Man in a convertible enjoying a sunset drive.
Man in a convertible enjoying a sunset drive.

Classic Car Insurance

Modern coverage for your classic car

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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.


Coverage
Real-life scenario
Standard
Optional
Agreed Value Coverage
Receive the amount agreed upon when you took out your policy if the car is declared a loss.1
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Limited Use Coverage
If you only drive 5,000 or less miles a year, you could pay less for your insurance.2
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Roadside Assistance
If your classic car breaks down, we won’t leave you stranded. From a jump start to a tow, our optional 24-Hour Roadside Assistance will get you moving again.3
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Emergency Assistance
Includes all the benefits of Roadside Assistance plus coverage for expenses like taxi fare, lodging, and protection for personal belongings including tools and spare parts left or stored in your car.4
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Diminishing Deductible
Remain claim-free and we’ll reduce your collision deductible by $100 with each annual policy renewal, for up to a maximum of $500 or for five years.5
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Personal Property Coverage
Pays the actual cash value of covered personal property that needs to be replaced due to a covered loss.6
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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

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Take 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.)
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Less than 5k miles per year

Keep your annual mileage below 5,000 miles for the year and you’ll qualify for limited use rates.
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Bundle and Save

Get a discount when you insure your classic car and a regular auto with us, or qualify for a multi-policy discount when you also insure your motorcycle, home, boat, or RV with Safeco.

Enroll in Roadside Assistance for your antique automobile

We know your car has some miles on it – that’s partially what makes it a classic. Don’t get stranded in the event of a breakdown, flat, or any other covered incident that requires emergency assistance or a tow.

Enroll in Roadside Assistance when you purchase classic car insurance through your local independent agent.

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Man works on his classic car on the side of the road.

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.

1Availability varies by state. Subject to deductible.
2Availability varies by state. Conditions and limits apply.
3Coverage is provided on the optional Towing & Labor Coverage endorsement. May vary by state. Applies to mechanical breakdowns and disablements only, and may be subject to limits.
4Conditions and limits apply.
5Availability varies by state. Conditions and limits apply. Not available in all states.
6Availability varies by state. Limits apply.
7Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.