American Family, Safeco, and Nationwide are the best car insurance companies for classic cars, offering tailored coverage for vintage vehicles.

American Family leads with specialized classic car insurance policies to protect your investment, while Safeco and Nationwide provide comprehensive options for a variety of classic car needs.

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	25%	A	Reliable Service	American Family
	#2	15%	A	Specialized Coverage	Safeco
	#3	20%	A+	Customizable Policies	Nationwide
	#4	25%	A++	Competitive Rates	Geico
	#5	5%	A+	Comprehensive Options	The Hartford
	#6	25%	A+	Strong Reputation	Allstate
	#7	10%	A++	Military Focus	USAA
	#8	17%	B	Extensive Network	State Farm
	#9	25%	A++	Customer Satisfaction	Travelers
	#10	10%	A+	Innovative Discounts	Progressive

Each company stands out for its focus on preservation, affordability, and unique benefits. Keep reading to learn how to get cheap car insurance for your classic auto.

Need the cheapest car insurance possible? Enter your ZIP code above into our free comparison tool to find the most affordable rates for your vehicle.

What You Should Know

• American Family is the top pick, offering classic car coverage from $39/month
• Safeco offers flexible policies tailored to vintage and collector vehicles
• Nationwide provides insurance focused on preserving classic car value

#1 – American Family: Top Overall Pick

Pros

• Exclusive Vintage Coverage: American Family offers policies tailored to classic cars, addressing the unique needs of vintage vehicle preservation.
• Affordable Premiums: AmFam rates start as low as $39 per month, providing budget-friendly classic auto coverage. Compare more quotes in our American Family reviews
• Restoration Protection: Policies cover restoration projects, protecting your classic cars during repairs or upgrades.

Cons

• Coverage Caps: Despite specialized policies, American Family may limit coverage on exceptionally rare or highly valued classic cars.
• Discount Restrictions: Classic car insurance discounts may not be as extensive compared to general auto policies.

#2 – Safeco: Best for Comprehensive Coverage Packages

Pros

• Broad Coverage Options: Safeco offers a wide range of coverage for classic cars, including agreed-value protection, ensuring your vintage car’s true value is covered.
• Bundling Discounts: Safeco offers significant discounts for bundling classic car insurance. Read our Safeco insurance customer ratings for more details.
• Flexible Mileage Limits: Safeco allows more flexibility with mileage restrictions, making it ideal for classic car enthusiasts who drive their vehicles more frequently.

Cons

• Higher Premiums for Lower Mileage: Safeco’s rates for lower mileage limits can be higher compared to other classic car insurance providers.
• Availability Gaps: Safeco’s classic car coverage may not be offered in every state, limiting access for some collectors.

#3 – Nationwide: Best for Affordability and Customization

Pros

• Customizable Policies: Nationwide allows for extensive customization in their classic car insurance plans.
• Affordability: Nationwide’s rates start at $39 per month, making it a budget-friendly choice for classic car insurance.
• Storage Coverage: Nationwide offers protection and discounts for classic cars that are stored seasonally.

Cons

• Mileage Restrictions: Nationwide imposes stricter mileage limits on classic car insurance, which may not be ideal for collectors who enjoy driving more frequently.
• Slow Claims Process: Claims for classic cars can take longer to process compared to standard claims. Read Nationwide customer reviews to learn more.

#4 – Geico: Best for Mobile Customer Support

Pros

• 24/7 Customer Service: Geico excels in customer support, offering 24/7 assistance specifically tailored to its classic car insurance policyholders.
• Discount Opportunities: Discounts, including multi-policy, to significantly reduce your classic car insurance. Find top ways customers have saved money on car insurance rates.
• Partnered Classic Coverage: Through its partnership with other classic car insurance specialists, Geico provides comprehensive coverage for vintage and collectible vehicles.

Cons

• Minimal Customization: While Geico offers great customer service, the flexibility of their classic car coverage options is limited compared to others like Nationwide.
• Premium Increases for Older Vehicles: Premiums can rise if your classic car has been on the road for more years than initially anticipated.

#5 – The Hartford: Best for Older Drivers With Classic Cars

Pros

• AARP Discounts: Offers exclusive discounts for AARP members, making classic car insurance even more affordable for older drivers.
• Roadside Assistance for Classic Cars: The Hartford provides emergency roadside services specifically tailored for vintage vehicles, ensuring specialized care.
• Strong Claims Satisfaction: The Hartford is highly rated for claims handling. Explore The Hartford customer ratings to learn more.

