How does classic military vehicle insurance work?

Classic military vehicle insurance works like classic car insurance, but insurers may have rules about a military vehicle's age, equipment, and usage that you'll need to meet before you get a policy. Like with classic car insurance, a military vehicle insurance policy covers the vehicle's agreed value rather than its depreciated value, and coverages are similar to auto insurance with some additional specialized options.

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What types of military vehicles can be insured?

Every classic vehicle insurer has different rules about the collector vehicles they'll insure, often regarding the vehicle's age, usage, and modifications. Progressive offers classic car insurance through Hagerty for military vehicles that meet the following requirements:

  • 20 years and older
  • De-militarized (armaments removed or disabled)
  • If participating in battle reenactments, vehicle must remain mostly stationary

You also may need to meet other insurer requirements that would apply to any classic vehicle. For example, Hagerty requires that the vehicle you insure isn't your everyday vehicle. Learn more about how classic car insurance works.

What does military truck insurance cover?

The standard auto insurance coverages are typically available through classic vehicle insurers, even for military vehicles. Plus, there are some optional coverages designed to account for your vehicle's restoration, modifications, and more. Here are the military vehicle coverages available through Hagerty:

  • Liability (starting at the minimum required by your state)
  • Comprehensive and collision
  • Optional roadside assistance
  • Other optional coverages for spare parts and tools, increasing value while your military vehicle is under construction, and more

Learn more about car insurance requirements by state.

How much insurance should I get for a military vehicle?

Rather than insuring your car for its replacement or depreciated value, military vehicle insurance allows you to have a coverage limit up to your vehicle's "agreed value," which Hagerty calls the Guaranteed Value®.* This will be determined during your antique vehicle's valuation process, when your insurer will factor in your vehicle's age, make, model, engine, condition, modifications, and restorations. When your vehicle is insured for an agreed amount, if it's totaled by a covered incident, you'll receive that full value, minus your deductible, and minus any salvage value if you decide to keep what remains of the totaled vehicle.

How to get insurance for your classic military car


Get a classic car insurance quote and choose the coverages you want for your military vehicle.

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Call 1-888-534-8980 and speak with a representative.

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Learn more about classic car insurance policies.

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.