Classic Car Insurance in Oklahoma

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Classic car owners in Oklahoma are required to purchase minimum amounts of classic vehicle liability coverage if they intend to operate their vehicles on state roads or highways.
Classic vehicle ownership isn’t like regular car ownership, which is why classic vehicles need special car insurance. Because you don’t drive your classic car as often, and the vehicle itself is probably worth more than your everyday car, it’s important to purchase specialty insurance coverage for any classic vehicle in Oklahoma. 
Car insurance comparison shopping app Jerry can help you find the right coverage for your classic car. Let’s break down everything you need to know about classic car insurance in Oklahoma. 

What is classic car insurance?

Classic car insurance provides the same kinds of coverage as a regular auto insurance policy, but it’s specifically designed to meet the needs of classic vehicles and their owners. 
Because every classic vehicle is unique, these insurance policies offer a lot of customization. They can also carry special restrictions, like limits on annual mileage and storage requirements.   

What is a classic or antique car?

Definitions vary, but in general, a classic car is any vehicle 10 to 24 model years old that has historic interest. For insurance purposes, any car with historic interest that’s 25 years or older is considered an antique car. 

What makes classic car insurance different?

Classic car insurance is generally less expensive than regular auto insurance. This is because classic vehicles spend less time on the road, which means less risk for insurance companies. 
Another major difference is that classic car insurance premiums can’t be set by a standard “book value” of the vehicle based on make and model. Because each classic car is unique, the first step to insuring your classic vehicle will be to set an agreement with your insurer about the value of your car. 
Other major differences include: 
  • Limited use: Classic car insurance can only be used for vehicles that are driven infrequently: for exhibitions, club activities, parades, etc. 
  • Storage: You’ll need to have secure storage for your classic car, such as a locked garage. 
  • Condition: Only cars that are restored and maintained in their original condition—or cars that are being actively restored—are eligible for classic car insurance.   

Oklahoma classic car insurance 

In Oklahoma, a car must be 25 model years old or older in order to qualify for classic car insurance. To obtain Oklahoma classic car license plates, you’ll need to complete a vintage car registration
Here’s how to register your vintage car in Oklahoma:
  • Submit an application form to the Tax Commission. This application will require you to enter personal information, such as your driver’s license information, as well as details about your vehicle, including the title number and vehicle identification number. 
  • If you plan to operate the vehicle on state roads and highways, you’ll need to provide proof of classic vehicle insurance and remittance to the Tax Commission. 
  • If you don’t plan to drive the car on public roads, submit a non-use affidavit to receive a non-use registration decal.  
If you plan to drive your vehicle on state roads, you’ll need to purchase classic car insurance before you can register the vehicle. In Oklahoma, the minimum coverage required for a classic car is as follows:

What impacts the cost of classic car insurance in Oklahoma?

In general, you’ll pay a lower premium to insure your classic car than you would insure your Honda Accord or Mazda 3. But your exact rate depends on the type of coverage you need.  
Other factors that could affect your classic car insurance rate include: 
  • The age of your vehicle
  • Stated or guaranteed value
  • Annual mileage
  • Customization options (flatbed towing, spare parts coverage, etc.) 
  • Your driving record

Benefits of classic car insurance

You need classic car insurance because regular auto insurance won’t give your classic or antique vehicle sufficient protection against damage or loss. If your car’s value is greater than its original selling price, it might be considered a collectible, and specialized classic car insurance might be a good choice. 
Here are a few advantages to getting classic car insurance:
  • Rates up to 70% lower than regular auto insurance
  • Higher coverage limits (often up to $500,000)
  • Claims handling from fellow car enthusiasts
  • Guaranteed or agreed value coverage
  • Optional coverage for spare parts and memorabilia
  • Roadside assistance using only flatbed tow trucks
  • Potential discounts on approved collector car club memberships

Do I need classic car insurance?

If you have any of the following vehicles, you probably 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

You’ll need to meet Oklahoma’s minimum requirements for liability insurance, but you may want to add additional coverage. The exact coverage you need depends on the type of car you have and how you expect to use it
Here are some common coverages 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 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

Owning a classic vehicle can be expensive. Shopping for classic car insurance doesn’t have to be. 
Download the Jerry app for expert end-to-end support in the classic car insurance shopping process. You won’t have to hunt around for the lowest rate—as a licensed insurance broker, Jerry will compare rates from leading classic car insurance providers and find you competitive quotes.

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