Collector Auto Insurance

GEICO Classic Car Insurance Driven by Hagerty™

Coverage built for classic and collector cars

Get an antique car insurance quote today.

Start Quote

To speak with an agent directly, call (877) 885-2788.

Manage Your Classic Car Insurance Policy

You can manage your policy by contacting a GEICO Insurance specialist, who can help with payments, updates, and coverage questions. Call (877) 885-2788.

Specific servicing options may vary depending on your policy.

Need a collector auto insurance quote?

Existing policyholder?

Get Customized Classic Car Insurance for Your Vintage or Antique Automobile

You love your collector car—and you take good care of it. If something goes wrong, you want to know it’s protected for what it’s worth. That’s why we offer GEICO Classic Car Insurance Driven by Hagerty. It’s specifically built for collector cars and the way you use them. We’re not talking about your everyday car—we’re talking about your fun car; the one you save for Sunday afternoon cruises, car shows, and contests.

Your special car deserves special coverage. Classic car insurance is designed for vintage, antique, and collector vehicles, offering coverages that reflect how you actually use and value your car.

What does classic car insurance cover?

A classic car insurance policy provides many of the same core coverages as standard auto insurance—such as liability, uninsured motorist protection, and medical coverages, like personal injury protection or medical payments coverage.

Where it differs is how your vehicle is protected under collision and comprehensive coverages. These coverages are often based on an agreed or guaranteed value, rather than depreciation. This means your vehicle is insured for its true collectible value.

Additional coverage options may include:

  • Spare parts coverage
  • Towing and roadside assistance
  • Coverage for restoration-related needs

Why choose GEICO Classic Car Insurance Driven by Hagerty?

  • Protect your car for what it’s worth: With Guaranteed Value® from Hagerty, you set the value of your vehicle upfront, and in the event of a covered total loss, that’s what you’ll get paid—guaranteed.*
  • Keep your car’s value current: Collector cars often increase in value, rather than depreciate like daily drivers. That’s why with Hagerty, you can increase the insured value of your car as market prices rise to keep your favorite car fully protected.
  • Work with an experienced claims team: Hagerty claims adjusters and specialists understand collector cars and treat them with the same respect and care you would. No call-center scripts, just genuine car love, knowledge and experience.
  • Count on authentic repairs and parts: If your car needs repairs, Hagerty uses high-quality parts—including OEM, NOS, or custom components—when suitable and available.
  • Take advantage of lower premiums: You don’t use your collector car like a regular car, which is why Hagerty can protect it for less. With Classic Car Insurance Driven by Hagerty, drivers save 25%, on average, compared to daily driver insurance.**

What qualifies for specialty vehicle insurance?

Classic car insurance isn’t limited to older vehicles. Eligibility depends on factors like usage, condition, and collectibility.

Vehicles that may qualify include:

  • Vintage and classic cars
  • Muscle cars
  • Classic trucks and utility vehicles
  • Modern collector and enthusiast cars (from the ’80s and ’90s to today)
  • Collector motorcycles and scooters
  • Modified vehicles (hot rods, tuners and lowriders)
  • Antique tractors
  • Collector race cars
  • Classic military vehicles
  • Kits and replicas
  • Retired commercial vehicles
  • Vehicles under construction
  • Collector trailers

To qualify, most vehicles must also:

  • Be used for pleasure driving, exhibitions, or club activities
  • Not be used as a daily driver
  • Be stored in a secure, enclosed structure

Eligibility varies, so it’s best to speak with a specialist about your specific vehicle.

How to Save on Classic Car Insurance

Classic car insurance can often be more affordable than standard auto insurance because collector vehicles are typically driven less and stored more securely. You may be able to reduce your premium by:

  • Insuring multiple collector vehicles under one policy
  • Storing your vehicle in a secure, enclosed location
  • Maintaining a clean driving record
  • Selecting appropriate coverage limits and deductibles

Because coverage is based on how your vehicle is used, working with a specialist can help you find the right balance between protection and cost.

Get a Classic Car Insurance Quote

Protect your collector vehicle with coverage designed for how you actually use it. Through GEICO Insurance Agency and our partnership with Hagerty, you can get specialized protection tailored to classic and collector vehicles.

Call (877) 885-2788 to get your free quote today and explore coverage options designed for enthusiasts like you.

Get a Quote

FAQs about Classic Car Insurance coverage

  • What is collector car insurance?

    Collector car insurance is another term for classic car insurance. It refers to specialized coverage designed for vehicles that are not used daily and may hold or increase in value over time.

  • How do I know if my car is a classic?

    A car is typically considered “classic” based on a combination of its age, condition, and how it’s used—not just its model year. While many classic cars are at least 20–25 years old, newer vehicles can also qualify if they are rare, collectible, or hold special value. In general, a car may be considered classic if it:

    • Is well maintained or restored
    • Is not used as a daily driver
    • Has collectible, historical, or enthusiast value
    • Is driven primarily for pleasure, shows, or events

    Eligibility for classic car insurance can vary, so it’s a good idea to speak with a specialist to see if your vehicle qualifies.

  • What are the storage requirements for classic car insurance?

    To qualify for coverage, your vehicle should be stored in a secure location when not in use. This typically means storing the vehicle in a private enclosed garage, storage unit, or secured facility. Other storage arrangements may be considered depending on your situation, but secure storage is an important factor in eligibility.

  • What are the mileage limits for classic car insurance?

    With GEICO Classic Car Insurance Driven by Hagerty, there are no mileage limits. Hagerty understands that cars are meant to be driven, that’s why we encourage using your collector car for occasional pleasure drives or to take to car shows, and more.

  • What’s the difference between classic car insurance and standard insurance?

    Classic car insurance is designed for collector vehicles that aren’t used as daily drivers. Unlike standard auto insurance, which typically pays based on depreciated value, classic car insurance often uses Guaranteed Value® coverage—meaning you receive the full agreed-upon value of your vehicle in the event of a covered total loss. These policies are also tailored for limited use, secure storage, and vehicles that may increase in value over time.

  • Can I use my classic car as my primary vehicle?

    No. Classic car insurance is intended for vehicles that are not used as primary transportation. You’ll typically need a separate daily-use vehicle for commuting and regular driving.

  • Do I need to have my primary vehicle insured to qualify for classic car insurance?

    In most cases, yes. Classic car insurance generally requires that you have another vehicle insured for everyday use. However, requirements can vary by state, and exceptions may apply, so it’s best to check with a GEICO insurance specialist for applicable details.

  • Does classic car insurance cover theft?

    Yes. Classic car insurance may cover theft under comprehensive coverage, subject to your policy terms and conditions. This protection can help cover the loss of your vehicle if it is stolen.

  • How do I manage my classic car insurance policy?

    You can manage your policy by contacting a GEICO Insurance specialist, who can help with payments, updates, and coverage questions. Specific servicing options may vary depending on your policy.

*Less any deductible and/or salvage value, if retained by you. Guaranteed Value includes all taxes and fees unless prohibited by state law.

**Figure based upon 2025 consumer data collected by Hagerty on single car quotes, with premiums $5000 and under, from several daily driver (or "Everyday") auto insurance carriers.

Collector auto insurance is secured through the GEICO Insurance Agency LLC in partnership with Hagerty. The information you provide will be shared with our business partners so that they can return a quote.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.