A classic car is not your average run-of-the-mill vehicle. Unlike most cars, these classic vehicles tend to be older and increase in value over time. Collectors seek out these classic cars.

When is a vehicle considered a classic? That depends. Definitions vary widely with various car clubs, collector organizations, individual insurance companies and states having their own rules about classic cars.

Learn how old a car must be to be considered a classic and whether you need classic car insurance coverage.

Key Highlights
  • Car collector organizations define “classic cars” based on the vehicle’s age and special qualities.
  • Insurance companies may define a “classic car” as being 25-30 years old and of interest to collectors or historians.
  • States may have their own rules to define “classic cars” based on age and type of vehicle.
  • Insurance for classic cars offers protection in ways a standard auto policy wouldn’t: Reimbursement of the car’s value even if it appreciates, specialized repair and towing coverage in case of a breakdown, or if the car needs special parts.
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Written by:
Erik Martin
Contributing Researcher
Erik J. Martin is a Chicago area-based freelance writer whose articles have been published by AARP The Magazine, The Motley Fool, The Costco Connection, USAA, US Chamber of Commerce, Bankrate, The Chicago Tribune, and other publications. He often writes on topics related to insurance, real estate, personal finance, business, technology, health care, and entertainment. Erik also hosts a podcast and publishes several blogs, including Martinspiration.com and Cineversegroup.com.
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Laura Longero
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Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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What makes a car a classic?

When does a car become a classic? There is no single definition of what makes a vehicle “classic.” The Classic Car Club of America says a “Full Classic” is a fine or distinctive automobile built between 1915 and 1948. By this club’s definition, most classic cars had special qualities when produced. They were:

  • Highly-priced
  • At the top end in terms of quality
  • Built-in limited quantities

The club states that mass-produced assembly line vehicles cannot be considered classics. This differs sharply from insurance company definitions of automotive history, which tend to view cars as classic provided they are roughly 25 to 30 years old and of interest to collectors. Examples might include hot rods and muscle cars.

How old is an antique car? The Antique Automobile Club of America says the definition of an “antique” vehicle has changed over the years. In 1974, the rule was widened to include all cars 25 years old or older, and that standard remains in place today.

Finally, American Collectors Insurance has its own definition of classic car years. It lists three types of special used collector cars used:

  • Vintage: manufactured between 1919 and 1930
  • Antique: manufactured in 1975 or earlier
  • Classic: manufactured in 2000 or earlier

Are classic cars expensive to insure?

No. Classic car insurance usually costs about 36% less than a standard auto policy.

Frequently asked questions: Classic cars

Is a 20-year-old car a classic?

Is a 20-year-old car a classic? Some insurers and car organizations might say “yes.” In general, though, auto insurance companies consider a vehicle eligible for “classic” status once it is at least 25 to 30 years old, according to the Insurance Information Institute.

However, car insurance companies have their own definitions. For example, you are eligible for State Farm classic car insurance if your vehicle is aged 10 to 24 and has “historical interest,” such as a hot rod or muscle car.

What about a 25-year-old car — is it a classic car?

Once a vehicle like this is 25 years old, it is an “antique” in State Farm’s eyes and is no longer considered classic or eligible for classic car insurance.

Geico classic car insurance is available on cars that are at least 25 model years older and meet other criteria: a new exotic car; common antiques; used sports cars; a new replica car like a 1966 Batmobile; or a classic military vehicle, hearse or fire truck.

The type of vehicle can also make a difference. For example, how old does a truck have to be a classic? The answer can be different than with a car.

Hagerty Insurance offers only collector car and classic car insurance on the model year 1979 and older cars. But it offers collector truck and SUV insurance on vehicles at least 15 years old.

Do I need classic car insurance?

Classic car insurance can be a good investment for owners of special or vintage vehicles too. This coverage protects your classic cars in ways that a standard auto policy does not.

For example, classic car insurance reimburses you for the car’s value. Unlike most vehicles, which depreciate as the years roll on, classic cars often increase in value.

These policies also tend to allow you to bring your vehicle to a specialized repair shop should it need to be fixed. Such shops often charge much higher costs than a typical repair shop, but the sellers of classic car policies understand the importance of specialized service if the job is to be done right on classic cars.

Finally, these policies might offer coverage for special types of towing guaranteed to protect the car in the event of a breakdown and coverage for specialized — and often expensive — spare parts.

How old does a car have to be to be considered an antique?

As mentioned previously, the Antique Auto Club of America says “antique” cars are 25 years old or older.

By contrast, American Collectors Insurance says an antique car was manufactured in 1975 or earlier.

States may also have their own rules regarding vintage automobiles. Some states also may use terms other than “antique” in describing older cars.

How old is a vintage car?

What age is a car considered vintage? As mentioned above, American Collectors Insurance considers a car to be “vintage” if manufactured between 1919 and 1930. However, definitions may vary. And, as with antique cars, states may have rules for what qualifies as a “vintage” car.

Are vehicles older than 25 years old tax-exempt?

This depends on your state. Most states impose sales tax on classics, but some states, like Montana and Alaska, don’t. In some states, the sales tax for classic, vintage and antique cars, or vintage cars is the same as any other car, but in other states, the amount differs for classics. Check your state’s sales tax laws so you’ll know what to expect.

Can a car last 30 years or more?

Yes. Many vehicles reach antique or vintage status and last longer than 30 years.

Final thoughts: How many years old is a classic car?

If you are a lover of classic cars, you know there are significant time, financial and emotional investments in these vehicles. Classic cars, antique cars and vintage cars bring a sweet nostalgia and sentimental value that often exceed their financial value to classic antique and vintage and owners. They’re practically part of the family.

Knowing whether or not your vehicle is a classic, antique or vintage is important for more than just prestige. It may mean a classic car insurance policy is more suitable than a standard auto insurance policy. If you’re still not sure if your car is a classic, speak with your insurance company. They can help to ensure you have the proper coverage.

Sources

  1. The Antique Automobile Club of America. “America’s Car Club” Accessed September 2024.
  2. The Hagerty Group “Classic Car Insurance” Accessed September 2024.
  3. State Farm “Collector & classic car insurance” Accessed September 2024.
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Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.

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Contributing Researcher

Erik J. Martin is a Chicago area-based freelance writer whose articles have been published by AARP The Magazine, The Motley Fool, The Costco Connection, USAA, US Chamber of Commerce, Bankrate, The Chicago Tribune, and other publications. He often writes on topics related to insurance, real estate, personal finance, business, technology, health care, and entertainment. Erik also hosts a podcast and publishes several blogs, including Martinspiration.com and Cineversegroup.com.