Classic Car Insurance

Save more and protect your classic car with low-cost coverages

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Enjoy the ride with more savings

Insurance premiums for classic cars are generally 20-30{2a1881a171644ce0076300866b7e04387d2c2bcae5e74c4ed73df8a6cbfa592d} lower than standard auto policies, making it a great purchase for those looking to save more. We are happy to assist you with protecting your collectible from the unexpected.

Get great insurance for classic, collector, vintage, and antique vehicles.

Classic car insurance requirements

Age and Historic Value

Major factors for classic car eligibility

If your car has historic interest and is greater than 20 years old, then it is likely eligible for our insurance. 

Safe Storage

Keep it in a private and enclosed building

In order to qualify for insurance, your car must be properly stored in a private space ideally inside a building. There may be some exceptions like driveways or carports.

Condition

Restored, maintained, and preserved

Your car must be restored, maintained, and ideally in its original condition. If the car is undergoing restoration, it may be accepted. Insurance may be declined if the car is damaged. Modified vehicles have certain requirements that you should discuss with an agent.

Limited Use

Not your everyday car

If your car is driven daily then it must be insured on a standard plan. Classic car insurance is discounted as you’re required to drive under a lower amount of miles per year in order to be covered.

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Common classic car insurance questions

Here are some of the most asked questions for classic car insurance. You can also check out our FAQ page for more.

How old must my car be to be considered a classic?

The age requirement for classic car insurance generally is between 20 – 50 years old. However, the car may need other requirements before it can be defined as a classic which includes historical interest, usage, and manfuacturering.

How do I have to store my classic car?

You must have adequate storage space available and the structure must be a space with acceptable protection from the elements. Carports and driveways may be okay as long as the area is determined to be safe by our agent.

Can I insure my classic car if I drive it every day?

Your classic car cannot be driven every day. It must only be used occasionally and restricted to pleasure driving, exhibitions, tours, and similar events.

Can I insure my classic car if it’s my only vehicle?

In order to qualify for classic car insurance, you must have a separate vehicle that you primarily drive. Your primary vehicle doesn’t need to be insured by Starco, but it must be insured for your classic car to be eligible for classic car insurance.

Not sure what coverages to choose?

Learn more on Starco Answers or talk to one of our expert insurance agents by calling 1-888-400-4004.

Save on insurance

Bundle insurance to save more

Save up to 10{2a1881a171644ce0076300866b7e04387d2c2bcae5e74c4ed73df8a6cbfa592d} by bundling your auto policy with your home, renters, or condo insurance.

Discounts for your policy

You may qualify for discounts if you have a good record, you’re a student, or from military. Ask us what discounts are available to you.

Get a Quote

Save on insurance

Bundle insurance to save more

Save up to 10{2a1881a171644ce0076300866b7e04387d2c2bcae5e74c4ed73df8a6cbfa592d} by bundling your auto policy with your home, renters, or condo insurance.

Discounts for your policy

You may qualify for discounts if you have a good record, you’re a student, or from military. Ask us what discounts are available to you.

Get a Quote

Starco Answers