The Zebra
Compare 100+ insurers
4.7
- APR
- Varies
- Min. credit
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- Loan amount
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- Term
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Best of 2026 · Classic
Best Classic & Antique Car Insurance in 2026
A 1968 Ford Mustang fastback insured by Geico runs $1,400–$2,100/year. The same car at Hagerty: $250–$450. The difference is agreed-value coverage, low-mileage assumption, and restricted-use clauses — all of which slash premiums for cars driven sparingly.
Rates as of May 23, 2026
Top classic car insurance
Live APR ranges, refreshed regularly. Soft-pull pre-qualification available at most lenders below.
| Lender | APR | Min. credit | Loan amount | Term | Rated | |
|---|---|---|---|---|---|---|
The Zebra Compare 100+ insurers | Varies | — | — | — | 4.7 | |
LendingTree Insurance Best multi-quote tool | Varies | — | — | — | 4.5 |
LendingTree Insurance
Best multi-quote tool
4.5
- APR
- Varies
- Min. credit
- —
- Loan amount
- —
- Term
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APR ranges are sourced from each lender's public site and are updated regularly. Your actual rate depends on credit history, loan amount, vehicle, and state. CarSavr may earn a commission when you apply through our links — it never affects how we rank lenders.
How we ranked these
Our methodology for collectors with garaged, low-mileage classics
- Agreed-value coverage
Lock in the payout amount upfront — no depreciation arguments at claim time.
- Low-mileage policies
1,500–7,500 miles/year cap for the cheapest tier.
- Specialist underwriting
Carriers that specifically write classic, antique, and collectible vehicles.
- Concierge claims service
Dedicated claims adjusters familiar with classic car valuations and restoration parts.
Keep reading
Frequently asked questions
What qualifies as a classic car?
Definitions vary: antique = 25+ years old (mostly stock); classic = 19–24 years old (good condition); modern collectible = under 19 years but rare/limited (Tesla Roadster, GT350R, R34 Skyline). If you've spent $20K restoring a 1985 Toyota Pickup, you have a modern collectible.
Can I daily-drive my classic with classic insurance?
Usually no. Classic policies typically prohibit daily commuting, driving in heavy rain/snow, and parking outside an enclosed garage. The restrictions are what make the premium 60–80% lower.
Do I need an appraisal?
Recommended for any classic worth $40K+. An independent ASA-certified appraisal ($150–$300) supports your agreed-value number and is harder for an insurer to argue against.
Are modifications covered?
Most classic insurers will cover documented restoration mods (period-correct upgrades, OEM-spec rebuilds). Heavy custom mods (engine swaps, frame modifications) require disclosure — some carriers refuse, others charge a small surcharge.