Classic car insurance, shopped across 20+ carriers
Classic car insurance is a specialty auto policy for collector and antique vehicles, typically offering agreed-value coverage so owners receive a pre-determined payout — not a depreciated amount — if the vehicle is totaled or stolen.
- 20+ carriers compared
- Licensed in 5 states
- Local Las Vegas agents
- No-obligation quote
Affordable classic car insurance in NV, AZ, UT, TX & OH
Collectors and hobbyists in NV, TX, OH, UT, or AZ who own vehicles generally 20–25+ years old that are driven occasionally for shows, exhibitions, or weekend cruises rather than as daily transportation.
As a local broker with access to 20+ carriers, Liberty Choice does the shopping for you and brings back a competitive rate you qualify for — across all five states we’re licensed in.
At a glance
Classic car insurance at a glance
- Agreed value means no depreciation at total loss. Unlike standard auto policies that pay actual cash value (which depreciates), a classic car policy pays the full agreed amount you and the insurer set at inception, so a $50,000 agreed value means a $50,000 check.
- Typically restricted to pleasure use and low annual mileage. Most classic car policies require that the vehicle not be used as a daily driver; annual mileage limits of 1,500-5,000 miles are common, though some carriers offer unlimited or higher mileage tiers.
- Vehicles must generally be 20-25 or more years old. Eligibility requirements vary by carrier, but most define a classic or collector vehicle as one that is at least 20-25 years old, in good cosmetic condition, and stored properly when not in use.
- Nevada registration supports year-round driving. Nevada's mild winters allow classic car owners in the Las Vegas area to drive to shows and events year-round, but the desert heat also makes covered, climate-controlled storage an important component of a carrier's eligibility checklist.
Source: Hagerty, 2025; Insurance Information Institute (III), 2025
Coverage explained
What classic car insurance covers
The details
The parts of a classic car policy
| Coverage | What it covers | Typically |
|---|---|---|
| Agreed value | The full pre-agreed value of the vehicle paid in a total loss, with no depreciation | Recommended |
| Bodily injury liability | Injuries to others when you are at fault while driving the classic vehicle | Required |
| Property damage liability | Damage to other property caused by an at-fault accident | Required |
| Comprehensive | Theft, fire, vandalism, and weather damage to the collector vehicle | Recommended |
| Collision | Physical damage to your vehicle from a covered collision | Optional |
| Uninsured/underinsured motorist | Your losses from an at-fault uninsured driver | Varies by state |
| Spare parts coverage | Original and hard-to-find spare parts stored for the vehicle | Optional |
| Trailer coverage | Coverage for a trailer used to haul the classic car to shows | Add-on |
Requirements vary by state — your Liberty Choice agent confirms exactly what NV, AZ, UT, TX or OH requires.
How does classic car insurance work?
Classic car insurance uses agreed value rather than actual cash value, meaning you and the insurer agree on the vehicle's worth upfront and that full amount is paid in a total loss with no depreciation deducted. Eligibility typically requires the vehicle to be at least 25 years old (varies by insurer), garaged, and used only for shows, exhibitions, or occasional pleasure driving rather than daily commuting. Mileage limits are usually part of the policy conditions.
Pricing
What does classic car insurance cost?
Classic car premiums are based primarily on the vehicle's agreed value, not its age. The figures below are typical ranges for collector vehicles with limited annual mileage and a clean driving record.
| Agreed vehicle value | Typical annual premium |
|---|---|
| Up to $25,000 | ~$200-$500 |
| $25,000-$75,000 | ~$400-$900 |
| $75,000-$150,000 | ~$700-$1,500 |
| $150,000+ | Varies; contact for quote |
Figures are typical averages for collector vehicles with limited annual mileage and a clean driving record. Actual premiums depend on the carrier, vehicle type, storage, mileage tier, and state.
Source: Hagerty, 2025; Grundy collector car guidelines, 2025; Insurance Information Institute (III), 2025
Beyond the basics
Optional & additional coverage
Ask your agent about these add-ons for extra peace of mind:
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Ways to save on classic car insurance
- Keep the vehicle in secure, enclosed storage. Garaging your classic car in a locked, enclosed structure (not a driveway) is one of the biggest rating factors; it dramatically reduces theft and weather-damage premiums.
- Bundle with your primary auto or homeowners policy. Many carriers offer a multi-policy discount when you place your classic car policy with the same insurer as your primary auto or homeowners coverage.
- Stay within a low mileage tier. The lower your agreed annual mileage, the lower your premium; if you drive fewer than 1,500 miles per year, make sure your policy reflects that limit.
- Maintain a clean primary driving record. Classic car underwriters review your overall driving history; a clean record on your everyday vehicle will carry over to favorable classic car rates.
- Insure multiple collector vehicles together. Fleet discounts for two or more collector vehicles on the same policy reduce the per-vehicle premium for hobbyists with a collection.
- Join an approved car club. Some specialty carriers offer rate credits to members of recognized car clubs, viewing club membership as evidence of responsible ownership and storage habits.
Source: Hagerty, 2025; Grundy collector car guidelines, 2025
Questions
Classic car insurance FAQ
What is agreed value coverage and why does it matter for a classic car?
Are there mileage restrictions on classic car policies?
How much does classic car insurance cost?
Can I drive my classic car to work or on daily errands?
What happens if my classic car is totaled or stolen?
Does Nevada have a specific antique vehicle registration that affects insurance?
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