Classic Car Insurance in Illinois

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In Illinois, cars are usually considered classic cars if they’re over 25 years old. You can get tailored coverage and save money on your vintage model by purchasing classic car insurance instead of a standard auto insurance policy. 
Classic cars typically need extra protection. Unlike a standard commuter car, classic cars usually don’t hit the road too often, and repairs on classic cars can be complicated and expensive. 
That’s why it’s important to go beyond standard coverage and get an insurance policy that will fit your classic car needs.
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 start looking for a new policy, here’s what you need to know about classic car insurance in Illinois.
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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 eligibility requirements for classic cars that they cover. Common requirements for classic cars include: 
  • Secure storage
  • Low mileage 
  • Historical preservation or restoration efforts

Illinois classic car insurance

In Illinois, you can register your vehicle with the Secretary of State as a vintage car if it is over 25 years old. 
A replica car is also eligible to be registered as a custom vehicle if it uses non-original parts but is based on an original design. Custom cars based on a pre-1948 model can be classified as street rods.
Minimum insurance coverage for classic cars in Illinois must include:

What impacts the cost of classic car insurance in Illinois?

Most of the time, classic car insurance policies are less expensive than regular car insurance coverage, but prices will vary depending on the types of coverage you purchase with your policy.
Here are some other factors that will affect your classic car insurance rate:
  • Car’s age
  • Car’s guaranteed value
  • Car’s mileage
  • 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
  • Lower rates 
  • Potential discounts on car club memberships
  • Higher coverage limits 
  • More flexible deductibles and mileage limits
  • Agents and claims adjusters who are 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 car’s make, model, and year, as well as your desired protection level.
Here are some common coverage options for classic cars:
ComprehensiveThis covers damage from unexpected events like severe weather, theft, and vandalism.
CollisionThis covers damages from an accident with another vehicle or stationary object.
Uninsured/underinsured motoristThis covers damages from an accident involving a driver who doesn’t have car insurance.
Agreed value coverageIf 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—standard car insurance policies would only cover you up to the car’s depreciated value.
Flexible mileageThis allows you to modify your policy based on how frequently you drive your classic car.
Roadside assistanceThis covers roadside emergency services like tire changes, towing, and lockout services.
Spare partsThis covers the cost of repairing or replacing spare parts for your classic car—even ones that are expensive or rare.

Finding affordable car insurance for your classic car

If you’re looking for affordable classic 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. 
“My policy covers two people and four cars: a truck, SUV, convertible, and muscle car. Jerry helped 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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