance Agency to find out which discounts you qualify for and get a customized plan at a low cost.

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