classic car insurance

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We love classic cars as much as you do. If the love of your life is a 1957 Bel Air or a 1966 Pontiac GTO, we know your vintage beauty deserves special treatment. You’ve taken care of your car well and we will too. We specialize in covering antique and classic cars, modified collector cars, reproductions, replicas, restorations, and modern classic cars. Have peace of mind knowing your classic is well-protected and that you’re prepared for the unexpected with Safeco Classic Car Insurance. Contact your local independent agent to get a quote.
Classic Car Insurance Coverage Options
Custom build a classic car insurance policy by choosing the coverage options that are right for you and your vintage beauty.

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Classic Car Insurance Discounts & Savings
With an average cost of less than a dollar a day, Safeco classic car insurance is surprisingly affordable. Talk to your local independent agent about ways to save on your classic car insurance.

+Take an Accident Prevention Course-Take an Accident Prevention CourseTake an Accident Prevention Course
If you're a collector who successfully completes an approved accident prevention course, we'll give you a discount that lasts for three years. Most states require drivers to be 55 years or older to qualify.
+Deter Thieves With Anti-Theft Devices-Deter Thieves With Anti-Theft DevicesDeter Thieves With Anti-Theft Devices
Qualify for a discount when your classic car is equipped with an audible alarm or a disabling device that renders the fuel, ignition or starting system inoperative. If your car has either a LoJack® or Teletrac® system, we’ll waive your comprehensive deductible if your car is stolen while the service is activated.
+Just on Weekends and Holidays-Just on Weekends and HolidaysJust on Weekends and Holidays
You can drive your classic any time you want. But when you drive less than 5,000 miles a year, you’ll qualify for limited use rates. You probably have another daily use car, but like to drive your collector car on weekend tours, leisurely fall trips, and to special events.
+Winter Storage-Winter StorageWinter Storage
Significantly lower your rate when you reduce your coverage to just comprehensive during the winter months, when your classic car is not driven and cozily stored in a safe garage. When cruising season begins again, call your local independent agent to reinstate your liability and any other coverage on your policy.
+More Than One Car-More Than One CarMore Than One Car
Get a discount when you insure your classic car and a regular auto with us.
+More Than One Policy-More Than One PolicyMore Than One Policy
Qualify for a multi-policy discount when you also insure your motorcycle, home, boat, or RV with us.
+Choose a Higher Deductible-Choose a Higher DeductibleChoose a Higher Deductible
Raising the amount you pay out-of-pocket for losses will reduce how much you pay for your policy premium. For example, if you have a $500 deductible, you’ll need to pay the first $500 of a covered loss. A higher deductible generally lowers your premium, but increases the amount you must pay out-of-pocket when you file a claim.
Frequently Asked Questions
+What types of classic cars does Safeco insure?-What types of classic cars does Safeco insure?What types of classic cars does Safeco insure?
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. Talk to a local independent agent to find out if your classic car is eligible.
+What types of classic cars are not insured by Safeco?-What types of classic cars are not insured by Safeco?What types of classic cars are not insured by Safeco?
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.
+How old does my car need to be to qualify as classic?-How old does my car need to be to qualify as classic?How old does my car need to be to qualify as classic?
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.
+Do I have to keep my classic car in a garage?-Do I have to keep my classic car in a garage?Do I have to keep my classic car in a garage?
Yes. In order to qualify for classic car coverage, your car must be stored in an enclosed, locking garage or storage facility.
+I run a classic car limousine service. Can I get coverage?-I run a classic car limousine service. Can I get coverage?I run a classic car limousine service. Can I get coverage?
Safeco insures classic cars used for personal use only. We do not cover classic cars used for any delivery, business, or commercial purpose.
+Is there an annual mileage limit?-Is there an annual mileage limit?Is there an annual mileage limit?
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.
+What does agreed value mean?-What does agreed value mean?What does agreed value mean?
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 on an annual basis to ensure the agreed value is still accurate.
+How is the agreed value of my car determined?-How is the agreed value of my car determined?How is the agreed value of my car determined?
The agreed value of your classic car can be approximated by consulting various sources including vehicle appraisals, the duPont Registry™, ClassicCars, and Buy Classic Cars.
+Where can I drive my car?-Where can I drive my car?Where can I drive my car?
Safeco classic car insurance will cover you and your car in the continental United States and Canada.
+What's an attendance clause and does Safeco have one?-What's an attendance clause and does Safeco have one?What's an attendance clause and does Safeco have one?
An attendance clause requires you to chaperone your classic car whenever it's out of the garage and being used. We do not have this type of clause in our policies.
+How do I make a claim?-How do I make a claim?How do I make a claim?
Call 1-800-332-3226. Our customer service representatives are ready to answer your questions and guide you through the claims process 24 hours a day, seven days a week.
+Do I have to insure my other cars or home with Safeco?-Do I have to insure my other cars or home with Safeco?Do I have to insure my other cars or home with Safeco?
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.
+I'm sold, how do I insure my classic car through Safeco?-I'm sold, how do I insure my classic car through Safeco?I'm sold, how do I insure my classic car through Safeco?

Find a Local Independent Agent
A local independent Safeco agent can help you discover the classic car insurance coverage you need to fit your unique situation.