Classic Car Insurance Quotes & Coverage | Orbit Insurance Services

Every classic covered

What types of classic cars can I insure?

From antique roadsters to collector-grade muscle cars, Orbit finds the right coverage for your prized possession.

Muscle Cars

High-performance American classics built for speed. Specialized coverage protects the engine, custom parts, and collectible value of your muscle car.

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Luxury Classics

High-end vintage vehicles known for craftsmanship and prestige. Tailored insurance addresses premium repair costs and protects their significant market value.

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Convertibles

Classic open-top vehicles with retractable roofs need specialized coverage for their unique mechanics, custom soft-tops, and weather-related exposure risks.

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Antique Cars

Typically 45+ years old, antique cars carry historical significance. Agreed-value coverage ensures you're compensated for their true worth, not depreciated value.

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Vintage Cars

Early to mid-20th century vehicles offer timeless design and historical importance. Proper coverage guards against accidents and costly restoration expenses.

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Collector Cars

Sought-after for rarity and design, collector cars are significant investments. Comprehensive coverage protects against theft, damage, and value depreciation.

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Sports Cars

Built for performance, classic sports cars offer thrilling drives. Comprehensive protection keeps them safe from unexpected events while preserving peak performance.

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Standard Auto

Not sure if your vehicle qualifies as classic? We cover everyday cars too. Our agents will find the right policy for any vehicle you drive.

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Why Orbit

Why Orbit is the best choice for classic car insurance

Agreed-Value Coverage

We lock in your vehicle's value upfront so you're paid exactly what it's worth — no depreciation deductions in a total loss.

Specialist Agents

Our agents understand classic cars and know what questions to ask to build a policy that fits your vehicle's unique needs.

Flexible Mileage Options

Whether you drive seasonally, to shows, or store year-round, we match your mileage to the right plan — saving you money.

Custom Parts Protected

Aftermarket upgrades, restoration work, and rare original parts are all covered — not just the base vehicle value.

Online, Phone, or In-Person

Get covered however you prefer — from your home, over a call, or sitting down with one of our agents.

Talk to a classic car expert

A real agent is ready to walk you through your options and help protect your prized vehicle the right way.

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Coverage options

What coverages can I get for my classic car?

Classic car insurance goes beyond standard auto coverage. Here are the key protections to consider for your vehicle.

Agreed Value Coverage

If your classic car is totaled, you're reimbursed based on the pre-agreed amount — not the depreciated market value at time of loss.

Comprehensive Coverage

Covers non-collision losses like theft, vandalism, fire, hail, flooding, and wildlife damage — essential for any high-value vehicle.

Collision Coverage

Helps cover repair or replacement costs if your classic is involved in an accident, regardless of who is at fault.

Liability Coverage

Protects against financial losses from third-party claims for property damage or bodily injury caused in an accident.

Custom Parts & Equipment

Covers aftermarket modifications, restorations, and custom upgrades installed on your classic vehicle from theft, damage, or loss.

Roadside Assistance

Emergency help when you need it — towing, tire changes, fuel delivery, and jumpstarts so you're never stranded far from home.

The basics

What is classic car insurance?

Classic car insurance is a specialized type of auto insurance reserved for vintage, antique, and collectible vehicles. Unlike standard car insurance, which depreciates your vehicle's value over time, classic car insurance typically operates on an "agreed value" basis — meaning you and the insurer agree on your vehicle's value upfront. If your car is declared a total loss, you receive that agreed amount in full, with no deductions.

Generally, any vehicle 20 to 25 years old with a current value exceeding the typical depreciated value of a similar-year vehicle may qualify as a classic. Because these cars are driven less frequently and maintained with extra care, premiums are often lower than standard auto insurance policies. Coverage typically includes liability, collision, comprehensive, and options for custom parts — giving your investment the specialized protection it deserves.

Good to know

Frequently asked questions about classic car insurance

Often, yes. Classic cars are typically driven less frequently and stored carefully, which reduces risk in the insurer's eyes. Lower annual mileage and careful storage can significantly reduce your premiums compared to a standard daily-driver policy.

Most insurers consider vehicles 20 to 25 years old as classic or collectible, though the exact requirement varies by carrier. The vehicle must also typically exceed the average market value of similar-year cars to qualify for classic coverage.

Most classic car insurance policies impose annual mileage limits — often between 2,500 and 10,000 miles per year depending on your carrier and policy type. This helps confirm the vehicle is used for pleasure, shows, or storage rather than daily commuting.

Many insurers prefer or require that your classic car be stored in a secure, enclosed location such as a garage. This reduces risk of theft, vandalism, and weather damage. Not having a garage may still be workable — speak with one of our agents about your specific situation.

Yes — many classic car policies include or allow optional coverage for custom parts, aftermarket upgrades, and restoration work. This ensures your investment in improving or restoring the vehicle is protected, not just its base value.

Classic car insurance is designed for vehicles used occasionally — for pleasure drives, car shows, or weekend use. If you plan to use the vehicle as your primary daily driver, a standard auto policy may be more appropriate. Our agents can help you decide the best fit.

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