Classic Car Insurance in New York

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The state of New York requires classic cars 25 years old and older to be covered with bodily injury liability and property damage liability coverage, at a minimum. 
Whether it’s a Chrysler, Aston Martin, or Oldsmobile, your classic car likely comes with years of irreplaceable memories, not to mention a need for regular maintenance and expenses for hard-to-find parts. 
Insuring a classic car is different from finding coverage for your commute-to-work car. Why should it be the same? You don’t drive classic cars as often and they’re probably worth more than the newer vehicles in your garage, making specialty coverage a must.
If you’re looking for classic car insurance, be sure to check out Jerry to compare quotes from the nation’s top providers and find a competitive rate. 
Here, Jerry has compiled everything you need to know about insuring a classic car in New York.  

What is classic car insurance?

Classic car insurance gives you access to many coverage options you’re familiar with, like comprehensive coverage and personal injury protection, as well as ones unique to the needs of older vehicles, like spare parts coverage or flexible mileage coverage.

What is a classic or antique car?

A classic car is any vehicle between 10 and 24 years old that has a decided historic interest (think hot rods or muscle cars). 
For insurance purposes, an antique car is a vehicle 25 years old or older that has decided historical interest (so basically an older classic car).

What makes classic car insurance different?

Classic car insurance is usually less expensive than a normal auto insurance policy. However, you must meet a certain set of criteria to qualify.
Limited use/mileage cap provisions dictate that the classic car only be used for infrequent pleasure driving, shows, clubs, parades, and the like.
Your car must be securely stored, not sitting outdoors, and restored to or preserved in its original condition. 
Unlike modern everyday cars, classic cars often lack a “book value,” or predetermined price for a specific make and model. If you take out a classic car insurance policy, you’ll need to reach an agreement with your insurers to determine what dollar amount your vehicle is worth. 
You’ll get coverage up to the agreed value, regardless of depreciation. 
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New York classic car insurance 

In New York, the minimum coverage required for a classic car is as follows:
These coverages will protect other drivers and cars if you cause an accident. You’ll need to purchase additional coverage to make sure your vehicle is protected and your potential injuries are paid for.
In order to qualify as a classic car, your vehicle must be 25 years old or older. You must purchase classic car insurance from a company certified by the New York State Department of Financial Services and have a New York title and registration. 

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

Although you can expect to pay significantly less to insure a classic car than an everyday one, the type of coverage you need will have a strong influence on your finalized 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

Unlike younger vehicles, classic cars gain value over time rather than losing it. In fact, some classic cars currently hold values that exceed their original selling prices, making them collectibles and qualifying them for even more specialized coverage.
Regardless of your vehicle's age or value, 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

Like with regular cars, the additional coverages you purchase for your classic car insurance policy will vary depending on your driving needs and the state in which you live.
Here are some common coverages specifically for classic cars:
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

Your classic car deserves the best—which is why Jerry, your personal insurance shopper, works tirelessly to find you the best insurance rates.
Using the Jerry app is super easy: just answer a few simple questions to sign up, and within a few minutes you'll be able to review your current policy against dozens of competitive quotes.  
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