Classic Car Insurance
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- Classic Car Insurance in Florida
Classic car insurance is a specialty auto coverage for vehicles that are:
- Collectible: Due to age, rarity, or value.
- Occasional use: Not used daily.
- Well-maintained: Often stored in a garage.
- Appreciating value: Holding or increasing value over time.
It offers different coverage terms than regular car insurance—including agreed value, which helps ensure you’re fully covered in case of a total loss.
Classic car insurance coverage includes:
- Agreed Value Coverage: You and the insurer agree on your vehicle’s value up front—if it’s totaled, you’re paid that amount (not depreciated or market value).
- Comprehensive & Collision: Covers theft, fire, vandalism, accidents, and more—on or off the road.
- Liability Coverage: Protects you if you cause injury or damage while driving the vehicle.
- Uninsured/Underinsured Motorist: Covers you if someone else causes an accident and doesn’t have enough insurance.
- Roadside Assistance & Flatbed Towing: Designed for classic cars (e.g., towing with care, not just a standard hook).
- Spare Parts Coverage: Covers rare or valuable replacement parts stored in your garage.
- Trip Interruption (Optional): Helps with travel costs if your car breaks down during a show or cruise.
Requirements for Coverage
To qualify for classic car insurance in Florida, you usually need to:
- Own a vehicle that is at least 10–25 years old (depends on insurer)
- Have the car in good or restored condition
- Store the vehicle in a garage or secure location
- Use the car for limited miles (e.g., shows, events, occasional pleasure driving)
- Have a separate daily-use vehicle
Some insurers also require annual mileage limits (usually 1,000–5,000 miles per year) and clean driving records.
What Types of Vehicles Are Covered?
- Classic cars (muscle cars, vintage coupes, etc.)
- Antique vehicles (typically 25+ years old)
- Collector cars and exotics
- Hot rods and custom builds
- Kit cars and replicas (if accepted by the insurer)
- Military or rare import vehicles
What Affects the Cost?
Premiums are typically lower than regular auto insurance because the car isn’t used daily—but rates vary based on:
- Agreed value of the car
- Mileage limits
- Vehicle type and modifications
- Storage and security
- Your location and driving history
Florida Considerations
- Florida’s humid, coastal climate can lead to corrosion—proper storage is key
- You may still need to meet minimum liability coverage to drive legally
- Car shows and parades are popular—make sure you’re covered for events
Whether it’s a weekend cruiser or a show-stopper, we’ll help you find the right coverage—so your classic car stays protected for years to come.
Call to Start your Same-Day Quote. No Pressure, Just Protection 954-965-6940