Classic Car Insurance in Hawaii
In Hawaii, classic car insurance must include liability coverage, personal injury protection, and uninsured motorist coverage.
Written by Georgina Grant
Reviewed by Carrie Adkins
In
Hawaii
, vehicles are usually considered classic cars if they were manufactured before 1968 or custom-built to replicate a pre-1968 model. You can get personalized coverage and save money on your vintage model by purchasing classic car insurance instead of a standard auto insurance policy.Classic and antique cars usually need more protection than your run-of-the-mill car. You probably don’t drive your classic car as often, and replacement parts can be expensive and difficult to find.
That’s why it’s important to get specialty coverage for your classic car.
If you’re trying to find classic
car insurance
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What is classic car insurance?
Classic car insurance will give you a lot of the same coverages available on a standard 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 to be older cars with some kind of historical significance.
In the insurance world, the age of the car usually determines the difference between a classic car and an antique. For example, State Farm classifies classic cars as being between 10 and 24 years old and antique cars as being over 24 years old.
Some insurance companies may classify your classic car as a collector car, making it eligible for separate coverage.
What makes classic car insurance different?
Classic car insurance is typically less expensive than regular car insurance and offers you options that are tailored to your specific make, model, and year. Because each car is unique, there is no set rate for your classic car insurance. You will need to agree upon the car’s value and insurance price with your provider.
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
MORE:
Classic car coverage
Hawaii classic car insurance
To qualify for classic car insurance in Hawaii, your car must be one of the following:
- Produced before 1968
- Custom-built to replicate a car model that was produced before 1968
Minimum insurance coverage for classic cars in Hawaii must include:
- $40,000 of bodily injury liability per accident
- $40,000 of uninsured/underinsured motorist coverage per accident
What impacts the cost of classic car insurance in Hawaii?
Classic car insurance policies are typically less expensive than standard auto insurance policies, but prices will vary depending on the type of coverage you need.
Here are some factors that will affect your classic car insurance rate:
- 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
Here are some of the reasons that classic car insurance can be more beneficial than standard car insurance:
- Higher level of protection if your car gets damaged or stolen
- Rates tend to be between 40% and 70% lower
- Might be able to secure discounts on car club memberships
- Higher coverage limits
- More flexible deductibles and mileage limits
- Agents and claims adjusters will be more knowledgeable about issues specific to classic cars
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 options will depend on your specific make and model, as well as your desired protection level.
Here are some common coverage options for classic cars:
Coverage | Description |
|---|---|
This covers damage from unexpected events like severe weather, theft, and vandalism. | |
This covers damages from an accident with another vehicle or stationary object. | |
This covers damages from an accident involving a driver who doesn’t have car insurance. | |
Agreed value coverage | If you get in an accident and your classic car is totaled, this will pay the agreed value of your car (minus the deductible), which was decided when you purchased the insurance policy. |
Flexible mileage | This allows you to adjust your policy based on how frequently you drive your classic car. |
This covers tire changes, towing, and other roadside emergency expenses that aren’t part of a typical policy. | |
Spare parts | This covers the cost of repairing or replacing spare parts for your classic car—even ones that are expensive or hard to find. |
Finding affordable car insurance for your classic car
The insurance comparison and broker app
Jerry
can help you find an affordable rate on a customized policy for your classic car. Jerry works with 50+ top insurance providers to give you competitive quotes, get you signed up for a new policy, and even help you cancel your old one.
Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to!
The best part? The average Jerry driver saves $879 on car insurance every year!
“My policy covers two people and four cars: a truck, SUV, convertible, and muscle car.Jerryhelped me go from paying $308 a month to $125 a month with the same coverage. I’m loving the savings.” ––Jocelyn A.
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