Top-Tier Classic Car Insurance

Get Competitively Rated Classic Car Insurance

Realizing the dream of owning a classic car is an accomplishment. Ensuring its security is paramount. Unlike auto insurance, there's no federal or state mandate for classic car insurance, but it's a responsible choice. Certain venues, like marinas and public docking areas, may require insurance for entry.

Classic cars may not be driven each day the way your standard automobile is, but they still to be insured. Consider their value, historical significance, and the pride that they bring you.

At AHI Group, we specialize in securing exceptional coverage for your vintage vehicle. As a prominent insurance provider licensed in various states, including Kansas, Nebraska, and Texas, we are dedicated to guiding you in making informed decisions about your insurance requirements. Whether you have inquiries, need coverage reviews, or seek cost-effective strategies, we're here for you. Contact us to explore the optimal classic car insurance solutions for your prized possession.

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What Does Classic Car Insurance Cover?

Classic cars fall under a different definition depending on the insurer, but usually a classic car is any “vintage” vehicle over the age of 15 or adhering to specific characteristics. Older cars still need to be insured the same way any automobile is insured, but specialized coverage is typically in order to ensure these vehicles are sufficiently protected.

Classic car insurance differs a few ways when compared to standard automobile insurance. Typically, classic car insurance accounts for the fact that classic vehicles are typically driven very little – (usually under 5,000km or less a year) – and appreciate in value over time.

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Physical Damage

Physical damage coverage is comprised of both collision and comprehensive coverage, which are optional but highly recommend for classic vehicles, which are typically much more expensive to repair than standard vehicles. At the very least, we recommend comprehensive coverage to insure against non-collision events, like fire, vandalism, and beyond.

Liability Coverage

Liability coverage is the bedrock of any classic car insurance policy. It protects you from financial losses in the event you're deemed responsible for an accident. This coverage extends to bodily injury or property damage caused to others. Plus, this coverage is legally required in most states.

Uninsured Automobile Coverage

Even on the roads less traveled, the unexpected can happen. Uninsured automobile coverage becomes crucial in scenarios where you encounter an at-fault driver without insurance.

Medical Payments Coverage

The safety of you and your passengers is paramount. Medical payments coverage within our classic car insurance policy takes care of necessary medical expenses in the aftermath of an accident, regardless of fault.

What Does Classic Car Insurance Cost?

The cost to insure a classic/collector vehicle is usually between $500 to $1,500 a year – generally less than that to insure a standard vehicle (since classic cars are driven a lot less than regular cars and therefore less likely to be involved in an accident.)

  • The age and condition of the vehicle
  • The value of the car
  • The make and model of the car
  • How far the car is driven
  • The driver’s record
  • The deductible you choose
  • Coverage types and limits

In case you want a more accurate assessment of your classic car insurance costs, give us a call today and we’ll give you a free quote.

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Saving on Classic Car Insurance

Exploring the roads? Classic car insurance is essential for every vintage car enthusiast. Costs can vary, but at AHI Group, we provide tailored strategies to alleviate financial burdens while ensuring comprehensive coverage.

Work with an agent

While securing classic car insurance independently is an option, collaborating with an agent presents unique advantages. Our knowledgeable agents can navigate you toward optimal coverage options from top insurers, ensuring you secure the most competitive rates. Equipped with insights and strategies, they help you maximize savings without compromising protection. Trust an AHI agent to guide you toward the best choices for your vintage vehicle coverage.

Optimize your savings

Unlock potential discounts with AHI Group. Depending on your insurer and location, you may qualify for various incentives. These could include loyalty-based group or bundle discounts, exclusive club and member discounts, retiree discounts, student discounts, and more. Connect with an agent to explore tailored discount options that align with your specific needs.

Drive safely

Accidents can impact insurance rates. The fewer claims and incidents you're involved in, the better. Operate your classic car safely, adhere to state regulations, and prioritize safety. Additionally, wearing your seatbelt is a simple yet effective way to contribute to accident prevention and ensure a secure journey on the roads. Drive with care and enjoy the classic car experience responsibly!

Quick: Classic Car Insurance FAQs


What makes classic car insurance different from standard auto insurance?

Classic car insurance is tailored to the unique needs of vintage and collectible vehicles. Unlike standard auto insurance, classic car insurance considers factors like the vehicle's rarity, restoration costs, and agreed-upon value. It often provides specialized coverage for the specific risks and circumstances associated with owning and maintaining a classic car.

How is the value of my classic car determined for insurance purposes?

The value of a classic car for insurance purposes is typically determined through methods such as agreed value or stated value. Agreed value involves a mutual agreement between the owner and the insurance company on the car's value, considering factors like its condition and rarity. Stated value allows the owner to declare a specific value for the car, providing a baseline for coverage.

Can I use my classic car for everyday driving under a classic car insurance policy?

No. Classic car insurance is designed for vehicles used a few times a year, not vehicles used everyday. Policies may have mileage and usage restrictions to ensure the preservation of the car’s condition. Some policies are more flexible, so we advise being clear and open with your agent to ensure you get a policy fitted to your needs and vehicle usage.

Connect with an AHI Classic Car Insurance Agent

Classic car insurance is crucial regardless of what state you’re based in. Classic cars aren’t your everyday automobile – they’re art. They have history, storied pasts, and they’re a symbol of pride. AHI Group can help you get affordable, customized coverage for your classic cars.

Looking for quality classic car insurance? Look no further than AHI Group! Our team of experts is dedicated to providing classic car owners with the best coverage and service for your unique needs. Whether you are an avid collector or just enjoy taking your classic car out on the open road, we have the expertise and experience to keep your investment protected. So why wait? Get started today and experience the AHI Group difference!

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