Top Car Insurance Companies That Cover Older Model Vehicles (2021)

There are many car insurance companies that cover older model vehicles. If you are finding numerous car insurance companies that don't cover older model vehicles, it's most likely because you have a classic car. Classic car insurance is available with some providers and will have some different underwriting guidelines. Most older model vehicles will use traditional car insurance companies.

Are you looking for free insurance quotes?

 Secured with SHA-256 Encryption

D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 14, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

The Highlights

  • Most car insurance companies will insure older model vehicles unless they are considered classic cars
  • Classic car insurance is available for older cars but may be valued differently or have restrictions
  • You’ll want to compare rates from multiple insurance companies to get the best rates on an older or classic vehicle

If you’re shopping for a used vehicle, you might be curious about car insurance companies that cover older model vehicles. Depending on your vehicle, comparing car insurance companies could save you a small fortune.

Not many people want to research every car insurance company to find the best rate. That’s why we’ll simplify the insurance considerations for older cars, how to get classic car insurance, and more.

Before you know it, you’ll have everything you need to know about car insurance companies that cover older model vehicles. Until then, enter your ZIP to get instant quotes from top car insurance companies near you.

Who has the best older car insurance?

Finding the best insurance for an older vehicle will depend on the vehicle’s age, where you live, how often you drive, and your driving record. If you’ve been in many accidents, it might not make a difference which insurance company you choose.

As far as insuring older vehicles go, their age is the biggest concern when determining the most appropriate insurance company. Most cars that are less than 25 years old won’t have any particular insurer that offers a benefit.

Do older cars cost more to insure?

Older cars can sometimes be more expensive to insure, but this is usually for classic cars rather than aging daily drivers. For example, if you have a 1990 Ford F150, it would probably cost less to insure than a 1990 Porsche 911.

The status of your vehicle and how you drive it will be the primary factors that determine your rate when it comes to older models. Your insurance provider may have a specific classification for your vehicle if you’re looking for classic car insurance.

What is classic car insurance?

What makes a classic car classic? Classic car classifications and coverage will depend on each insurer’s guidelines. Some insurers label classic cars as any over a certain number of years old, while others classify classic cars are older than a specific year.

Other companies, like Hagerty, have additional classifications for classic cars which include a collector’s car or an enthusiast’s car. These classifications revolve around the insurer’s believed value of the car.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

 Secured with SHA-256 Encryption

Classic car coverages vary greatly and may have specific other restrictions on driving usage or storage to prevent undesired damage to your vehicle, according to the Insurance Information Institute.

Just because you have an older car doesn’t mean you’ll need or want classic car coverage. In fact, there’s a good chance you’ll pay less for normal car insurance than you would for classic car insurance.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

 Secured with SHA-256 Encryption

What are the best companies for classic car insurance?

The best classic car insurance companies will differ from many of your traditional car insurance companies. Most name-brand car insurance companies either don’t offer classic car insurance, or they provide it with another company’s policy.

For those car insurance companies that don’t cover older model vehicles, it’s most likely due to the fact that the car is classic or antique.

Some notable classic car insurance providers include:

  • State Farm
  • Grundy
  • Hagerty
  • American Modern
  • American Collectors
  • Heacock
  • J.C. Taylor
  • Safeco

Finding cheap classic car insurance will be dependent on your driving record, vehicle value, and what type of coverage you have on your car.

What limits should I have on car insurance for my classic car? Your coverage amounts should be based on your vehicle worth and how often you drive.

In some cases, it may be necessary to search for additional coverage options. For example, if you didn’t want to buy Grundy classic car insurance because your classic car is strictly for show, you could insure it with a special collections policy.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

 Secured with SHA-256 Encryption

To find the best classic car insurance rates, you’ll want to get quotes from multiple companies since some might be more flexible when valuing your vehicle.

For an older car that isn’t categorized as a classic car, you’ll simply want to search for discounts on insurance that you can apply for driving habits, vehicle features, and even for affiliations at work.

Car Insurance Companies That Cover Older Model Vehicles: Key Takeaways

If you’re driving an older vehicle and you want cheaper insurance, you’ll want to search for discounts and compare rates from top insurance providers. Classic car insurance can be affordable with the right company.

Finding car insurance companies that cover older model vehicles shouldn’t be hard. While you’re here, enter your ZIP to get free quotes from top insurers near you.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

 Secured with SHA-256 Encryption