Collector & classic car insurance for your pride and joy

A motor vehicle 10 to 24 years old that has historical interest.

A motor vehicle over 24 years old that has historic interest.

Your antique or classic car must be used on a very limited basis, such as infrequent pleasure driving, shows, exhibitions, club activities or parades. It can’t be your primary use vehicle.

You need to have restored, maintained, or preserved your antique or classic car, or it must be actively undergoing restoration.* (Some insurers may decline coverages if the vehicle is not in excellent condition).

It must be stored in an enclosed building.

Because these unique cars have no “book value,” a value must be agreed to for the policy. The higher the value the more the policy will cover and this will affect the premium. To come to an agreement on value, you and your agent can weigh many factors like age; condition; type of car, such as kit cars.

The amount you are willing to pay as a deductible will affect your costs and raising the deductible will lower your premium.

If the car is determined to be a covered total loss, we will pay the agreed-upon value, rather than the actual cash value of the car as long as there is no other damage, parts have not been removed and the car's condition has not deteriorated because of abuse or neglect.**

If you’re tinkering, you may need help. State Farm offers up to $500 coverage for your car's spare parts.

During the day or in the middle of the night, you can call your agent's number and speak with a State Farm representative to handle your antique auto or classic car insurance needs.