Classic Car Insurance in Tennessee

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In Tennessee, a car must be over 25 years old to be considered a collectible worthy of classic car insurance. Tennessee classic car insurance must include bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage.
Classic cars are unlike your everyday commute-to-work vehicle, and typically need extra protection when insuring them. They usually don’t hit the road often, and replacement parts can be both expensive and hard to find. 
So going beyond the typical coverage and finding specialty car insurance can be important.
To help you find the best coverage for your classic car, the insurance comparison shopping and broker app Jerry is breaking down everything you need to know about protecting your vintage ride in Tennessee.

What is classic car insurance?

Classic car insurance provides specific coverage tailor-made for your classic or antique car. Though it might have similar coverages as regular auto insurance, it usually also comes with extra limitations, like mileage caps and maintenance requirements.

What is a classic or antique car?

A classic car is a vehicle 10 to 24 years old and has historic interest, such as a hot rod or muscle car.
An antique car is 25 years or older with historic interest. Any classic car over 25 years old is considered an antique for insurance purposes.

What makes classic car insurance different?

Classic car insurance is usually less expensive than regular car insurance. But since every classic car is unique, there isn’t any set “book value” for specific makes and models. You’ll have to reach an agreement with your insurer about the value of your classic car before you do anything else.
There are usually eligibility requirements for classic cars that are necessary for classic car policies. Some common requirements include:
  • Low mileage
  • Secure storage (locked garage or pole barn)
  • Restored, maintained, or preserved in its original condition

Tennessee classic car insurance 

In order to qualify for classic car insurance in Tennessee, your car must be over 25 years old.
It also must have a non-modified engine and body. A classic car in Tennessee can only be used for general transportation on Saturdays, Sundays, and federal holidays.
The minimum coverage required for a classic car in Tennessee is as follows:
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What impacts the cost of classic car insurance in Tennessee?

Even though classic car coverage is usually cheaper than regular car insurance coverage, prices can still vary depending on the type of coverage you purchase.
There are some other factors that may also influence your classic car insurance rate:
  • Car’s age
  • Stated or guaranteed value
  • Car’s mileage
  • Any customized add-ons (such as flatbed towing, roadside assistance, or spare parts coverage)
  • Your driving record

Benefits of classic car insurance

There are a number of unexpected benefits to investing in classic car insurance! Here are some that you may receive with your classic car policy:
  • Lower rates (from 40% to 70% less).
  • Higher coverage limits if your vehicle is damaged or stolen.
  • Flexible annual mileage limits and deductible options.
  • Guaranteed or agreed value coverage.
  • Coverage for optional add-ons, such as spare parts, memorabilia, and even roadside assistance using flatbed tow trucks.
  • Discounts for additional security features (alarms, VIN etching, and GPS tracking).
  • Earn potential discounts on approved collector car club memberships.

Do I need classic car insurance?

If you have any of the following vehicles, 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 will depend on your car’s make, model, and age, and will also be impacted by your desired protection level. 
The following are some common classic car coverage options:
CoverageDescription
Comprehensive coverageThis covers damage that isn’t the result of a collision, such as unexpected events like severe weather, theft, or vandalism.
Collision coverageThis covers damages resulting from a collision with another vehicle or stationary object.
Uninsured/underinsured motoristThis will protect you from paying out of pocket 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 of your car (minus your deductible) without any deduction for depreciation.
Flexible mileageAllows you to modify your policy based on how frequently your classic car is driven.
Roadside assistanceThis provides coverage for tire changes, towing, and other incidental expenses that aren’t part of a typical auto insurance policy.
Spare partsThis coverage helps pay 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 save money on car insurance, the Jerry app is a good place to start. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new car insurance—Jerry will even help you cancel your old policy.
And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price
This level of service and ease of use has helped make Jerry the top insurance app in the country!
“I signed up for a new policy with Jerry’s help. I ended up saving $236 a month after my switch. Thank you, Jerry!” —Adelaide C.
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