Classic Car Insurance in Wyoming

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Classic cars in Wyoming must be protected with state minimum liability limits in order to be registered as antiques or used for transportation.
Classic car insurance provides specialty coverage not available to your everyday, commute-to-work car. After all, classic cars are not driven as often, replacement parts can be harder to find, and they’re probably worth more than the average car on the road today.
If you’re in the market for coverage for a car—classic or new—in Wyoming, Jerry can help you find the best rates. Sign-up only takes 45 seconds, and you’ll have access to dozens of competitive quotes
Here, Jerry breaks down everything you need to know about insuring a classic car in Wyoming. 

What is classic car insurance?

Classic car insurance offers many of the same coverage options as regular auto insurance, including coverage for damage to other cars and drivers, your car, and your injuries. At the same time, classic car insurance is tailored to the unique needs of vintage vehicles.  

What is a classic or antique car?

Insurers break old cars into two broad categories: classic and antique.
Classic cars are vehicles 10-24 years old with a decided historic interest, like a hot rod or muscle car.
Antique cars are vehicles 25 or more years old with a decided historic interest—so if a classic car is over 25, it’s considered antique for insurance purposes.

What makes classic car insurance different?

In general, you can expect classic car insurance to be less expensive than your normal auto policy. However, there are a few qualifications you have to meet to get coverage.
Most policies have a limited use provision or mileage cap, which means that you can only use the car for the occasional joyride or public and educational events like parades and exhibitions while on the policy.
Your car also won’t be covered unless it’s securely stored in a covered structure and maintained in or restored to original manufacturer condition
A big upside to classic car insurance is its flexibility. There are many options for customization depending on what you and your vehicle need.
The first step to getting a classic car insurance policy is to agree upon a value for the car, since most classic makes and models don’t have a set “book value”. After you negotiate a value with your insurer, they will cover up to that amount regardless of depreciation.

Wyoming classic car insurance 

Each state defines classic cars differently and with different terminology. In Wyoming, a car must be at least 25 years old to be registered as an antique vehicle
To register the car as antique, you must only use it for shows, exhibitions, and other special events and be able to show proof that it has the state-mandated liability insurance. Then, pay a $10 fee to the DMV to receive an antique license plate
In Wyoming, the minimum coverage required for a classic car is as follows:
If you never use the antique car for transportation, you may be exempt from insurance minimums in Wyoming. Check with your local DMV office for more information.

What impacts the cost of classic car insurance in Wyoming?

While classic car insurance is usually cheaper than normal auto insurance, the exact coverage you choose will have a significant impact on your pricing.
Other factors that can impact your classic car insurance rate include:
  • Model year
  • Stated or guaranteed value
  • Mileage
  • Customization—if you include things like flatbed towing, roadside assistance, spare parts coverage, etc.
  • Your driving record

Benefits of classic car insurance

Since classic cars have unique needs and often have higher values than your everyday car, it goes without saying that normal insurance won’t do enough to protect your assets in case of a major accident or total loss.
In fact, some classic cars merit even more specialized coverage than average—if a car’s current value exceeds its original selling price, it might be a candidate for collectible status and additional options.
Here are some of the benefits of getting 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

As with any car, the exact coverage you will need for your classic car depends on your make and model, your driving habits, and where you live.
Here are some common coverages available with classic car policies:
Comprehensive insuranceCovers damage that isn’t the result of a collision, such as from severe weather or vandalism.
Collision insuranceCovers damages resulting from a collision with another vehicle or stationary object.
Uninsured/underinsured motorist coverageCovers 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 mileageTired mileage plans give you 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

Whether you collect classic cars as a hobby or just received a family treasure, you know that your vintage vehicle deserves the best protection—but it doesn’t have to cost an arm and a leg. 
That’s where the car insurance shopping app and licensed broker Jerry comes in. With Jerry, you’ll get to compare your policy to customize, competitive quotes and can switch policies in-app.
Jerry is so committed to finding you savings that he’ll even alert you to new rates before each renewal deadline. 
You’ll never need to fill out a long form or make an awkward phone call again—so what are you waiting for? 
“This app is all about savings! Jerry just saved me $193/month on my car insurance. They literally found me the cheapest policies out there and with better coverage! Seriously, just sit back and watch the Jerry app work its magic.” —Rachel B.

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