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Classic Car Insurance
Insure your classic car with low-cost coverages
This classic car rate and coverage are provided and serviced by third parties.. Read more
Get a classic car insurance quote and enjoy the ride
We love classic cars just as much as you do. That’s why with the Progressive Classic Car by Hagerty® program, you can take your car out for a spin without any fixed mileage restrictions. And if you join the Hagerty Drivers Club, you can also get 24/7 roadside assistance for lockouts, battery jumps, tire changes, and more. Hagerty's mission is to keep your vintage car ready for the road, whether you’re headed to a car show or just out for a weekend drive. Get a quote for collector car insurance now and get covered.
Better coverage for your classic at lower rates
Your classic isn't just a car. That's why your classic car insurance policy isn't just a standard car insurance policy. Instead, it's a much different policy that's built just for your classic and includes more specialized coverages. And because Hagerty only protects collector vehicles that aren't driven daily, your classic or collector car insurance policy provides better coverage at significantly lower prices than standard auto insurance.
What makes a car a classic?
The exact definition may vary among classic car insurance companies, but Hagerty defines them as "fun-to-drive" vehicles that maintain or appreciate in value and are used primarily for pleasure. A few examples:
- 1965 Ford Mustang
- 1975 Volkswagen Beetle
- 2011 Porsche 911
Keep in mind that you can't use your classic car as a daily driver if you want to insure it with a classic car insurance policy. You also need to store your classic car in a safe place. An enclosed structure, such as a private garage or storage unit, is preferred, but carports and driveways may also be adequate.
If your car doesn't qualify for classic car insurance, you can still be insured. But you'll need a standard auto policy with Progressive instead. Get an auto insurance quote online.
Commonly asked questions about qualifying for classic car insurance
Generally, to get insurance for classic, collector, vintage, and antique cars or trucks, your vehicle needs to be parked in a safe place, used as an extra car and not your daily vehicle, and kept in good working condition. If your car doesn’t qualify for classic auto insurance, a standard auto insurance policy may be a better option for you.
How old does my car have to be before it’s considered a classic?
The age range of a classic car is often between 25–50 years old. However, there is no definitive age that makes a car a classic. Different states have different requirements for defining a vehicle as a classic, which may factor in age, weight, usage, or manufacturing.
Where do I have to store my classic car?
In order to qualify for classic car insurance, you must have adequate storage available. An enclosed structure such as a private garage or storage unit is preferred, but carports, driveways, and other storage areas may also be acceptable.
How often can I use my classic car?
Your classic car cannot be your everyday car. It should be for occasional use only. Taking your car out for pleasure driving, exhibitions, tours, and similar trips is acceptable.
Does my driving record impact my classic car insurance?
Yes. In many states, you may not qualify for classic auto insurance if you’ve had excessive speeding violations, reckless driving, and other serious infractions in the last three years.
Do I have to have another car insured with Progressive?
No, but you will need to maintain an insurance policy on your regular-use vehicle in addition to your classic car insurance policy.
How does classic or collector car insurance differ from regular auto insurance?
One of the key differences between classic and regular car insurance is that a regular policy may cover you only for the actual cash value of your classic car. Learn more about the difference between classic and regular auto policies with our Classic Car Insurance 101 guide.
Get discounts on classic car insurance and more with Progressive Classic Car by Hagerty
When you quote collector car insurance with Hagerty, you can get a reduced rate for adding two or more classic vehicles to your policy. If you also join the Hagerty Drivers Club®, you gain emergency roadside services for your collector car, discounts for automotive parts, track events, driving schools, and more offerings available from Hagerty's partners.* Get started with a quote for classic car insurance, check out the Hagerty Drivers Club, and start saving more today.
Hagerty classic auto insurance policy features
With Hagerty, you’ll enjoy more protection for your ride and the way you want to cruise. Just get a classic car insurance quote today and gain the peace of mind that comes with these specialized policy features.
Guaranteed Value® coverage to insure your classic's real value
If you do have a covered total loss, you'll get every single cent of your car's insured value.† No depreciation. No messing around. No hassle. When you get your classic car insurance quote, just provide your classic's value, and then Hagerty will agree with you on a total payout number.
You can find out more about your classic car’s value using our Classic Car Value guide.
Original replacement parts coverage
If you have a claim, Hagerty offers stock original replacement parts when possible, and has specialists on hand to hunt down any rare or hard-to-find ones. And yes, original replacement parts coverage is automatically included at no extra cost with your classic or vintage car insurance policy.
Flexible usage to fully enjoy your classic
The best collector car insurance lets you enjoy your ride the way you want. That's why with Progressive Classic Car insurance by Hagerty, you have the freedom to take your ride to collector vehicle club functions, exhibitions, tours, and even occasional pleasure driving.**
