Personal Insurance
Antique & Hobby Car Insurance
Classic, antique, and collector vehicles need coverage that reflects their true value and the way they're actually used. Standard auto policies are designed for vehicles driven daily, which means they typically base payouts on depreciated market value — not the agreed-upon value of a lovingly restored classic. Antique and hobby car insurance is purpose-built for collector vehicles, with agreed value coverage, flexible usage terms, and an understanding of what these cars really mean to their owners.
What Antique & Hobby Car Insurance Can Help With
Coverage options vary by carrier and situation. A licensed agent can explain what applies to your specific needs.
Agreed value coverage — if your vehicle is totaled, you receive the pre-agreed amount without depreciation
Comprehensive coverage for fire, theft, vandalism, and weather damage during storage
Collision coverage for on-road or show incidents
Spare parts and memorabilia coverage
Coverage for vehicles in restoration or being transported to shows
Flexible mileage programs that reflect limited pleasure use
Who Often Explores Antique & Hobby Car Coverage
Every situation is unique — a licensed agent can help you decide whether this coverage makes sense for you.
Classic car collectors with vehicles from the 1970s or earlier
Muscle car and hot rod enthusiasts
Owners of restored vintage vehicles who have invested significantly in the restoration
People showing vehicles at car shows, swap meets, or club events
Those with vehicles worth far more than their depreciated 'market value' would suggest
Frequently Asked Questions
Have more questions? A licensed agent is ready to help.
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Coverage options vary by carrier and state. A licensed agent can explain details and availability.
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