Classic Car Insurance

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Monday-Friday, 8 a.m. to 6:30 p.m. ET

Your Collector Car Deserves Customized Coverage

If you have a classic car, the AARP® Auto Insurance Program from The Hartford1 has the policy for you. Through American Modern Insurance Group, we offer antique and classic car insurance designed specifically to protect the unique cars that are so important to you at an affordable rate. Get a classic car insurance quote today by calling 800-555-2510 to learn more.

Classic Car Insurance Discounts

Your classic car or antique vehicle is eligible for a lot of the same discounts on insurance as “everyday” cars. For example, you may qualify for discounts if you have an anti-theft device in your car, if you take an approved defensive driver course, or if you have other auto or home insurance policies with The Hartford.

Classic Car Insurance Coverage

With classic car insurance from The Hartford, the amount of coverage needed to repair or replace your  antique or classic car is determined using it’s “actual cash  value” (ACV) – also known as fair market value.
The following coverages are available (varies by state):
  • Bodily Injury Liability
  • Property Damage Liability
  • Physical Damage to your auto (mandatory for collectible autos)
  • Medical Payments
  • Uninsured/underinsured motorists
  • No-fault

Add Even More Collector Car Coverage Options

For an additional premium, you may be able to add the following optional coverages for your classic car (varies by state):
  • Flatbed Towing
  • Trip Interruption
  • Full Glass
  • Spare Parts

24/7 Roadside Assistance

When you’re stranded, you want to call someone you can depend on. Now you can include emergency roadside service for your classic or antique car. Whether it’s to add gas to your tank, fix your flat tire or unlock a door, we will send qualified service to assist you – whenever and wherever you need it.

Questions About Classic & Antique Auto Insurance

What Is Agreed Value?

Some classic auto insurance providers state the coverage amount - to repair or replace the vehicle - in a policy based on agreed value. Agreed value is typically derived from documentation like appraisals, photographs and receipts which the insurance company and policyholder use to come to an agreement on the value of the antique or classic car.

What Is the Difference Between an Antique & Classic Auto?

The Hartford defines an antique auto as being manufactured at least 25 years ago, and driven primarily in parades and exhibitions, and infrequently for other purposes. The Hartford defines a classic auto as a motor vehicle of the private passenger type which is 10 or more years old and may be used on a regular basis. Its value is significantly higher than the average value of other autos of the same make and model year.

Is Antique Auto Coverage Restricted to Parades & Exhibitions?

No. While The Hartford’s Antique Auto coverage is designed to cover your antique autos’ use primarily in car club activities, exhibitions, parades and other functions, it also covers you if you need to infrequently use your antique auto for other purposes.

What People Are Saying About The Hartford Classic Car Insurance

 “The Hartford was awesome in handling my accident claim. Their representatives were very kind, helpful and compassionate. The agent that was assigned my case was very accessible and transparent with all my needs. The Hartford allowed me the opportunity to choose the Body Shop I felt most comfortable with. They had my rental car ready to go – I had to just say my name and off I went after dropping off my car to be repaired! All in all, I cannot say enough positive things about The Hartford. Considering how stressful an accident can be, they made this unnerving event a very non-stressful experience.”
“The Hartford recommended an excellent collision shop and rental car agency. The accident rattled me, but I was assisted every step of the way by wonderful people.”
“The claim process my family and I had to go through was sweatless and quick. The representative handling our claim was very efficient and very responsive. I would highly recommend Hartford Insurance to anyone looking for great car insurance!”
Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change.
This Program is underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Southern Home Insurance Company in FL and LA, Consumer County Mutual Insurance Company in TX, American Family Home Insurance Company d/b/a AFH Insurance Company (Lic. No 2961-1) in CA, and American Modern Home Insurance Company in all other states, through Nutmeg Insurance Agency Inc. Nutmeg Insurance Agency Inc. is an affiliate of Hartford Fire Insurance Company, One Hartford Plaza, Hartford, CT 06155. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by the insurance companies of American Modern Insurance Group, Inc.
Additional disclosures below.
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.