Classic Car Insurance Requirements

As a car enthusiast, you should know that not all cars are called classic cars; some are antique or exotic.

Classic Car Insurance Requirements

So what cars can be called “Classic” cars, and most importantly, what does this classic car needs to be insured? Let’s start with the easy one.

Which cars are considered classic cars?

According to the Classic Car Club of America (CCCA), the definition of a classic car is a “‘Fine” or “Distinctive” automobile manufactured from 1915 to 1948.

How Much Does Classic Car Insurance Cost?

Classic car insurance requirements

When you find out that the vehicle you have falls under the classic car category, you definitely want to get it insured, and if you so insure it, you need to obey some rules set by insurance companies to keep your vehicle safe.

1. Classic cars are NOT for everyday use.
2. You should not use your classic car off-road.
3. You should not race with it.
4. For insuring these kinds of vehicles, the car must be in good shape.
5. You can drive it occasionally or to special parades or clubs, but there is a mileage limit that your insurance provider sets.
6. You have to park and keep your classic vehicle in secure and fully enclosed places such as:

• Garage
• Carport
• Storage facility
• Pole barn
• Car condos
• Storage units
• Car hauling trailers
• Car Capsules designed for exterior storage
• Non-public parking with 24-hour security such as an alarm system, security guard, or video surveillance

Believe it or not, you, the driver, must qualify to drive a classic car too, and it doesn’t limit to age, but of course, age is one of the limitations.

The driver of a classic car:

1. Must be 25 old and older.
2. Have to have at least five years of behind-the-wheel experience.
3. Have a good driving record.
4. Have no more than one at-fault accident.
5. Own a typical vehicle for daily use.
6. Agree not to race with the classic car.
7. Everyone you let uses your classic car must be specifically listed on the insurance policy. Remember that excluded drivers will not be covered.

If you violate any of these rules, you will be held responsible for any damage or replacing cost, which in simple speech means more money out of your pocket.

Want to know what cars are considered classic cars? Check our article on

Official list of Approved CCCA Full Classics