A classic car is typically an automobile 25 years or older, though definitions vary.^{[note 1]} A common theme is of an older car of historical interest to be collectible and tend to be restored rather than scrapped, though sometimes age is not a factor. Classic cars are often considered a subset of a broader category of "collector cars," including restored classic cars and newer exotic vehicles. A subset of classic cars are known as antique cars, manufactured before 1980, or vintage cars, manufactured before World War II.^[1]

Organizations such as the Classic Car Club of America (CCCA) maintain lists of eligible unmodified cars that are called "classic." These are described as "fine" or "distinctive" automobiles, either American or foreign-built, produced between 1915 and 1948.

Post-World War II classic cars are not precisely defined, and the term is often applied to any older vehicle.

Does your vehicle qualify for classic car insurance?

To be eligible for classic car insurance, your vehicle must fit one of the following definitions:

• Classic car: 10 to 24 years old that has historic interest (e.g., a sports car or muscle car).
• Antique car: 25 or more years old that fits one these categories.  
• The Veterans (cars created on or before December 1904),
• Edwardian (vehicles manufactured between January 1905 and December 1918), and
• Limited (rare, special interest or limited editions). 
• If a "classic car" is more than 25 years old, it is considered an antique car for insurance purposes.

Your antique or classic car must also meet these conditions: 

• Limited use: Your antique or classic vehicle should only be used on a very limited basis.
• Condition: The car (generally) must be restored, maintained and preserved in its original condition, or undergoing a restoration. Some insurers may not decline coverage if the vehicle is not in excellent condition.
• Storage: It is required that you store your vehicle in an enclosed building.

Policies for antiques or classic cars include typical vehicle coverage options, such as liability, collision, comprehensive, medical payments and more. We'll help you customize your collector auto insurance policy based on your year, make, and model.