Classic Car Insurance in Utah
In Utah, classic car insurance must include minimum liability insurance—but buying additional coverage is a good idea.
Written by Claire Beaney
Reviewed by Carrie Adkins
In
Utah
, a vehicle must be over 40 years old to be considered a classic car. Classic car insurance
in Utah must include liability coverage
and personal injury protection (PIP)
.What is classic car insurance?
Classic car insurance provides protection specifically suited for classic and antique cars. Though it comes with many of the typical coverages found in a regular insurance policy, there are also extra limitations attached (like maintenance requirements and mileage caps).
What is a classic or antique car?
A classic car is a vehicle between 10 to 24 years old and has historic interest, such as a muscle car or hot rod.
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 typically less expensive than regular car insurance and is suited to fit the specific make, model, and year of your car. But because each vehicle is unique, there is no set rate for a classic car insurance plan.
You’ll need to reach an agreement about the value of your classic car with your insurer before you can purchase classic car insurance.
There are a number of specific requirements that make classic car insurance unique, and some common requirements include:
- Low mileage
- Restored, maintained, or preserved in its original condition
- Secure storage (in a locked garage or pole barn)
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Utah classic car insurance
Your car must be at least 25 years old to qualify for classic car insurance in Utah. To qualify for classic car insurance in Utah, your car must be 40 years old and older.
The following minimum coverage is also required to protect a classic car in Utah:
- Bodily injury liability coverage: $20,000 per person and $65,000 per accident.
- Property damage liability coverage: $25,000 per accident.
- Personal injury protection (PIP): $3,000 per accident
What impacts the cost of classic car insurance in Utah?
Classic car insurance usually costs less than regular car insurance coverage, but there are still a number of factors that can influence your rates.
The following are some elements that can impact your classic car insurance rate:
- Model year
- Stated or guaranteed value of the vehicle
- Mileage
- Any customized add-ons (such as roadside assistance or spare parts coverage)
- Your driving record
Benefits of classic car insurance
Standard car insurance typically isn’t enough to guard your antique or classic car against loss or damage. Beyond just being the best choice to protect your vehicle, there are quite a few benefits that come along with purchasing classic car insurance:
- Lower rates than standard policies (from 40% to 70% less)
- Higher coverage limits if your vehicle is damaged or stolen
- Earn potential discounts on approved collector car club memberships
- Guaranteed or agreed value coverage
- Coverage for optional add-ons, such as spare parts, memorabilia, and even roadside assistance
- Discounts for additional security features (alarms, VIN etching, and GPS tracking)
- Claims handling from fellow car enthusiasts
Do I need classic car insurance?
If you own 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
Your classic car insurance policy and its cost will depend on the make, model, and age of your car. It will also be impacted by the level of protection you’re looking for.
Here are some common classic car coverage options:
Coverage | Description |
|---|---|
Collision coverage | This covers damages resulting from a collision with another vehicle or stationary object. |
Comprehensive coverage | This covers damage that isn’t the result of a collision, such as unexpected events like severe weather, theft, or vandalism. |
Uninsured/underinsured motorist | This 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 coverage | If you get in an accident and your classic car is a total loss, you’ll receive the agreed value of your car (minus your deductible) without any deduction for depreciation. |
Flexible mileage | This coverage allows you to modify your policy based on how frequently your classic car is driven. |
Roadside assistance | This provides coverage for tire changes, towing, and other incidental expenses that aren’t part of a typical auto insurance policy. |
Spare parts | This 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 your classic
car insurance
, the Jerry
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