Classic Car Insurance in Georgia

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In Georgia, cars are usually considered classic cars if they’re over 25 years old. You can get customized coverage and save money on your vintage model by purchasing classic car insurance instead of a standard auto insurance policy.
Classic cars need more protection than your everyday, commute-to-work car. You probably don’t drive your classic car as often, and replacement parts can be difficult to find. Additionally, it’s most likely more expensive than your average vehicle.
That’s why it’s important to get specialty coverage for your special ride.
If you’re trying to find classic car insurance, the Jerry app is a great place to start. Jerry will send you cheap quotes from 50+ top insurance companies, get you signed up for a better policy, and even help you cancel your old policy.
But before you save money on a new policy, here’s what you need to know about classic car insurance in Georgia.
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What is classic car insurance?

Classic car insurance will give you a lot of the same coverages that are available on a regular auto insurance policy, but this protection is specifically geared towards classic or antique cars.

What is a classic or antique car?

Classic and antique cars are generally considered older cars that have some kind of historical interest.
In the insurance world, the age of the car usually determines the difference between a classic car and an antique:
  • A classic car is typically defined as being between 10 and 24 years old 
  • An antique car is typically defined as being at least 25 years old 

What makes classic car insurance different?

Classic car insurance is usually less expensive than regular car insurance and offers customization options for your specific make and model. Because each car is unique, there is no set rate for your insurance. The car’s value and insurance price will be negotiated with the insurer. 
Many classic car insurance policies also have specific requirements for classic or antique cars that they cover, like: 
  • The car must be stored in a secure location
  • The car cannot be frequently driven 
  • The car must be preserved in its original condition or be actively undergoing restoration
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Georgia classic car insurance

In Georgia, your vehicle would be considered a classic if it’s at least 25 model years old. Your specific insurance company may have additional eligibility requirements.
You need to register your classic car with the local county tag office, and you will be eligible to register for an authentic historical license plate from the Georgia Department of Revenue if your car was produced before 1990.
Additionally, you need a title on your car if it was built after 1961.
In Georgia, the minimum coverage required for a classic car is as follows:

What impacts the cost of classic car insurance in Georgia?

Classic car insurance is usually less expensive than your typical auto insurance policy, although the types of coverage you choose will make a big difference in determining your overall cost.
Some other factors that will impact the rates on your classic car insurance are:
  • Model year
  • Stated or guaranteed value (higher values usually correlate to higher insurance prices) 
  • Mileage (higher mileage usually correlates to higher insurance prices)
  • Customization
  • Your driving record

Benefits of classic car insurance

Classic or antique cars usually need more protection than a standard car insurance policy can provide in the event that your car gets damaged or stolen.
If your car has a higher value than its original selling price, it might be considered a collectible car, and it might qualify for specialized classic car insurance, as a result.
Some of the benefits of investing in classic car insurance are:
  • Your rates tend to be 40% to 70% lower than regular car insurance
  • You can get higher coverage limits
  • Your deductible options will be flexible
  • Your claims will be handled by car enthusiasts
  • You can get discounts on certain 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

Your insurance coverage on your classic car will depend on your specific make and model, as well as the protection you’d like to have.
Here are some common coverages for classic cars:
CoverageDescription
ComprehensiveCovers damage that isn’t the result of a collision, such as from severe weather, theft, or vandalism.
CollisionCovers damages resulting from an accident with another vehicle or stationary object.
Uninsured/underinsured motoristCovers damages if you’re involved in an accident and the other driver doesn’t have car 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), so you don’t have to worry about depreciation rates.
Flexible mileageAllows you to customize your policy based on how often you drive your classic car.
Roadside assistanceCoverage for tire changes, towing, and other unexpected expenses that aren’t part of a typical policy.
Spare partsCovers the cost of fixing or replacing classic spare parts—even ones that are expensive or hard to find.

Finding cheap car insurance for your classic car

If you’re shopping for car insurance, Jerry will generate competitive quotes from top providers in less than a minute. Jerry gathers your information from your past insurer, so you're not responsible for any long forms or phone calls. Basically, you get all of the savings and coverage, with none of the hassles. 
Jerry is a great product with great customer service! The quote comparison found me lots of options being in Georgia.” ––Gregory K.
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