Classic Car Insurance in New Hampshire

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Classic cars in New Hampshire are required to be covered with bodily injury liability and property damage liability coverage.
If you own a classic car, you know that it requires a little extra effort to keep this kind of vehicle in mint condition. Classic cars are driven fewer miles, their replacement parts can be harder to find, and they are likely worth more than the average car today.
For these reasons, many insurers offer specialty coverage for classic and antique vehicles that differs from your standard auto insurance policy.
If you’re looking for protection for your classic car in New Hampshire, Jerry can help. A licensed car insurance shopping app and broker, Jerry makes it easy as can be to compare insurance quotes and switch policies—no long forms or phone calls needed!
Here, Jerry has compiled everything you need to know about insuring a classic car in New Hampshire.

What is classic car insurance?

Classic car insurance includes many of the same coverage options as for normal cars, but specifics vary to meet the needs of vintage vehicles. Often, classic car insurance policies come with stipulations not to drive the car above a certain number of miles or to bring it in for maintenance on a particular schedule.

What is a classic or antique car?

A classic car is a 10-to-24-year-old vehicle with decided historical interest, like a hot rod or muscle car.
An antique car is a classic car that is 25 years old (based on the model year) or older.
These distinctions are mainly used by insurers when creating individual policies.

What makes classic car insurance different?

In general, classic car insurance is less expensive than regular auto insurance for several reasons.
First, most policies include a limited use provision (or mileage cap): you can only use the vehicle for infrequent pleasure driving and shows, exhibitions, club activities, parades, and the like if you want protection. (The fewer miles your vehicle drives, the less likely you are to file a claim.)
The insurer will also require your car to be stored securely indoors and restored to/maintained in its original condition (or undergoing restoration).
Classic car insurance policies also have more customization options than a normal policy, since historic vehicles each have unique backgrounds and needs. However, there is no set “book value” for classic makes and models, so you’ll need to negotiate with the insurer to agree upon a car value first.
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New Hampshire classic car insurance 

In New Hampshire, vehicles 25 years and older can be eligible for classic car coverage. Classic vehicles are required to carry the following amounts of coverage:
Any vehicle (car or truck) over 25 years old can receive an antique or antique vanity license plate if it’s used exclusively for exhibitions, club activities, parades, and other scheduled events.

What impacts the cost of classic car insurance in New Hampshire?

Classic car insurance is usually cheaper than insurance for your regular car. Still, the coverage options you choose can change your monthly rates.
Other factors that can impact your classic car insurance rate include:
  • Model year
  • Stated or guaranteed value
  • Mileage
  • Customization—if you include things like flatbed towing, roadside assistance, spare parts coverage, etc.
  • Your driving record

Benefits of classic car insurance

Provided that you use your historic car for the limited functions insurers require, classic car insurance is the best way to protect your classic or antique vehicle against damage or loss.
Some cars might be eligible for specialized classic car insurance if their current value exceeds their original selling price, making them collectibles.
Here are some of the benefits of getting classic car insurance:
  • Rates 40% to 70% lower than standard car insurance
  • Higher coverage limits (often up to $500,000)
  • Flexible annual mileage limits
  • Claims handling from fellow car enthusiasts
  • Flexible deductible options
  • Guaranteed or agreed value coverage
  • Optional coverage for spare parts and memorabilia
  • Roadside assistance using only flatbed tow trucks
  • Discounts for additional security features (like alarms, VIN etching, and GPS tracking)
  • Potential discounts on approved collector 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 coverage will depend on the type of car you have and what you need to protect it.
Here are some common coverages for classic cars:
CoverageDescription
ComprehensiveCovers damage that isn’t the result of a collision, such as from severe weather or vandalism.
CollisionCovers damages resulting from a collision with another vehicle or stationary object.
Uninsured/underinsured motoristCovers damages if you’re involved in an accident with a driver who doesn’t have auto 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) without any deduction for depreciation.
Flexible mileageTired mileage plans give you flexibility to customize your policy based on how much you actually drive your classic car.
Roadside assistanceCoverage for tire changes, towing, and other incidental expenses that aren’t part of a typical auto insurance policy.
Spare partsAdd coverage for loss or damages to classic spare parts—even ones that are expensive or hard to find.

Finding cheap car insurance for your classic car

Jerry makes finding insurance for your cherished classic car effortless. Sign-up only takes 45 seconds, and you could have a new policy in the time it takes to walk your dog!
After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the cancelation and paperwork for your new top pick so that you don’t have to.
The best part? The average Jerry user saves $879 a year on car insurance payments.
“After I bought my new car, the insurance companies tried charging me $315/month. Jerry, on the other hand, found me full coverage for only $220/month. Thank you!” ––Mari E.
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