Cons

• Strict Eligibility Requirements: The Hartford’s classic car insurance has more stringent eligibility criteria, making it harder for some collectors to qualify.
• Mileage Caps: The Hartford imposes mileage caps that might limit your driving experience with your classic cars.

#6 – Allstate: Best for Restoration Projects

Pros

• Coverage for Restoration: Allstate’s policies cover classic cars under restoration. Find more insights in our Allstate insurance reviews.
• Discounts for Safe Driving: Allstate rewards safe drivers with discounts, helping classic car owners lower their premiums.
• Flexible Policy Options: Allstate offers a variety of customizable policy options to fit the needs of different classic car owners, from occasional drivers to daily users.

Cons

• Higher Premiums for High-Value Cars: Allstate’s classic car insurance can become costly for high-value vintage vehicles, limiting its appeal for collectors with rare cars.
• Restoration Restrictions: While restoration coverage is available, there are limitations on the types of restorations that are covered, particularly for rare parts.

#7 – USAA: Best for Military Classic Car Owners

Pros

• Military Discounts: USAA offers exclusive discounts for military members and veterans, making classic car insurance even more affordable.
• Comprehensive Storage Coverage: USAA provides specialized storage insurance for classic cars not in regular use, ensuring full protection while they’re off the road.
• Exceptional Customer Satisfaction: USAA ranks highly in customer satisfaction, offering personalized service for classic car owners. Learn more in our USAA insurance reviews.

Cons

• Membership Restrictions: Only military members and their families can qualify for USAA, limiting access for non-military classic car owners.
• Mileage Limits: Similar to Nationwide, USAA imposes mileage limits on its classic car policies, which may not suit more active drivers.

#8 – State Farm: Best for Budget-Friendly Classic Car Insurance

Pros

• Affordable Rates: State Farm offers some of the lowest premiums for classic car insurance, making it an excellent choice for budget-conscious vintage vehicle owners.
• Wide Coverage Network: State Farm’s expansive coverage network ensures that collectors across many states have access to comprehensive classic car insurance.
• Multi-Policy Discounts: Offers significant savings when bundling classic car insurance with other State Farm policies. See more details in our State Farm insurance reviews.

Cons

• Premium Variability: Even with discounts, premium costs can still fluctuate for classic car policies depending on the vehicle’s age and condition.
• Claims Handling: Some users report slower claims processing times for classic car insurance compared to regular auto claims.

#9 – Travelers: Best for Flexible Mileage Limits

Pros

• Flexible Mileage Plans: Travelers offers more flexible mileage options, making it ideal for collectors who enjoy taking their classic cars out on the road frequently.
• Agreed Value Protection: Classic car owners can secure agreed-value policies. Find out more in our Travelers insurance reviews.
• Roadside Assistance Coverage: Includes comprehensive roadside assistance for classic cars, ensuring you're covered in any emergency situation.

Cons

• High Premiums for Daily Drivers: Travelers' premiums can rise significantly for classic car owners who drive their vehicles frequently.
• Limited Online Access: While flexible in coverage, Travelers' online resources for classic car insurance are less comprehensive, requiring more agent interaction.

#10 – Progressive: Best for Bundled Insurance Options

Pros

• Bundling Discounts: Progressive offers competitive discounts for bundling classic car insurance with other policies.
• Customizable Classic Car Coverage: Progressive allows classic car owners to tailor coverage to their unique needs, from agreed value to spare parts protection.

• Mobile App Accessibility: Read our Progressive insurance reviews to learn about its user-friendly mobile app that makes it easy for classic car owners.

  Cons

• Mileage Restrictions: Like many other insurers, Progressive limits the miles you can drive your classic car each year, which may not suit all collectors.

• Higher Premiums for Certain States: Classic car insurance rates with Progressive can vary significantly depending on location, with higher costs in certain states.

Classic Car Insurance Rates From Leading Companies

Below is a comparison of both minimum and full coverage rates for the top ten insurance companies for classic cars:

Insurance Company	Minimum Coverage	Full Coverage
	$47	$115
	$43	$103
	$42	$100
	$45	$108
	$44	$104
	$48	$113
	$45	$105
	$50	$117
	$49	$109
	$39	$95

Geico and USAA stand out for their competitive rates, especially for those seeking affordable full coverage options.

