The age at which your vehicle will fall under the "antique" or "collectible" category is entirely dependent upon the state where you live. It is best to speak with an antique auto insurance provider in your area to get the exact requirements for this type of insurance, but the general guidelines below may help.
In most states, the age requirement for a car or truck to be categorized as an antique is usually at least 25 years. Some states have a 35 year requirement. More rarely, certain states have antique auto requirements of only 20 years. However, 20 years is the minimum age at which any U.S. state will classify an auto as a classic or as an antique.
The age of the vehicle might not be the only determinant, and each state does have their own individual guidelines regarding what cars are fit to bear that coveted "classic car" license plate. Just because a car is very old does not necessarily mean that it is going to be given the antique auto designation. One example would be that if you have a vehicle that is 35 years old, but is in a bad state of repair and is not currently running. Such a car would be unlikely to be classified as an antique for insurance purposes.
If you own a vehicle that you feel might qualify for antique auto insurance, our insurance agents would be happy to talk to you about getting the coverage that you need. We offer competitive pricing and live comparative rates from multiple major carriers, all in one convenient place. Feel free to give us a call or to use our comparison tool on our website anytime! We are happy to help you get the antique auto coverage you need.
