2026 Calculator
Antique Car Insurance Calculator
Estimate your vintage vehicle coverage costs
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This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
How much does antique car insurance cost in 2026?
Antique car insurance costs $200-$600 per year on average, significantly less than standard auto insurance. Low rates reflect limited usage (1,000-2,500 miles/year), secure storage requirements, and agreed-value coverage.
What qualifies as an antique vehicle for insurance?
Most states and insurers define antique vehicles as 25+ years old, though some require 30+ years. The vehicle must be maintained in original or restored condition, used primarily for shows/exhibitions, and not as a daily driver.
Do I need a separate policy for my antique car?
Yes, antique cars require specialized policies from carriers like Hagerty, Grundy, or American Collectors. Standard auto insurance doesn't provide agreed-value coverage or understand collector vehicle values.