Meanwhile, The Hartford and Travelers present higher rates, especially for full coverage, which could appeal more to those prioritizing extensive benefits.

Learn More: Liability vs. Full Coverage: Differences in Car Insurance Policies

Classic Car Insurance Discounts Across Top Providers

When it comes to insuring classic cars, discounts can play a significant role in reducing premiums. Discover insurance savings below from the best and cheapest car insurance companies:

Insurance Company	Available Discount
	Multi-vehicle, Bundling, Good driver, Defensive driving, Loyalty, Early-bird
	Multi-vehicle, Bundling, Good driver, Defensive driving, Military, Anti-theft
	Multi-vehicle, Bundling, Anti-theft, Safe driver, Defensive driving, Pay-in-full
	Multi-vehicle, Bundling, Snapshot (usage-based), Good driver, Defensive driving, Anti-theft
	Multi-vehicle, Bundling, Anti-theft, Accident forgiveness, Good driver, Defensive driving
	Multi-vehicle, Bundling, Good driver, Defensive driving, Anti-theft, Safe vehicle
	Multi-vehicle, Bundling, Defensive driving, Good driver, Anti-theft, Accident forgiveness
	Multi-vehicle, Bundling, Good driver, Defensive driving, Hybrid/electric vehicle, Accident forgiveness
	Multi-vehicle, Bundling, Good driver, Defensive driving, Military, Anti-theft

These savings opportunities vary from company to company, but many top providers offer a mix of multi-vehicle, bundling, and defensive driving discounts that cater to classic car owners.

Let's see your money-saving moves when you bundle your home and auto policies under our roof. https://t.co/mCsqNLzgey pic.twitter.com/juDkjXSHz8

— American Family Insurance (@amfam) September 13, 2023

American Family and USAA stand out with military-specific discounts, catering to service members, while providers like Travelers and Safeco offer unique options such as accident forgiveness.

Whether you’re insuring a cherished antique or a modern classic, these discounts can make a significant difference in keeping your premiums manageable.

Get the Best Value on Classic Car Insurancee

American Family, Safeco, and Nationwide are the best car insurance companies for classic cars, offering comprehensive insurance coverage with rates starting as low as $39 per month.

Whether you prioritize restoration coverage, bundling discounts, or affordability, these providers are equipped to meet the diverse needs of classic car owners.

Choosing the best insurance for your classic car comes down to balancing affordability, coverage options, and specialized features that cater to vintage vehicles.

By comparing rates and benefits, you can secure the classic auto insurance coverage that best fits your vehicle and lifestyle. Find the best comprehensive car insurance quotes by entering your ZIP code below into our free comparison tool today.

Frequently Asked Questions

What is the best company for classic car insurance?

American Family, Safeco, and Nationwide are often considered the top providers of classic car insurance, offering affordable rates and specialized coverage. Discover more on how to buy car insurance.

How much should I pay for classic car insurance?

For classic cars, you should expect to pay anywhere between $39 and $100 per month, depending on the level of coverage and the value of your vehicle.

Which category of classic car insurance is best?

For a classic car, full coverage or agreed-value insurance is the best option as it provides protection for both damages and liability, ensuring your vehicle is fully covered.

Is car insurance cheaper for older classic cars?

Yes, classic car premiums tend to be lower as insurers often offer specialized rates for vehicles that are driven less frequently and maintained in good condition.

What is the cheapest time to insure a classic car?

The cheapest time to insure a classic car is usually during off-peak driving seasons, as some insurers offer lower premiums for cars in storage. To find out more, explore our car insurance shopping guide.

What year of classic car is the cheapest to insure?

Older classic cars, typically over 25 years old, are often cheaper to insure due to lower risk factors and specific classic car insurance rates.

Which insurance is best for a 10-year-old classic car?

For a 10-year-old classic car, a combination of liability and comprehensive coverage is often the best choice to protect your vehicle.

Do I really need car insurance for my classic car?

Yes, even if your classic car is rarely driven, insurance is crucial to protect it from theft, damage, and liability.

Who typically has the cheapest classic car insurance?

USAA and Geico are the best and cheapest car insurance companies with the lowest rates for classic car insurance, with monthly premiums starting as low as $39.

Which fuel is better for older classic cars?

For classic cars, high-octane fuel is often recommended as it helps older engines run more efficiently and reduces engine wear.