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Personal coverage

Classic / Collector Car Insurance

A standard auto policy pays only a depreciated "actual cash value" after a loss, which badly shortchanges a classic or collector car that has appreciated over time. Specialized collector coverage instead uses an agreed value — a figure you and the insurer set upfront — so a total loss pays the car's true worth rather than a used-car estimate.

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Who this coverage is for

This is for owners of classic, collector, antique, or specialty vehicles that are more than everyday transportation. It is designed around cars that are carefully maintained, often appreciate in value, and deserve coverage that reflects what they are truly worth.

What it can help protect

Classic car insurance is tailored to prized, low-use vehicles:

  • Agreed value — coverage based on a value you and the insurer agree on up front, rather than everyday depreciation.
  • Your vehicle — repairs or a payout after a covered collision, theft, fire, or other event.
  • Specialized repairs — support for using appropriate parts and skilled restoration work, when included.
  • Liability — costs if you cause injury or damage while driving the vehicle.
  • Spare parts — coverage for certain parts and accessories, depending on your policy.
Regularly misunderstood coverages
Agreed/Stated Value vs. Actual Cash Value

Will you get the value you agreed on, or a depreciated one?

Related comparisons:

Key choices and underwriting factors

A licensed review will usually focus on vehicle condition and appraisals, storage and mileage/use patterns, and collection-level planning for multiple vehicles.

Common Questions