7 Best Classic Car Insurance Companies 

Editor’s Take

You can expect flexible coverage options with American Collectors, including “agreed value” policies that guarantee a certain payout without depreciation if your classic car is totaled. This helps protect your investment in full.

Their coverage usually includes spare parts, tools, and even the costs for towing and labor. American Collectors is known for handling claims quickly and having strong customer service, which helps make the process less stressful for you.

If you have multiple vehicles, you may be able to bundle them under a single policy. The company is also recognized for covering a wide variety of vehicles—muscle cars, trucks, antiques, and even specialty vehicles. These features can save you time and give you peace of mind about your prized collection.

Key Pros

• Agreed value coverage
• Spare parts and tool coverage
• Quick, friendly claims support
• Wide acceptance of many classic vehicles

Cons

American Collectors does have a few limitations you should know about. Some policies may not cover your car if you drive it daily or use it for commuting, as coverage is often limited to car shows, exhibitions, and hobby use.

The company may also have strict rules about storage. For example, you might be required to keep your car in a locked garage to be eligible for coverage, which can be inconvenient if you don’t have secure storage.

Some drivers have found premiums to be a bit higher than mainstream auto coverage, especially if you opt for special add-ons. There might also be limits on the number of miles you can drive per year under some plans. These factors can be a drawback if you plan to use your car more regularly.

States Available In

American Collectors operates in most states, but not all. Coverage is most commonly offered across the United States, though there may be exceptions due to state regulations.

If you live in California, Texas, Florida, or other major states, you’re likely to find American Collectors available. However, exact availability can change, so you should always check their website or talk with an agent for the most up-to-date information.

Some policies and discounts may only apply in certain states. It’s best to verify if the coverage suits your needs and if your state is included before making a final decision. This way, you’ll know exactly what to expect.

Editor’s Take

You get agreed value coverage with American Modern, letting you insure your classic car for a fixed amount you and the company both accept. If your car is totaled, you receive this agreed amount, not just the depreciated value.

American Modern is flexible with usage, so you can drive your classic to shows and events without strict mileage restrictions. They cover a wide range of vehicles, including muscle cars, antiques, exotics, and even modified cars.

Key benefits include spare parts coverage, towing and roadside assistance, and the option to repair your car at the shop of your choice. The company’s claims service is highly rated for speed and support.

Key Pros

• Agreed Value coverage
• Flexible usage without strict limitations
• Coverage for many types of classic vehicles
• Good customer support reputation

Cons

American Modern sometimes charges higher premiums than standard auto insurance companies. If you want rock-bottom pricing, you may find more affordable rates elsewhere, especially if your classic car is infrequently driven or stored year-round.

Their insurance is only available for collector vehicles that are not used as your daily driver. If you want to use your classic car every day, you’ll likely need to look at other options.

Some optional coverage features cost extra, like roadside assistance, which may increase your overall premium. A strict requirement is that your car be stored in a locked garage, which could be a limitation if you don’t have secure parking.

States Available In

American Modern operates in all 50 states, giving you broad access if you move or store your classic car in different locations. You don’t have to worry about regional restrictions or state-specific availability issues.

They provide the same core coverage in every state, though some features and optional add-ons may vary based on local insurance laws. Always check your state’s specific details when setting up a policy, as small differences might affect your total coverage options.

American Modern’s national presence means you can travel to car events and shows across the country with your collector car, knowing your coverage still applies.

Editor’s Take

Leland-West stands out because it offers true agreed-value coverage, so you and the insurer decide what your car is worth ahead of time. In the event of a covered total loss, you receive that full amount, not less due to depreciation.

You can also benefit from flexible mileage plans. Plans are available for both low-mileage drivers and those who use their classic cars more often. You are allowed to drive to events, parades, and sometimes even for casual use, as long as it does not include daily commuting.

Customer service reviews are positive. Many collectors like that you can talk to knowledgeable representatives who understand classic cars, not just regular auto insurance. Leland-West also provides roadside assistance and spare parts coverage, which can be vital if you own an older vehicle.

