Classic Car Insurance
Modern coverage for your classic car
Get to know your classic car coverage options
We love classic and antique cars as much as you do. Learn more about the unique coverages we offer below, then contact a local agent to discuss the right coverage for you and your vintage ride.
We offer so many more coverage options at Safeco. Connect with a licensed independent agent near you to determine the best coverage options for your antique automobile.
You could save money with Safeco's classic car discounts7
Take an accident prevention course
Less than 5k miles per year
Bundle and Save
Enroll in Roadside Assistance for your antique automobile
Common classic car insurance questions
Looking for answers? Browse the most frequently asked questions below, or contact an agent to discuss Safeco classic car insurance today.
- We specialize in covering classic cars, modified collector cars, reproductions, replicas, restorations, modern classic cars and antique autos. Cars we insure are unique and have intrinsic value. They also tend to retain or increase in value over time. Our classic car insurance does not cover kit cars, restoration cars rebuilt to less than 50 percent, cars designed for racing or cars with a jet or nitrous oxide engine. Talk to a local independent agent to find out if your classic car is eligible.
- Classic cars must be at least 10 years old and can include modified antiques and limited production cars. Modern classic cars must be limited production cars less than 10 years old. Antique cars must be at least 25 years old and have no modifications or have been restored to their original condition. Other restrictions may apply. Ask your local independent agent if your car can be insured with Safeco classic car insurance.
Safeco offers the option of regular use coverage, which allows you to drive your car for up to 10,000 miles per year. Restricted use coverage allows you to drive up to 5,000 miles per year.
Prior to issuing your policy, we work closely with you to come to an agreement on the value of your car, based on your car's market value and condition. If your car is declared a total loss after being stolen or damaged, you will receive that amount. All you pay is the deductible. It's a good idea to review your policy with your agent on an annual basis to ensure the agreed value is still accurate.
- No, your classic car can be insured by itself. However, if you insure your classic and regular auto on the same policy you can qualify for a multi-car discount.