Collector & Classic Car Insurance

If you're a proud owner of a vintage, antique, or collectible car, you need classic car insurance to protect your beloved investment. But classic cars deserve unique insurance coverage. With the GEICO Insurance Agency, you can get customizable auto insurance coverage that is designed just for classic or collector vehicles. Because your vintage automobile deserves great insurance coverage to match all of the hard work and TLC you've put into restoring it.

GEICO knows that your collector car is more than just a car. That's why a classic car insurance policy is so much more than just a standard auto policy. Traditional insurance policies may not consider the unique issues that come up when a collector vehicle represents a significant financial investment, like when replacement parts are nearly impossible to find. With classic car insurance through GEICO, you can enjoy peace of mind knowing that your treasured antique or vintage vehicle is covered with an insurance policy designed specifically for collector cars. You can enjoy full protection for your ride with our antique car insurance.

A classic car insurance policy provides many of the same coverages as a regular auto insurance policy. A classic car policy can provide liability coverages, uninsured and underinsured motorist coverage, and medical coverages like personal injury protection or medical payments coverage. You can also purchase towing and roadside assistance reimbursement coverage.

The primary difference in a classic car insurance policy is the coverage it provides for your vehicle under collision and comprehensive coverages. These coverages will be based on the agreed value of your vehicle. This amount is an agreement between you, as the owner, and the insurer on the value of the vehicle the policy is written for. This amount usually considers industry guidelines and is generally reviewed upon policy renewal.

Up to $500 coverage for spare parts may also be available. You can add additional spare part coverage for additional premium. Restore your antique car with help from a classic car insurance policy.

Your vintage or antique vehicle is your pride and joy, but what exactly makes it a "classic car" in insurance terms? Typically, classic cars are defined as vehicles that hold or appreciate in value and are used primarily for pleasure, versus getting you from point A to point B every day. Classic cars are considered collectable because there's enough historical interest to make these beauties worth preserving and restoring.

• Sales
• Mon – Fri
  8:00 AM – 8:00 PM (ET)

• Is classic car insurance different than regular auto insurance?
  Traditional insurance policies are great at getting your daily driver back on the road should something unfortunate happen. But they're not always the best at sorting out some of the unique issues that come into play with collector car insurance coverage. For example, when parts are literally impossible to find or the vehicle represents a substantial financial investment.
• How can I manage my collector auto policy?
  Once you've gotten your pride and joy insured, you'll be able to call (866) 344-2527 (Mon – Fri 8:00 AM – 8:00 PM ET) for top-notch service on your Assurant* policy. If your policy is with American Modern Insurance Group®, you can manage your collector auto policy online or call (866) 760-4166 (Mon – Fri 8:00 AM – 9:00 PM ET).
• How old does a car have to be to qualify for a classic car insurance policy?
  A vehicle is usually considered an antique car eligible for a collector car insurance policy if it is 25 or more model years old. But, other types of vehicles may qualify for a collector car insurance policy. If you have a unique, rare, or limited production vehicle or maybe a modified vehicle we can help you find the right coverage. Call (866) 344-2527 to speak to an agent today.
• How frequently can a vehicle be driven and still quality for a collector car policy?
  Generally a vehicle cannot be used for business, or daily transportation. Some states also have miles driven per year maximums. Call (866) 344-2527 to talk to an agent about your vehicle today.
• What are the storage requirements for a classic car?
  To qualify for coverage under a collector auto policy your vehicle must be in storage when not in use. Eligible storage facilities include a private and enclosed garage or a rental or storage garaging unit.
• Does classic car insurance provide coverage in the event of a theft?
  A classic car insurance policy would provide coverage for a theft under comprehensive coverage. You should make sure you are familiar with and following all the terms and conditions of the policy contract. All claims are subject to investigation.