to eligible antique or classic cars with historical interest, and vehicles in some states may qualify for Classic+™ insurance, powered by Hagerty.

State Farm offers classic & antique car insurance

State Farm offers classic car insurance for antique and classic cars. Drivers in all states can purchase State Farm’s classic insurance while residents of Arizona, Connecticut, Illinois, and Indiana can opt for Classic+™ coverage, supported by Hagerty.

To be eligible for State Farm classic insurance, your vehicle must be:

A classic automobile of 10 to 24 years old with historical interest OR an antique automobile over 24 years old with historical interest

Used for limited driving, pleasure driving, car shows, club activities, parades, or exhibitions

Restored, under restoration, and/or preserved and maintained

Stored in an enclosed structure.

To be eligible for State Farm Classic+™ insurance, your vehicle must be:

Your car’s historical value, or rarity, makes the agreed-upon value higher than the normal depreciated value

Your vehicle is a novel or vintage car that you only drive on occasion.

Used for limited driving, pleasure driving, club activities, tours, and organized car meets

In good condition or under restoration

If your vehicle meets the standards outlined above, you may qualify for a classic car insurance or Classic+™ policy from State Farm.

Let’s take a look at your coverage options.

State Farm classic car insurance coverage options

State Farm’s classic car insurance policies can include many of the same coverages as a regular car insurance policy. Here are the

types of coverage

that are available to State Farm policyholders for classic vehicles.

Coverage type	Description	Available for State Farm classic car insurance policies?	Available for State Farm Classic+™ insurance policies?
Liability coverage	Covers property damage and medical expenses for the other party after an accident that you are at fault for. Required by law in most states	Yes	Yes
Collision coverage	Covers vehicle repairs for your classic vehicle after a collision	Yes	Yes
Comprehensive coverage	Covers vehicle damage from perils such as vandalism, theft, or severe weather	Yes	Yes
Uninsured/ underinsured motorist	Offers financial assistance if the driver who caused the accident involving your classic car doesn’t have state-mandated minimum liability coverage	Yes	Yes
Roadside assistance	Covers emergency road services such as towing, gas delivery, and labor costs to get your classic vehicle back up and running	Yes	No
Medical coverages	Adds medical payments (MedPay) or personal injury protection (PIP) for medical coverage after an accident	Yes	Yes

State Farm classic vs. Classic+™ car insurance

While State Farm’s classic vehicle insurance is available to car owners in every state, Classic+™ coverage is only available to drivers in Connecticut, Illinois, and Indiana. Here are the perks of each classic car insurance policy.

State Farm classic car insurance

Agreed value: With the help of a State Farm insurance agent, you will agree on the value of your vehicle to determine your policy rate and the payout if you experience a total loss.

Spare part coverage: Up to $500 coverage for your classic vehicle’s spare parts.

24-hour Good Neighbor Service: Reach out to a State Farm agent at any time to discuss your antique vehicle or classic car.

State Farm Classic+™ coverage

Guaranteed value coverage: Decide on an agreed value to cover your vehicle in the event of a total loss, minus your deductible.

Specialty claims service: Speak with State Farm’s Classic+™ adjusters any day of the week to deal with vehicle repairs and specialty parts claims.

Car covers and spare parts coverage: Have access to coverage for your spare parts, car covers, and vehicle evacuation in case of natural disasters.

Additionally, both types of classic car insurance from State Farm offer lower rates than standard auto insurance policies. Let’s take a closer look at policy costs.

State Farm classic car insurance costs

Classic car insurance rates are typically around 36% cheaper than standard insurance rates.

The average driver pays $400 to $600 per year for classic car insurance—but just like standard insurance, the rate you pay will depend on a host of factors specific to you and your collectible car.

The biggest determinant of your collector car insurance cost is the agreed value of your car. Without a book value to go by, your rate will depend on the value your car is appraised for. Since the agreed value of your car can’t usually be estimated without an official appraisal, it’s nearly impossible to estimate an accurate classic car insurance quote.

Traditional factors will also come into play when determining your classic car insurance rate, like your deductible, driving record, and driver profile.

Before you commit to a State Farm classic car insurance policy, be sure to get quotes from other providers to find the best car insurance company for you. While State Farm Classic+™ policies are fueled by Hagerty, it may be wise to seek quotes directly from the source and other companies.

You can view real classic car insurance quotes from Hagerty in the Jerry app, then compare your potential costs from State Farm to choose the best classic car insurance policy and rate for your car.

Find cheap car insurance

Is State Farm classic car insurance worth it?

State Farm classic car insurance offers lower rates than standard insurance policies, so if you own a classic or antique vehicle, it may be worth it.

If your vehicle checks off the following boxes, State Farm classic car insurance could be a smart idea:

Your car’s historical value, or rarity, makes the agreed-upon value higher than the normal depreciated value

Your vehicle is a novel or vintage car that you only drive on occasion.

FAQs

Are classic car insurance rates cheaper than regular car insurance?

On average, yes—but that depends on the agreed value of your classic car. A classic vehicle with a higher value will cost more to insure than a less-valuable one. In general, classic car insurance premiums cost 36% less than standard car insurance policies on average.

How old does a vehicle have to be to qualify for classic car insurance?

This depends on the specific insurance company’s requirements, but for the most part, a car needs to be at least 10 years old with historic interest to be considered a classic car. Vehicles 25 years or older are usually considered antique cars.

What other classic car insurance companies are available?

Grundy is one of the most well-known classic car insurance companies, but many major car insurance providers partner with smaller classic car insurance companies to provide their policyholders with classic car coverage. For instance,

Progressive

and State Farm partner with Hagerty Insurance,

USAA

partners with American Collectors Insurance, and

GEICO

works with American Modern Insurance.

What vehicles are eligible for State Farm classic car insurance?

To qualify for State Farm classic car insurance, vehicles must be at least 10 to 24 years old for classic vehicles, or over 24 years old for antiques. Vehicle use must be restricted for pleasure driving, car shows, exhibitions, club activities, and parades. Additionally, the car must be restored or maintained, or under restoration. Vehicles are to be stored in an enclosed structure when not in use.

To qualify for State Farm Classic+™ insurance, vehicles must be 10 years old or a replica of a vehicle older than 10 years old, used on a limited basis or for the same functions listed above, and must be kept in good condition or under restoration.

Can I drive my classic car with State Farm classic car insurance?

Yes, you can drive your classic car if it is insured by State Farm’s classic car insurance, but you can’t use it as your daily commuting vehicle. Classic vehicles must only be used for pleasure driving.

Can you get full coverage from State Farm for a classic car?

Yes, State Farm offers classic car insurance or Classic+™ full coverage policies with state minimum coverage, comprehensive insurance, and comprehensive coverage.

Does State Farm set a mileage limit for classic car insurance?

State Farm may have an annual mileage limit for classic vehicles. Insurance companies typically limit classic vehicles to 2,500 to 10,000 miles per year. To be sure, speak with a State Farm agent about their classic vehicle mileage restrictions.