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- What is classic car insurance?
- Kansas classic car insurance
- What impacts the cost of classic car insurance in Kansas?
- Benefits of classic car insurance
- Coverage options for classic car insurance
- Finding affordable car insurance for your classic car
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In Kansas, cars are considered “classic” if they’re over 35 model years old, have not been modified or altered from the manufacturer’s original model (except for safety reasons), are titled in Kansas, and have an antique plate. In Kansas, classic car insurance must include liability insurance and uninsured motorist coverage.
Insuring your classic car is a bit different than insuring your everyday vehicle. You don’t drive a classic car as often, replacement parts can be harder to locate, and it’s probably worth more money than the average automobile—so you’ll need specialty car insurance coverage.
The insurance comparison shopping and broker app Jerry is breaking down everything you need to know about classic car insurance in Kansas to help you best protect your classic car.
What is classic car insurance?
Classic car insurance is tailored to provide coverage specifically for classic or antique vehicles. Although classic car insurance has many of the same coverages as a regular car insurance policy, it does come with extra limitations, such as maintenance requirements, and mileage limits.
What is a classic or antique car?
Typically, a classic car is 10 to 24 years old and has historic interest, like a muscle car or vintage sports car.
An antique car is 25 years or older and has historic interest. For insurance purposes, any classic car that is more than 25 years old is considered an antique.
What makes classic car insurance different?
One of the key differences is the value of the car. There is no predetermined “book value” for classic cars since each one is unique in its own way.
You’ll have to come to an agreement with your insurer about your own classic car’s value. This will be specified and written into your policy agreement. Your car will be covered up to that agreed-upon value without depreciation.
There are a few other things that separate classic car insurance from the insurance you buy for your everyday car:
- Price: Classic car coverage is usually cheaper than a standard car insurance policy.
- Limited use: Classic cars have a mileage cap and can only be used for occasional pleasure driving, exhibitions, shows, club activities, parades, and other similar activities.
- Storage: Classic cars must be stored safely and securely, preferably in a locked garage.
- Condition: The car must be restored, maintained, and preserved in its original condition (or be undergoing restoration).
MORE: Classic car coverage
Kansas classic car insurance
To qualify for classic car insurance in Kansas, your car must meet the following criteria:
- Be at least 35 model years old
- Must have a Kansas title and antique plate
To register a car from 1949 or earlier in Kansas as a classic, you must do the following:
- With a Kansas title or bill of sale, take the vehicle to your local treasurer’s office motor vehicle department for registration
- For a vehicle with an out-of-state title, you’ll need to bring the vehicle to the Kansas Highway Patrol for a VIN inspection; then, take the VIN Inspection Report and out-of-state title to your local treasurer’s office motor vehicle department and registration will be issued
To register a classic car from 1950 or later, do the following:
- With a Kansas title or bill of sale, take the vehicle to the local treasurer’s office motor vehicle department to get the car registered
- With an out-of-state title, take the vehicle to the Kansas Highway Patrol for a VIN inspection; take the VIN Inspection Report and ownership document to your the local treasurer’s office motor vehicle department to register the car
You’ll have to pay the following fees in Kansas for your classic car:
- $10 for the title only
- $59.50 (before taxes) if paying for title ($10) and registration ($40), plus county service fee ($5), modernization fee ($4), reflectorized plate fee ($0.50)
- Registration is a one-time fee
Kansas taxes on classic cars
Like regular vehicles, antiques are taxed annually. They are taxed $17 ($12 flat tax rate along with $5 county registration fee). You can pay the bill at the end of the calendar year, or whenever you are registering a vehicle.
In Kansas, the minimum coverage required for a classic car is as follows:
- Bodily injury liability coverage: $25,000 per person / $50,000 per accident
- Property damage liability coverage: $25,000
- Uninsured motorist bodily injury coverage: $25,000 per person / $50,000 per accident
What impacts the cost of classic car insurance in Kansas?
As a rule of thumb, classic car insurance is usually less expensive than a regular car insurance policy. The price will vary, though, depending on what kind of coverage you need.
Here are some other things that may impact your classic car insurance premium:
- Model year
- Stated or guaranteed value—more expensive cars cost more to insure
- Mileage—the more you drive, the higher your premium will be
- Customization—flatbed towing, roadside assistance, and spare parts coverage will increase your premium
- Your driving record—many companies will only offer classic car insurance to drivers with clean records
Benefits of classic car insurance
Regular car insurance won’t protect a classic or antique car against loss or damage. If the value of your car exceeds its original selling price, it may be deemed a collectible and you may need to buy specialized classic car insurance.
Here are some of the main benefits to buying classic car insurance:
- Lower rates than regular car insurance (often anywhere from 40% to 70% less)
- Higher coverage limits (often up to $500,000)
- Flexible deductibles and annual mileage caps
- Guaranteed or agreed value coverage
- Lots of optional add-ons, such as towing with flatbed trucks and coverage for memorabilia, spare parts, etc.
- Discounts for additional security features, such as GPS tracking, VIN etching, and alarms
- Claims handling from fellow car enthusiasts
- Potential discounts on collector car club memberships
Do I need classic car insurance?
If you are the owner of any of the following vehicles, you’ll more than likely require specialty insurance coverage:
- Antique & classic cars
- Vintage boats
- Modified vehicles
- Modern collector vehicles
- Classic trucks and utility vehicles
- Motorsports vehicles
- Retired commercial vehicles
- Vintage motorcycles and scooters
- Vehicles under construction
- Classic military vehicles
- Antique tractors
- Collector trailers
Coverage options for classic car insurance
Your classic car insurance package will vary based on the type of car you have and what you need to protect that vehicle.
Here are some common coverages for classic cars:
|Comprehensive||Covers damage that isn’t the result of an accident, such as from extreme weather or theft.|
|Collision||Covers damages resulting from a collision with another vehicle or fixed object.|
|Uninsured/underinsured motorist||Covers damages if you’re involved in an accident with a driver who doesn’t have auto insurance or enough insurance coverage.|
|Agreed value coverage||If you’re in a covered accident and your classic car is deemed unsalvageable, you’ll receive the full agreed-upon value (minus your deductible) without any deduction for depreciation.|
|Flexible mileage||Tiered mileage plans give you the option to customize your insurance plan based on how much you actually drive your classic car.|
|Roadside assistance||Coverage for towing, tire changes, battery jumpstarts, and other services that aren’t part of a typical auto insurance policy.|
|Spare parts||Add coverage for loss or damages to classic spare parts—even ones that are expensive or hard to find.|
Finding affordable car insurance for your classic car
If you’re searching for classic car insurance in Kansas at an affordable rate, use the insurance comparison and broker app Jerry. It’s the simplest, best way to find an insurance policy that is tailored to you.
After providing you with a comprehensive list of the best classic car insurance policies across insurance companies, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to!
Jerry works with 50+ top insurance carriers, such as Travelers and Progressive, to get you the best coverage for the most affordable price. The best part? The average Jerry driver saves nearly $900 on car insurance a year!
“This app is all about savings! Jerry just saved me $193/month on my car insurance. They literally found me the cheapest policies out there and with better coverage! Seriously, just sit back and watch Jerry work its magic.” —Rachel B.