Key Pros

• True agreed value coverage
• Mileage flexibility
• Specialized customer service
• Extras like spare parts and roadside assistance

Cons

Leland-West may not fit every driver. New customers must meet specific requirements, such as keeping their classic car in a locked garage and not using it for daily transport. If you don’t meet these standards, you could be denied coverage.

Premiums are competitive for qualified collectors, but fees might be higher than regular car insurance, especially if you want to use your car more often. Some policy restrictions apply if you’re younger than 25 or have recent driving violations.

Leland-West’s website and online tools are less modern than some larger insurers. This can make it harder to manage your policy or file claims online. Phone support is reliable but not 24/7, which may be a drawback if you need help outside business hours.

States Available In

Leland-West provides insurance coverage in most U.S. states, making it a viable option for many classic car owners. However, coverage is not available in certain regions like Alaska, Hawaii, and some remote areas. Because availability can vary due to local regulations, it’s important to confirm your eligibility directly with the company.

To make things easier, you can reach out to Leland-West before applying to ensure your location and vehicle qualify. Most users report that the process is straightforward once eligibility is confirmed. Staying updated through their website or customer service can help avoid surprises based on where you live.

Editor’s Take

Chubb stands out for its commitment to high-quality repairs, offering coverage for original equipment manufacturer (OEM) parts or fabricated replacements when OEM parts aren’t available. Although there’s no mileage limit, Chubb specifies that covered classic cars should be used only for hobby or occasional driving. This makes it a solid choice for collectors who prioritize authenticity and occasional use.

One of Chubb’s strongest features is its flexibility in repair shop choice—even if it means shipping your vehicle out of state or overseas. Additionally, it provides generous benefits such as no deductible on total loss claims, $1,500 in spare parts coverage, and up to $500 for disaster relocation.

Key Pros

• Repairs can be done at the shop of your choice, even out of state or internationally
• No deductible for total loss settlements
• $1,500 in spare parts coverage
• Up to $500 in disaster relocation expenses per vehicle

Cons

Chubb’s policies typically cost more than standard auto insurance, and sometimes even more than other classic car insurers. If you have a vehicle with lower value or you don’t need every extra, you might not find its pricing competitive.

The eligibility requirements can be strict. Chubb often requires storage in a secure garage and may limit coverage for daily drivers or modified vehicles. This makes it less flexible if you drive your classic car frequently or keep it outside.

Chubb’s online features are less advanced compared to some other companies. While you can get basic quotes and manage policies online, you often need to speak to an agent for most transactions, which could be inconvenient if you prefer managing everything digitally.

States Available In

Chubb offers classic car insurance in most states across the U.S. This broad availability means many collectors can access their features and service. However, the details of coverage and pricing can vary by state due to local regulations and insurance rules.

Chubb is especially active in states with large populations of classic cars, such as California, Texas, and Florida. If you live in a state where Chubb does not offer classic car insurance, you might need to look for another specialty provider.

To check if Chubb serves your location with classic car coverage, you should contact a local agent or visit their website’s location tool for up-to-date availability. This helps ensure you get accurate, state-specific information about their offerings before applying.

Editor’s Take

Hagerty offers agreed value coverage, letting you and the company decide your car’s worth ahead of time. This means that if there is a total loss, you receive the full agreed amount, not a depreciated value. The claims process is known for being quick and fair, which is important if your car is damaged or stolen.

The company provides roadside assistance tailored for classic cars, including flatbed towing, lockout help, and battery jump-starts. You also get access to Hagerty Drivers Club, which brings extra perks such as discounts, events, and automotive resources. Flexible mileage plans let you pick a policy that fits how often you drive your classic car.

Hagerty’s system is easy to use, and customer service representatives understand the needs of classic car owners. That makes it easier to set up a policy or ask questions about coverage options.

Key Pros

• Agreed value payouts
• Roadside assistance designed for classics
• Access to Hagerty Drivers Club
• Flexible policies and helpful customer service

Cons

Hagerty’s insurance is not ideal for people looking to drive their classic cars every day. Mileage limits are in place for most policies, so these plans work best for occasional drivers or collectors who use their cars mostly for shows or leisure. Some newer specialty cars may not qualify if they do not meet Hagerty’s definition of a classic, collectible, or antique.

