Classic Car Insurance
Insure your classic car with low-cost coverages
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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.
Hagerty's auto insurance rates are on average 34% less than standard auto 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 your classic or collector car insurance policy actually costs about $244 less* than a standard auto policy.
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 garage, 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.
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
- 1980 Chevrolet Corvette
If your car is not a classic, you can still be insured. But, you'll need a standard auto policy with Progressive instead. Get an auto insurance quote online.
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 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.