Classic Car Insurance in Ohio

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Classic car owners in Ohio must register their historical vehicles with the Department of Motor Vehicles and apply for a historical license plate. All classic cars in Ohio must be protected with minimum amounts of bodily injury and property damage liability insurance. 
But the insurance you’ll need for a classic car isn’t the same kind you’d buy for a brand-new Toyota Camry or your old Subaru Forester. Because classic cars are unique and highly valuable vehicles that don’t get driven as often, they need the special protection that comes from classic car insurance.
Ready to figure out what insurance to buy for a classic car in Ohio? Car insurance comparison and broker app Jerry has compiled your essential guide to classic car insurance in the Buckeye State. 

What is classic car insurance?

Classic car insurance covers most of the same things as a regular car insurance policy, but it’s specifically tailored to the needs of classic or antique cars. 
For instance, most classic car insurance policies specify limits on annual mileage and offer customization options like roadside assistance coverage that only uses flatbed towing.

What is a classic or antique car?

In general, any vehicle 10 to 24 years old that has historic interest is considered a classic car. For insurance purposes, any vehicle 25 years or older that has historic interest is considered an antique car

What makes classic car insurance different?

In general, classic car insurance tends to be cheaper than regular car insurance. Because you don’t drive the vehicle as often, it carries a much lower risk than a car you commute in daily. 
Unlike regular car insurance, a classic car insurance policy can’t be based on a set “book value” based on the vehicle’s make and model. Each classic car is unique, so your first step will be to reach an agreement with your insurer about the value of your vehicle
This “agreed value” will be specified on your policy and your car will be covered up to that value without depreciation. 
Other key differences between classic and regular car insurance include: 
Limited use: Because classic cars are mainly used for exhibitions, club activities, parades, and infrequent pleasure driving, your policy will set an annual mileage cap on your vehicle’s use. 
  • Storage: You’ll be required to have secure storage (e.g., a locked garage) for your classic car. 
  • Condition: To qualify for classic car insurance, the vehicle must be restored, maintained, and preserved in its original condition—unless it’s undergoing restoration.  

Ohio classic car insurance 

In Ohio, any vehicle with historic interest 25 years or older qualifies for specialty classic car insurance. 
The car must be owned and operated solely as a collector's item and for participation in club activities, exhibitions, tours, parades, and similar uses. You won’t be able to use the car for general transportation, but you can drive it on regular roads to get to and from a maintenance location. 
When you register the car at the Department of Motor Vehicles, a $10 license fee will apply, and you’ll need to have it inspected to confirm that it’s safe to operate on public roads. 
If you want to display model year license plates on your classic car, you’ll need to submit an affidavit showing that they’re legible and serviceable plates originally issued by the state of Ohio
If you don’t have your own model year plates, the DMV will issue a set of historical vehicle license plates that say “Historical Vehicle—Ohio” along with your car’s registration number. You’ll need to keep the registration certificate and the historical vehicle license plate issued by the registrar in your vehicle at all times. 
In Ohio, the minimum insurance coverage required for a classic car is as follows: 
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What impacts the cost of classic car insurance in Ohio?

Your rate for classic car insurance in Ohio will probably be lower than a regular car insurance premium. But the exact amount you pay depends on the type of coverage you choose beyond the state minimum requirements. Including custom options like flatbed towing or spare parts coverage will drive your rate up. 
Other factors that affect your classic car insurance rate include: 
  • Model year
  • Agreed value
  • Your driving record 
  • Mileage

Benefits of classic car insurance

Regular car insurance just can’t provide the necessary protection for unique and historic vehicles. If your car’s value exceeds its original selling price, it’s probably a good candidate for specialized classic car insurance. 
Here are a few more advantages that come with 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

Ultimately, your coverage depends on the type of car you own and its unique needs. 
Here are some coverage options you should consider:
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 mileageTiered mileage plans give you the 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

If you want to find the lowest possible rate on classic car insurance in Ohio, turn to an expert and download the Jerry app. You’re an expert on your own classic car—and Jerry is the expert on car insurance! 
Answer just a few questions about yourself and your vehicle, and Jerry will compare rates from leading insurance providers and get you competitive quotes in under two minutes! 
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