Collector Auto Insurance

Customized Classic Car Insurance Coverage for Your Vintage Automobile

If you're a proud owner of a vintage, antique, or collectible car, you need classic car insurance to protect your beloved investment. Whether it's a prime spot in your garage or an extra dab of polish on the wheels, your collector car deserves extra TLC.

GEICO knows that your collector car is more than just a car. That's why a classic car insurance policy is so much more than just a standard auto policy. Traditional insurance policies may not consider the unique issues that come up when a vehicle represents a significant financial investment, like when replacement parts are nearly impossible to find.

What does classic car insurance cover?

A classic car insurance policy provides many of the same coverages as a regular auto insurance policy. A classic car policy can provide liability coverages, uninsured and underinsured motorist coverage, and medical coverages like personal injury protection or medical payments coverage. You can also purchase towing and roadside assistance reimbursement.

The primary difference in a classic car insurance policy is the coverage it provides for your vehicle under collision and comprehensive coverages. These coverages will be based on the agreed value of your vehicle. This amount is an agreement between you, as the owner, and the insurer on the value of the vehicle the policy is written for. This amount usually considers industry guidelines and is generally reviewed upon policy renewal.

Up to $500 coverage for spare parts may also be available. You can add additional spare part coverage for additional premium.

What makes a car a classic?

Your vehicle is your pride and joy, but what exactly makes it a classic in insurance terms? Typically, they're vehicles that hold or appreciate in value and are used primarily for pleasure, versus getting you from point A to point B. They're considered collectable because there's enough historical interest to make these beauties worth preserving and restoring.

Does your vehicle qualify for classic car insurance?

To qualify, your collector vehicle should be:

  • At least 25 model years older
  • A new exotic car, such as an Aston Martin, Lotus, Alfa Romeo, etc.
  • A new replica car, like a 1966 Batmobile
  • A classic military vehicle, hearse, fire truck, etc.

Additionally, your vehicle must be:

  • Used only for exhibitions, club activities, and occasional pleasure/leisure (not primary transportation)
  • Stored in a fully enclosed and locked structure

Why should I consider collector car insurance?

  • Low deductibles
  • Your vehicle is covered at agreed value, meaning no depreciation if there's a claim
  • No vehicle appraisal needed

Customers have trusted GEICO to protect their vehicles since 1936—the same year the Rolls-Royce Phantom III made its debut. We'll help you customize your collector auto insurance policy based on your year, make, and model.

Protect your classic car with coverage you can trust.

We've partnered with American Modern Insurance Group or Assurant* to offer insurance policies specially designed for classic car lovers like you. Call (866) 344-2527 to get your fast, free quote today. Because just like wine, your car only gets finer with time. We also have convenient payment options and policy service at your fingertips.

Need to speak with us about collector car insurance?

You can reach Assurant at (866) 344-2527.

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Collector Auto Insurance: Get the answers you're looking for.

  • Is classic car insurance different than regular auto insurance?

    Traditional insurance policies are great at getting your daily driver back on the road should something unfortunate happen. But they're not always the best at sorting out some of the unique issues that come into play with classic car insurance. For example, when parts are literally impossible to find or the vehicle represents a substantial financial investment.
  • How can I manage my collector auto policy?

    Once you've gotten your pride and joy insured, you'll be able to call (866) 344-2527 (Mon – Fri 8:00 AM – 8:00 PM ET) for top-notch service on your Assurant policy. If your policy is with American Modern Insurance Group®, you can manage your collector auto policy online or call (866) 760-4166 (Mon – Fri 8:00 AM – 9:00 PM ET).
  • How old does a car have to be to qualify for a classic car insurance policy?

    A vehicle is usually considered an antique car eligible for a collector car insurance policy if it is 25 or more model years old. But, other types of vehicles may qualify for a collector car insurance policy. If you have a unique, rare, or limited production vehicle or maybe a modified vehicle we can help you find the right coverage. Call (866) 344-2527 to speak to an agent today.
  • How frequently can a vehicle be driven and still quality for a collector car policy?

    Generally a vehicle cannot be used for business, or daily transportation. Some states also have miles driven per year maximums. Call (866) 344-2527 to talk to an agent about your vehicle today.
  • What are the storage requirements for a classic car?

    To qualify for coverage under a collector auto policy your vehicle must be in storage when not in use. Eligible storage facilities include a private and enclosed garage or a rental or storage garaging unit.
  • Does classic car insurance provide coverage in the event of a theft?

    A classic car insurance policy would provide coverage for a theft under comprehensive coverage. You should make sure you are familiar with and following all the terms and conditions of the policy contract. All claims are subject to investigation.

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.

Program features and availability vary by state.  Please contact the underwriter for additional information.

Collector auto insurance is written through American Modern Insurance Group or Assurant* and is secured through the GEICO Insurance Agency Inc. The information you provide will be shared with our business partners so that they can return a quote.

*Coverage underwritten by American Bankers Insurance Company of Florida in all states except MN, where coverage is underwritten by American Security Insurance Company, both Assurant companies. These companies operate under the trade name Assurant.