Premiums can be higher than regular auto insurance because policies are built for rare or valuable vehicles. Basic policies may lack some modern coverage extras without add-ons or riders, such as rideshare or gap coverage. Hagerty prefers customers keep their classic cars in secure storage, which may not work for everyone.

Not all vehicles or modifications are eligible. Your car will often need to be in good condition, and some heavily modified cars may not qualify.

States Available In

Hagerty offers classic car insurance in all 50 states, making it easy to get coverage no matter where you live in the U.S. Their network of specialty agents and brokers understands local requirements, helping tailor policies to meet specific state needs. This nationwide reach gives customers flexibility whether they’re in a major city or a rural area.

If you move, you can typically keep your coverage active as long as you follow Hagerty’s guidelines. However, some discounts or optional benefits, like roadside assistance or club memberships, may vary depending on your location. Overall, Hagerty is a reliable choice if you want consistent coverage with the freedom to travel or relocate.

Editor’s Take

Condon Skelly stands out for its lay-up discount, which rewards policyholders who don’t drive their vehicles during the winter months from December through March. This benefit, however, doesn’t extend to restoration vehicles. Alongside this seasonal savings option, Condon Skelly offers a wide range of mileage plans, including unlimited miles, catering to various classic car usage needs.

Drivers can choose annual mileage limits between 2,500 and 7,500 miles or opt for unlimited miles, as long as the car is used strictly for leisure, not daily driving. The company also provides coverage for unique and specialty vehicles such as vintage tractors, military vehicles, and fire trucks, making it a versatile option for collectors with rare or unconventional cars.

Key Pros

• Offers lay-up discount for unused winter months (Dec–Mar)
• Flexible mileage plans, including unlimited miles
• Coverage available for rare and specialty vehicles
• Online quotes are available for added convenience

Cons

Condon Skelly’s policies are not for daily drivers. If you want to use your insured car for routine errands or commuting, you may not qualify. Sometimes this makes the coverage less practical for some, especially if your classic is your main vehicle.

You might pay extra for some options like higher liability limits or event coverage. Digital tools and online account access aren’t as robust as larger insurers. Some customers report that quotes can be slower to process compared to big insurance companies.

You must follow use and storage rules, such as keeping your classic in a secure garage and proving you have another regular-use vehicle.

States Available In

Condon Skelly offers coverage in most states, but not everywhere in the U.S. Make sure to check their official state availability list before starting an application. Some regions, especially those with unique insurance laws, may have restrictions or not be serviced.

Editor’s Take

Heacock Classic is well-known for serving car enthusiasts. If you own a collector vehicle, antique, or classic car, Heacock offers direct coverage designed for older cars you want to protect and preserve.

You can choose an agreed value policy, so you know how much you’ll get if your car is declared a total loss. Unlike some insurers, Heacock also allows you to add spare parts and trip interruption coverage, which helps if you need repairs on the road.

Mileage plans are flexible. Whether you only drive to local shows or take your car out more often, you have choices. The company also gets positive marks for friendly service and knowledgeable agents who understand vintage autos.

Key Pros

• Agreed value coverage
• Options for limited-use and regular-use vehicles
• Spare parts and roadside coverage available
• Enthusiast-focused customer service

Cons

There are some things to watch for with Heacock Classic. You may find coverage limited in certain states or unavailable entirely, depending on your location. Some drivers report higher premiums compared to mainstream auto insurance options, though this is typical for classic car policies.

Heacock also has specific vehicle requirements. Your car must usually meet age and condition guidelines. Daily driving is not allowed, so if you need to use your classic as your main vehicle, another insurer may work better.

Discounts are fewer compared to some competitors. You might not find bundling or multi-car deals if you insure both daily drivers and classics with Heacock, so check your total cost before committing.

States Available In

Heacock Classic’s insurance policies are not available everywhere. Coverage is offered in most states, but some states have restrictions, and a few are excluded. You should check Heacock Classic’s website or contact an agent to confirm if your state is included.

The company operates in states where classic car insurance is permitted under local rules. If you live in a state with unique insurance regulations, availability may change from year to year.

For the most up-to-date list, it is best to verify directly. Many classic car owners are able to get coverage, but some locations may not see new policies written at all.