Classic Car Insurance in Florida

Classic cars in Florida must have a special license plate and be covered by property damage liability coverage and personal injury protection.
Written by Maria Cruz
Edited by Jessica Barrett
Reviewed by Brice Regling
car insurance
is available for vehicles 30 years old and older and must include property damage liability and personal injury protection. Classic vehicles are often worth more than the average vehicle, making classic car coverage a must to protect your investment.

Classic car insurance requirements in Florida

Typically, cars must be 30 years old or older to receive antique/historical designation in the Sunshine State. You must apply for a special title and license, and all classic auto insurance policies must include the state minimum insurance required in Florida:
classic car insurance
isn’t your standard policy—it caters to the unique insurance needs of classic or collector vehicles. While exact requirements might vary between insurance companies, here are the basics:
  • You must be at least 25 years old 
  • You must have at least 5 to 10 years of driving experience
  • The vehicle must not be modified from its original manufacture form with replacement parts
  • You must have a good driving record with no more than one at-fault accident or moving violation recorded in the previous 3 years
  • You must agree not to race your insured vehicle

The best classic car insurance companies in Florida

Classic car drivers in Florida have a handful of options for buying collector car insurance. Here’s a rundown of the most popular insurers.
No serious infractions in last three years
Driver maintains personal regular-use insurance 
Collector vehicle must be stored properly in enclosed structures 
Classic car is not used for daily driving or touring
Must be limited production car less than 10 years old for modern classic
Antique cars have to be 25 years old with no modifications
Must be limited use
Classic car is used on limited basis
Car is restored, maintained, or preserved
Stored in enclosed building
Poor driving record
Vehicle must be 25 model years or older
Can be a new exotic car, or new replica
Classic military vehicle
Can only be used for exhibitions, clubs, or occasional pleasure driving
Must be stored in secure and closed in facility
Not a daily use vehicle (business, personal, or commercial)
Not driven off-road
Not used for racing of any kind
You might have other options: Some cars might be eligible for specialized classic car insurance with companies like GEICO if their current value exceeds their original selling price, making them collectibles.

Benefits of Florida classic car insurance

Provided that you use your historic car for the limited functions insurers require, classic car insurance is the best way to protect your vehicle against damage or loss. Not to mention, it comes with added benefits:
  • Rates 40% to 70% lower than standard car insurance
  • Flexible annual mileage limits
  • Additional coverage options 
  • Flexible deductible options
  • Guaranteed or agreed-value coverage
  • Optional coverage for spare parts and memorabilia
  • Roadside assistance 
  • Discounts for additional security features, automotive parts, and driving schools
A little bonus: Companies like Hagerty and American Collectors Insurance supply their classic car clients with valuable insight into approved collector car clubs and car show memberships. Notable mentions include
Antique Automobile Club of America South Florida Region
Cape Kennedy Corvette Club
, and the
Ferrari Club of America, Florida Region

What impacts the cost of classic car insurance in Florida?

While classic car insurance costs are usually cheaper than traditional insurance, the coverage options you choose can change your monthly rates. Other factors that can impact your premium 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
Your coverage will depend on the type of car you have and what you need to protect it. Many types of coverage available with standard auto insurance are also available with a classic car policy. The best classic car insurance quotes will offer specialty coverage that caters to classic or even collector vehicles.
In Florida, you’ll see the following common coverage types for classic cars:
Covers damage that isn’t the result of a collision, such as from severe weather or vandalism.
Covers damages resulting from a collision with another vehicle or stationary object.
Agreed value coverage
If 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 usage
Tiered mileage plans give you flexibility to customize your policy based on how much you actually drive your classic car.
Roadside assistance 
Coverage for tire changes, towing, and other incidental expenses that aren’t part of a typical auto insurance policy. With companies like Hagerty, this will require you to be a member of the Hagerty Drivers Club.
Spare parts
Add coverage for loss or damages to classic spare parts—even ones that are expensive or hard to find.
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Coverage options and premiums vary across providers, so it’s important to shop around and get free quotes to find the best policy for you
If you’re shopping with Jerry, you can create a profile, share the details about your classic car, and review personalized auto insurance rates.


Is a classic car cheaper to insure?

Classic cars are typically cheaper to insure than daily drivers. This is because the vehicles aren’t driven as much and are less likely to get into an accident or require a claim payout.

At what age is a car considered a classic in Florida?

Your car must be at least 30 years or older to qualify for classic car coverage.

Do you need antique car insurance in Florida?

Yes, antique cars and vintage vehicles still require car insurance if they are being driven. Even if you only take your classic car out for an occasional spin, you must have at least state minimum coverage.

What are the rules for antique license plates in Florida?

Antique license plates must be issued on any classic car that was made in or before 1975 and should be the same year as the model year of the vehicle. 

What is the sales tax on a classic car in Florida?

You can expect to pay 6% tax on the total sales price for a straight sale. 

Do I need a title for a classic car in Florida?

Yes, Florida requires all classic and non-classic cars to have titles that belong to the owner.

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