Classic Car Insurance in South Carolina

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In South Carolina, classic cars that are over 25 years old and rarely used are considered antiques. Older cars that are frequently used may qualify for specialty license plates. You can get tailored coverage and save money by purchasing classic car insurance instead of a standard auto insurance policy.
Classic cars tend to need more coverage than your standard commuter car. Classic cars usually don’t hit the road as often, and repairs can be both complicated and costly. 
That’s why it’s important to go beyond standard protection and get an insurance policy that will fit your classic car’s needs.
If you’re trying to find classic car insurance in South Carolina, the Jerry app is a great place to start. Jerry will send you cheap quotes from over 50 top insurance companies, get you signed up for a better policy, and even help you cancel your old policy.
But before you start looking for a new policy, here’s what you need to know about classic car insurance in the Palmetto State.

What is classic car insurance?

Classic car insurance goes beyond standard insurance to give you protection tailored to classic cars. Although this coverage is usually less expensive than standard insurance, it also comes with certain limitations.

What is a classic or antique car?

In the insurance world, classic and antique cars are usually defined as older models with some kind of historical significance. Different insurance companies have different methods of determining the difference.
According to State Farm, for example, classic cars are between 10 and 24 years old, while antique cars are over 24 years old.
Some insurance companies also classify certain classic cars as collector cars and offer separate coverage for those vehicles.

What makes classic car insurance different?

Classic car insurance is typically less expensive than regular car insurance and gives you additional coverage options that are ideal for classic cars. Each car is unique, so there is no standard rate for your classic car insurance. Instead, you and your provider will need to negotiate to agree upon the car’s value before you purchase the policy. 
Many classic car insurance policies also have eligibility requirements for classic cars that they cover. Common requirements include: 
  • Secure storage
  • Low mileage 
  • Historical preservation or restoration efforts

South Carolina classic car insurance

In South Carolina, cars over 25 years old can fall into one of two categories in terms of license plates and registration.
To qualify for an antique license plate, your vehicle must be all of the following:
  • At least 25 years old
  • Only used for special events like parades, car shows, and exhibits
  • Not used for general transportation purposes
You can apply for an antique plate by mailing a completed application form to the South Carolina Department of Motor Vehicles (DMV).
To qualify for a year of manufacture license plate, your vehicle must be all of the following:
  • At least 30 years old
  • Driven regularly
  • Below a gross weight of 11,000 pounds and an empty weight of 9,000 pounds
You can apply for a “year of manufacture” license plate by mailing a completed application form, a color photo of your license plate, proof of insurance, a vehicle registration fee, a copy of your paid property tax receipt, and $30 to the South Carolina DMV.
Minimum insurance coverage for classic cars in South Carolina must include:
  • $25,000 of bodily injury liability per person
  • $50,000 of bodily injury liability per accident
  • $25,000 of property damage liability per accident
  • $25,000 of uninsured motorist bodily injury liability per person
  • $50,000 of uninsured motorist bodily injury liability per accident
  • $25,000 of uninsured motorist property damage liability per accident with a $200 deductible
  • $25,000 of underinsured motorist bodily injury liability per person
  • $50,000 of underinsured motorist bodily injury liability per accident
  • $25,000 of underinsured motorist property damage

What impacts the cost of classic car insurance in South Carolina?

Classic car insurance policies are usually cheaper than regular car insurance coverage, but prices will vary depending on the types of coverage you purchase with your policy.
Some other factors that will affect your classic car insurance rate include:
  • Car’s age
  • Car’s guaranteed value
  • Car’s mileage
  • Your driving record

Benefits of classic car insurance

Here are some of the reasons that classic car insurance can be more beneficial than standard car insurance:
  • Lower rates 
  • Higher coverage limits 
  • More flexible deductibles and mileage limits
  • Guaranteed flatbed towing during roadside assistance
  • Coverage options for spare parts
  • Agents and claims adjusters who are knowledgeable about classic cars

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 insurance coverage options will depend on your desired protection level, as well as your car’s specific circumstances.
Here are some common coverage options for classic cars:
ComprehensiveThis covers damage from unexpected events like severe weather, theft, and vandalism.
CollisionThis covers damages due to a collision with another vehicle or stationary object.
Uninsured/underinsured motoristThis covers damages from an accident involving a driver who doesn’t have car insurance or doesn’t have enough car insurance to meet the legal minimums in South Carolina.
Agreed value coverageIf you total your classic car in an accident, this will pay the value of your car (minus the deductible) that you agreed upon when you purchased the insurance policy—standard car insurance policies would only cover you up to the car’s depreciated value.
Flexible mileageThis allows you to modify your policy based on how often you drive your classic car.
Roadside assistanceThis covers roadside emergency services like tire changes, towing, and lockout services.
Spare partsThis covers repairs and replacement costs for spare parts—even ones that are expensive or rare.

Finding affordable car insurance for your classic car

The insurance comparison and broker app Jerry can help you find an affordable rate on a customized policy for your classic car in South Carolina. 
Jerry works with over 50 top insurance providers to give you competitive quotes, get you signed up for a new policy, and even help you cancel your old one.
Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to!
The best part? The average Jerry driver saves $879 on car insurance every year!
“I thought my previous insurance rate was fair given the model of car I drive, but after Jerry gave me quotes, I realized I could pay only $84 a month for the same coverage through Plymouth Rock. I plan to shop for auto insurance through Jerry from now on!” ––Jill I.

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