Classic Car Insurance in Connecticut

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Connecticut requires classic cars over 20 years old to wear a Classic Vehicle license plate and be covered with bodily injury liability, property damage liability, and uninsured motorist coverage.
You’ll need to purchase a separate type of insurance for your classic or antique car than the car you use to drive to work every day. 
After all, classic cars are special and require special care: you can’t drive them as frequently, replacement parts can be harder to find, and the vehicle is probably worth more than your average car. 
Car insurance shopping app and licensed broker Jerry helps users save hundreds on their premiums each year. Whether you’re insuring a new or old vehicle, luxury or economy, Jerry has you covered. Here’s what you need to know about classic car insurance in Connecticut.

What is classic car insurance?

Classic car insurance includes many of the same coverages as coverage for a “regular” car—such as liability insurance and personal injury protection—but tailored to the needs of classic or antique cars. 
Usually, insurers stipulate mileage caps and maintenance requirements when issuing a classic car insurance policy.

What is a classic or antique car?

Insurers break down old collectible vehicles into “classic cars” and “antique cars.”
  •  A classic car is a vehicle that is 10 to 24 years old that has historic interest, like a hot rod or muscle car 
  •  An antique car is a classic car that is 25 or more years old

What makes classic car insurance different?

Here are some of the key benefits to getting classic car insurance:
  • Lower rates than standard car insurance (often anywhere from 40% to 70% less)
  • Higher coverage limits (often up to $500,000)
  • Flexible deductibles and annual mileage limits
  • Guaranteed or agreed value coverage
  • Plenty of optional add-ons, including towing with flatbed trucks and coverage for spare parts and memorabilia
  • Discounts for additional security features, such as alarms, VIN etching, and GPS tracking
  • Claims handling from fellow car enthusiasts
  • Potential discounts on collector car club memberships
The price for classic car insurance will vary depending on your vehicle. Since classic and antique cars each have unique stories and features, there is no set “book value” for a specific make and model.
This lack of a set price requires the driver and insurer to reach an agreement on the value of the car that the policy will cover. As some classic cars appreciate over time, you may need to re-negotiate your policy periodically.

Connecticut classic car insurance

In Connecticut, classic cars are cars over 20 years old (per model year) with a Classic Vehicle vanity plate. You can obtain a vanity plate by turning in your old plate at a DMV Hub or Limited Services office and exchanging it for a Classic Vehicle plate. 
In Connecticut, the minimum coverage required for a classic car is as follows:
If you forego this coverage, you must provide alternative proof of financial responsibility. This can include things like a real estate bond or self insurance. You must be able to prove to the state that you do and will continue to have a financial means to pay for claims regarding damage caused by your vehicle.

What impacts the cost of classic car insurance in Connecticut?

Classic car insurance is usually less expensive than a regular auto insurance policy, but the types of coverage you need can influence your rates significantly.
Other factors that can impact your classic car insurance rate include:
  • The model year of the car
  • The stated or guaranteed value
  • How many miles are on the car
  • Policy customization: roadside assistance, spare parts coverage, etc.
  • Your driving record

Benefits of classic car insurance

Classic car insurance will give you greater financial protection and peace of mind when it comes to your cherished vehicle. Regular car insurance is not sufficient to protect a classic car against damage or loss.
Additionally, classic cars whose current value exceeds the original selling price might qualify for specialized classic car insurance with collectible status.
Here are some of the benefits of getting classic car insurance:
  • Rates 40% to 70% less than for standard car insurance
  • Access to higher coverage limits (often up to $500,000)
  • Flexible annual mileage limits
  • Claims handling from fellow car enthusiasts
  • Flexible deductible options
  • Guaranteed or agreed value coverage
  • Optional coverage for spare parts and memorabilia
  • Roadside assistance using only flatbed tow trucks
  • Discounts for additional security features (like alarms, VIN etching, and GPS tracking)
  • Potential discounts on approved collector car club memberships

Do I need classic car insurance?

If you have any of the following, you likely need specialty coverage:
  • Antique & classic cars
  • Vintage boats
  • Modern collector vehicles
  •  Modified vehicles
  • Classic trucks and utility vehicles
  • Motorsports vehicles
  • Vintage motorcycles and scooters
  • Retired commercial vehicles
  • Collector trailers
  • Vehicles under construction
  • Classic military vehicles
  • Antique tractors

Coverage options for classic car insurance

Beyond the state-mandated liability and uninsured motorist coverage, you will want to purchase additional coverage options to protect your car in a variety of situations. 
Depending on the type of car and what you need to keep it protected, you might consider some of the following common coverages for classic cars:
ComprehensiveCovers damage that isn’t the result of a collision, such as from severe weather or vandalism.
CollisionCovers damages resulting from a collision with another vehicle or stationary object.
Uninsured/underinsured motoristCovers damages if you’re involved in an accident with a driver who doesn’t have auto insurance.
Agreed value coverageIf you’re in a covered accident and your classic car is a total loss, you’ll receive the full agreed-upon value (minus your deductible) without any deduction for depreciation.
Flexible mileageTired mileage plans give you flexibility to customize your policy based on how much you actually drive your classic car.
Roadside assistanceCoverage for tire changes, towing, and other incidental expenses that aren’t part of a typical auto insurance policy.
Spare partsAdd coverage for loss or damages to classic spare parts—even ones that are expensive or hard to find.

Finding cheap car insurance for your classic car

Your classic car may be the epitome of nostalgia, but purchasing insurance doesn’t have to take as long as it did decades ago. Download Jerry to compare car insurance quotes and switch policies on your mobile device—no long forms, phone calls, or agency visits needed.
Jerry’s stellar service has earned the app a 4.6/5 rating and the #1 spot for car insurance tech apps on the App Store. After all, the average Jerry user saves $879 a year on car insurance!
“When using Jerry, I was impressed at how their representative took care of my situation. He was so knowledgeable about my state’s insurance laws!” —Rabi B.

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