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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Sep 24, 2021

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The Short of It

  • Car insurance for your classic car or truck have usage limits, storage requirements, and other qualifying regulations
  • Not all car insurance companies have the same classic car classifications on age or value
  • Unlike a traditional car insurance policy, classic car or truck insurance is based on an agreed-upon value

If you’ve purchased or inherited a classic truck, you might be searching for auto insurance companies that insure older trucks. Finding car insurance coverage for old or classic vehicles can be a unique process.

Insuring old or classic trucks can get expensive if you aren’t careful. We’ll help by explaining how to save on classic car insurance and where to get the best classic and collector car insurance, including trucks.

Excited to learn more about car insurance companies that insure older trucks? Before you do, enter your ZIP to get instant quotes from top car insurance companies near you.

How do I find the best classic auto insurance?

If you’re searching for insurance for an older truck, the best insurance will depend on the age of your truck, what state you live in, and how you intend to use your truck.

If your truck is from the 21st century, chances are you’ll purchase insurance the same way as you would for your daily driver. Older vehicles that many consider classic will require a little extra digging to get insured appropriately.

How old does a car have to be to get classic auto insurance?

This depends largely on the car insurance company’s guidelines. For example, Hagerty Insurance Agency classifies “classic” cars as vehicle models from the 1970s or earlier.

On the other hand, Hagerty does differentiate between a collector’s car and a classic, or enthusiast’s, car. In short, a classic car appreciates in value and is not used regularly to preserve the value.

A collector’s car is usually a vehicle that a person might find to be intriguing, however, they aren’t particularly rare and can be driven regularly since the value is depreciating.

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Other insurers, such as State Farm, will differentiate between a classic car and an antique car. With State Farm, a “classic car” is 10-24 years old while an “antique car” is 25 years or older. Each has to have some type of historic value.

At the end of the day, the age of a classic car by your standards will have to align with your insurer’s standards. Unfortunately, this means you’ll need to speak with an agent to discuss your truck’s age, model, and so on.

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What are the best companies for classic auto insurance?

As you can see above, there will likely be some variance in the best classic car insurance by car type and age. Classic car insurance companies each follow different standards which makes it difficult to guarantee which will be best for your vehicle.

Beyond that, classic car insurance requirements can vary based on your vehicle’s make and model. For example, some insurance providers require limited usage, special conditions, and may even have storage requirements.

If your classic car is also your daily driver, you won’t find as many insurance companies willing to take on the risk.

How do I find the best classic car insurance?

If you have a classic truck that you believe is worth a small fortune, you’ll want to get quotes from multiple classic car insurance companies.

This is important because classic cars often follow different pricing guidelines. Basically, insurance companies can’t rely on Kelly Blue Book to determine the value of a mint condition truck from the 1940s.

Instead, the insurer and the policyholder must come to an agreement on the vehicle’s worth. There’s a chance that the insurance company won’t be willing to cover your classic truck for what you find fair.

If you compare Grundy classic car insurance to State Farm car insurance, there might be different driving rules, coverage limits, and more. According to the Insurance Information Institute, you may only qualify for classic car insurance if you have a clear driving record.

What limits should I have on car insurance for my classic car? This depends on your intended usage. Some classic cars are only brought out during car shows, their limits will differ from those that are driven regularly.

Some of your top options for classic car insurance include:

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

Overall, the above car insurance providers could be the best options when insuring your older truck. Be sure to inquire about rates and policy details that fit your needs.

Auto Insurance Companies That Insure Older Trucks: Key Takeaways

If you want to get the cheapest insurance for your classic car or truck, you’ll need to compare quotes and investigate the stipulations associated with different classic car insurance providers.

Overall, you shouldn’t have much trouble finding auto insurance companies that insure older trucks, but your rates depend on your research. Before you go, enter your ZIP to get free quotes from top insurers near you.