How To Find Classic Car Insurance in Arizona

Classic car insurance in Arizona tends to cost between $400 and $1,000, with the most affordable policies typically coming from Grundy.
Written by Kianna Walpole
Edited by Jessica Barrett
Reviewed by Brice Regling
Classic car insurance
generally costs between $400 and $1,000—which is 50% less than a standard
auto insurance
policy. Drivers with a collector car or antique car must seek coverage that meets or exceeds Arizona’s state minimum liability limits.
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Classic car insurance is cheaper than standard insurance
Classic car insurance is typically restricted to collector vehicles that are at least 25 years old and only driven as a hobby—therefore, the yearly costs are cheaper.
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Insurance is based on your agreed-upon value
You and your classic car insurer will set an agreed-upon value for your classic car that ensures you’ll receive a fair payout that’s not affected by depreciation in a total loss.
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Compare quotes to find the best providers
Major car insurance providers like GEICO and Progressive work with classic car insurance companies like Hagerty and American Modern to offer this coverage to Arizona customers. To find the best provider for your classic vehicle, compare quotes in the Jerry app.

What is classic car insurance in Arizona?

Classic car insurance is a specialized type of coverage that addresses the unique insurance needs of collector vehicles that are typically at least 25 years old, including:
  • Vintage cars, motorcycles, and scooters
  • Hot rods
  • Muscle cars
  • Modified vehicles
  • Antique military vehicles
  • High-value vehicles and collections
These vehicles need additional physical damage insurance since they’re worth more than your average vehicle. You can purchase classic car insurance as an endorsement for a standard auto insurance policy or as a standalone policy.
A basic classic car insurance policy will typically include
liability insurance
that meets the same
Arizona minimum requirements
as a standard auto policy, as well as specialty coverage options like spare parts coverage, original replacement parts coverage, and flatbed towing coverage. 
Along with your vehicle’s age and type, to be considered for classic car insurance in Arizona, your annual mileage count generally cannot exceed 7,500—though mileage limitations may vary depending on the provider.

The average cost of Arizona’s classic auto insurance

The average classic car insurance policy in Arizona costs between $400 and $1,000 per year. 
While your classic car insurance quotes could cost more than this, one thing is clear: this specialized auto insurance coverage is almost always cheaper than regular auto insurance premiums.
When you request a classic auto insurance quote, your insurance rate will depend on factors like:
  • The age of your vehicle
  • Your classic car’s value
  • Annual mileage count
  • Customized coverage options
The best way to find classic car insurance that matches your driver needs and budget is to compare quotes from several insurance companies using an app like
When applying for a quote, you’ll need important information, such as the make, model, and year of your vehicle, annual mileage count, storage type, driver history, and any other drivers you want covered.
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Jerry can walk you through the classic car insurance shopping experience step by step.
Once all your information is in, you can scan multiple Arizona classic car insurance quotes at once and finalize your new policy the same day, if you want.

The best auto insurance companies for classic car insurance in Arizona

Grundy is generally the most affordable company for classic car insurance in Arizona, offering policies up to 50% less than standard car insurance options. 
Other car insurance companies that specialize in antique cars and collectible vehicles in the state include:
  • American Collectors (in collaboration with USAA)
  • Hagerty (in collaboration with Progressive)
  • American Moden (in collaboration with GEICO)
  • Safeco 
  • Heacock Classic
Keep in mind that individual insurance companies set their own eligibility requirements for classic or collector car insurance. It’s best to contact your desired provider beforehand and speak to an insurance agent about eligibility.

Classic car insurance requirements in Arizona

Although classic car insurance includes a lot of the same coverage you’d have with a regular auto policy, it also comes with special requirements and restrictions.
To get an antique car insurance policy for your vehicle, it must be restored, maintained, and preserved in its original condition.
Because classic car insurance is for vehicles that aren’t in regular use, most companies put a cap on the number of miles you can drive—usually around 7,500 miles per year in Arizona.
Many companies require classic car owners to show proof that they have a daily driver for regular transportation.
You’ll need to show that your classic car is stored in a secure location (like a locked garage) when not at car shows, parades, or other special events.

The benefits of Arizona’s classic car insurance 

A classic car insurance policy can give you peace of mind at a lower rate if you own a rare and valuable vehicle—especially in the event of a total loss. 
With standard car insurance policies, your payout for a total loss claim is based on the lesser of the stated value or the actual cash value of your vehicle, which takes depreciation into account. In contrast, classic car insurance policies include an agreed value for your vehicle at the start of your policy without taking depreciation into account.
Some insurance providers also supply classic car insurance policyholders with access to collectors clubs and associations to help them connect with other collectible car owners. 


What is the classic car law in Arizona?

A car is considered a classic in Arizona if it’s 25+ years old. Other requirements for classic car insurance include an overall annual mileage under 7,500 and only being used for car shows, parades, and other events.

Are classic cars exempt from emissions in Arizona?

Any classic car built before 1967 is exempt from emissions testing. Arizona also offers an exemption for collector vehicles, which are rare or limited edition cars that are over 15 years old. 

Do you have to be a certain age to get classic car insurance?

Generally, you do not need to be a specific age to get classic car insurance—but this rule varies from provider to provider, and some insurers require you to be at least 25 years old. You will also need a valid Arizona driver’s license and proof of a clean driving record for at least 5 to 10 years.

How do I register my car as classic in Arizona?

You can register your classic car in Arizona through the Department of Transportation. You will need to pay a $25 application fee, plus $10 at the annual renewal. In addition, your vehicle must be on the list of classic cars filed with the Motor Vehicle Division and you’ll need to complete a special plate application form.

Is a classic car cheaper to insure?

Yes, generally a classic car is cheaper to insure than a standard automobile as it’s driven less frequently and there is less of a chance of you getting into an accident and filing a claim.

What is the best company for classic car insurance in Arizona?

One of the best companies for classic car insurance in Arizona is Grundy. Other top contenders include Safeco, Progressive, and GEICO.

How much does classic car insurance cost?

The average cost for classic car insurance in Arizona is around $400 to $1,000 per year. This price can vary based on factors such as your driving record and insurance history. 

Do classic cars need insurance?

Yes, you should always get insurance on your classic car with specialty add-ons to help repair or replace parts in the event of an accident. 

When is a car considered ‘historic’ in Arizona?

A car can be registered as historic in Arizona when it’s older than 25 years. 

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