Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

Louisiana

, cars are considered “classic” if they’re more than 25 years old, are registered in the owner's name, and qualify to be eligible for antique plates under Louisiana law. If your vehicle qualifies, consider protecting it with a special classic car insurance policy.

Apply for antique plates to be eligible for classic car coverage.
Classic car insurance in Louisiana must include
liability coverage
.
This type of coverage is often cheaper than standard insurance—but there are limits.
Find a policy with the right mileage cap and spare parts coverage for your vehicle.

What is classic car insurance?

Classic car insurance

is designed to provide coverage specifically for classic or antique vehicles. While classic car insurance has many similar coverages to regular

car insurance

, it has further limitations, such as maintenance requirements and mileage caps.

Classic and antique cars are at least 10 years old and have historic interest

To fit in one of these categories, a vehicle must meet certain age and historic interest requirements.

Classic car: Typically, a classic car is 10 to 24 years old with historic interest, such as a vintage sports car or hot rod.

Antique car: An antique car is 25 years or older and has demonstrated historic interest. For insurance purposes, any classic car older than 25 years is considered an antique.

Classic car insurance doesn’t include a predetermined vehicle value

The car's value is the biggest difference between classic and average cars. There is no predetermined “book value” for a classic car since each one is unique in its own special way.

You’ll have to come to an agreement with your insurance carrier about your own classic or antique car’s value

This will be specified and written into your policy agreement

Your car will be covered up to that agreed-upon amount without depreciation

Some other key metrics differentiate classic car insurance from the insurance you buy for the car you use every day:

Price: Classic car coverage is often cheaper than a regular car insurance policy.

Limited use: Classic cars have a mileage limit and can only be used periodically for events such as exhibitions, car shows, club activities, parades, or the occasional pleasure drive.

Storage: Classic cars should be stored safely under lock and key.

Condition: The car must be restored, maintained, and preserved in its original condition (or be undergoing restoration).

Buying Louisiana classic car insurance

Eligibility: In the state of Louisiana, the following are the criteria you must meet for your vehicle to be eligible for antique license plates:

Age: Must be at least 25 model years old

Registration: Must have valid

Louisiana vehicle registration

in the name of the applicant

Type: Can be any private passenger car, van, truck, or motorhome weighing no more than 16,000 lbs

Application: If applying for Louisiana antique plates, these are the requirements:

Submit a Personalized License Plate Application along with a current, color photograph of the vehicle.

Submit a notarized affidavit attesting to the fact that the vehicle has not and will not be altered or modified from the original manufacturer’s model, and that it will be used only for purposes of exhibitions, parades, club activities, and for the public interest, as well as any necessary maintenance, testing, and storage purposes.

Include a photocopy of the applicant’s membership in an antique car club.

If the vehicle is not in the applicant’s name, include the relevant title and fees along with the plate request.

License plate transfer: If a classic car with Louisiana antique plates is sold, the antique plates can remain with the car under new owners. Antique plates can also be transferred to another antique or classic car in the applicant’s name, so long as the new vehicle is deemed eligible to carry antique plates.

Insurance:

Louisiana's required minimum coverage

required for classic vehicles is as follows:

Bodily injury liability

coverage: $15,000 per person / $30,000 per accident

Property damage liability

coverage: $25,000

What impacts the cost of classic car insurance in Louisiana?

For the most part, classic car insurance is usually cheaper than a standard car insurance policy. The price will vary, though, depending on what kind of coverage you need for your antique or classic car.

Here are some other things that may impact your classic car insurance rates:

Model year

Stated or guaranteed value—pricier cars will be more expensive to insure

Mileage—the more you drive, the higher your premium will be

Customization—

roadside assistance

, flatbed towing, and spare parts coverage will increase your premium

Your

driving record

—many companies will only offer classic car insurance to drivers with clean records

MORE:

Why car insurance is so expensive, explained

Benefits of classic car insurance

Protection: Unfortunately, regular car insurance won’t protect a classic or antique vehicle against loss or damage. If the value of your car exceeds its original selling price, it may be deemed a collectible—you may need to buy specialized collector car insurance.

Here are some of the main benefits of buying classic car insurance:

Rates: Lower rates than regular car insurance (often anywhere from 40% to 70% less)

Limits: Higher coverage limits (often up to $500,000)

Flexible:

Negotiable deductibles

and yearly mileage caps

Coverage: Guaranteed or agreed-value coverage

Optional add-ons: Towing with flatbed trucks and coverage for memorabilia, spare parts, etc.

Discounts on insurance: Additional security features, such as GPS tracking, VIN etching, and alarms

Claims handling: Handled by fellow car enthusiasts

Additional discounts: Collector car club memberships

Do I need classic car insurance?

If you own any of the following, you’ll most likely need to buy specialty insurance coverage:

Antique & classic cars

Vintage boats

Modern collector vehicles

Modified

vehicles

Classic trucks and utility vehicles

Retired commercial vehicles

Motorsports vehicles

Vintage motorcycles and scooters

Vehicles under construction

Antique tractors

Collector trailers

Classic military vehicles

Coverage options for classic car insurance

Your classic car insurance package ultimately depends on what type of car you have and what you need to protect that vehicle.

Here are some of the most common coverages for classic car owners:

Coverage	Description
Comprehensive	Covers damage that isn’t the result of an accident, such as from extreme weather events, vandalism, or theft.
Collision	Covers damages resulting from an accident 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 any auto insurance or enough insurance coverage.
Agreed value coverage	If you’re in a covered accident and your classic car is deemed a total loss you’ll receive the full agreed-upon value (minus your deductible) without any depreciation deduction.
Flexible mileage	Tiered mileage plans give you the option to tailor 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 classic auto insurance

If you’re on the lookout for affordable classic car insurance in Louisiana, use

Jerry

, the internet’s best car insurance broker and comparison shopping app. It’s the easiest way to find a car insurance policy that is designed specifically for your insurance needs.

After providing you with a thorough list of the best classic car insurance policies across insurers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to lift a finger. Review auto insurance quotes, pick an insurance agency you like, and let Jerry do the rest.

“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.