Revitalize Your Ride: Vintage Car Insurance Explained

vintage car insured by CIA with vintage car insurance

If you are a proud owner of a vintage car, you are aware of the time and effort you put into ensuring it remains in excellent condition. Meticulously maintaining and caring for every component preserves not only the car’s beauty but also its value. However, as time goes by, it becomes essential to think further ahead and protect your investment. Obtaining a vintage car insurance policy ensures peace of mind by safeguarding your car and the hard work you’ve invested in it, even in the event of an accident..

What is Vintage Car Insurance?

Tailored for unique, older vehicles like veteran, vintage, classic cars, hot rods, and muscle cars, vintage or classic car insurance provides specialized coverage. These policies provide coverage beyond what ordinary auto insurance policies offer, such as craftsmanship repairs, spare parts, and, in some cases, value protection.

How Much Does Vintage Car Insurance Cost?

Vintage car insurance is typically cheaper than ordinary car insurance. The average cost of a vintage car insurance policy in the United States is around $615 per year. However, it depends on various factors such as the car’s condition, mileage, age, make, and model. With the right policy and coverage, you can ensure the long-term protection of your vehicle.

Benefits of Vintage Car Insurance

  • Coverage for damages: Vintage car insurance policies can cover the cost of repairs in case of damages caused due to accidents or theft.
  • Guaranteed value coverage: Some policies provide guaranteed value coverage that pays out the vehicle’s agreed-upon value at the time of policy purchase in case of a total loss.
  • Lower deductibles: Classic car insurance usually has lower deductible amounts than ordinary car insurance.
  • No mileage limitations: Another advantage of vintage car insurance is that there are no mileage limitations. This allows you to enjoy the full experience of owning a vintage car.
  • Discounts: Many insurance companies offer discounts for vintage cars for low mileage, excellent driving records, and installing safety devices.

Differences Between Vintage Car and Regular Car Insurance

  • Age of the car: Vintage car insurance is specifically for older vehicles, typically over 25 years old.
  • Usage: You cannot use a vintage car as a primary vehicle. They are often considered as collectors’ items and not driven daily.
  • Coverage: Vintage car insurance provides coverage for the car’s agreed-upon value. Traditional car insurance typically covers only the actual cash value of the car.

Get the Right Coverage For Your Vehicle

It is advisable to shop around and get quotes from different insurance providers. Make sure that you are getting the coverage that fits your needs and the right value for your car’s model, make, and age.

Obtaining vintage car insurance is straightforward, and often decisions can be made instantly. However, the majority of insurers require the car to have been maintained at a specific level, depending on the car’s make and model.


If you are a proud owner of a vintage car, you undoubtedly understand the value and hard work put into it. However, it is wise to ensure your car’s protection with specialized vintage car insurance.. The peace of mind that comes with knowing that your classic car is protected is priceless. Our team at Commercial Insurance Agency would be happy to assist you in finding the perfect policy for your vintage car. Contact us today for more information or a free quote.


Here is a full list of our providers.

Bremen CIA offers a full range of providers all across the country available to you. 

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