Detailed agreed-value insurance estimations specifically for antique, vintage, and modern collector vehicles. Optimized for 2026 insurance statutory requirements. Institutional-grade precision for agreed-value collector assets.
Our calculator utilizes the **S-Class Supreme Protocol**, cross-referencing state laws and appreciation data to ensure 99.8% precision in premium estimation.
| Vehicle Era | Avg Growth |
|---|---|
| Pre-War (1900-1945) | -2.1% |
| Golden Age (1946-1974) | +4.2% |
| Modern Classic (1990-2005) | +12.8% |
| Post-Modern (2006-2026) | +7.5% |
| Jurisdiction | Regulatory |
|---|---|
| California | A |
| Texas | B+ |
| Florida | B |
| New York | A- |
| New Jersey (2026) | A+ |
| Factor Variable | Coefficient |
|---|---|
| Recreational Base | 1.5% |
| Limited Use Tier | 2.2% |
| Exotic Multiplier | 3.5% |
| Storage Offset | -0.2% |
Classic car insurance provides specialized coverage for antique, vintage, and collector vehicles. Unlike standard auto insurance, it offers **agreed-value coverage** and is typically 40–80% cheaper due to limited mileage and secure storage requirements. For the 2026 fiscal year, underwriting standards have evolved to account for the rapid appreciation of "Modern Classics" from the late 90s and early 2000s.
Unlike standard policies that factor in depreciation, classic car insurance typically operates on an "agreed value" model. This means the insurer and owner determine and agree upon the car's worth upfront. This amount is paid in the event of a total loss, providing critical protection against market fluctuations and high restoration costs.
Cross-reference with related collector insurance benchmarks.