Classic Car Insurance

Your classic car deserves customized coverage.

If you have a collectible car, the AARP® Auto and Homeowners Insurance Program from The Hartford1 has the policy for you. We’ve partnered with American Modern Insurance Group to offer collectible car insurance designed specifically to protect the unique cars that are so important to you at an affordable rate. Get a quote today to learn more.


Your classic car or antique vehicle is eligible for a lot of the same discounts on insurance as  “everyday” cars. For example, you may be eligible for discounts if you have an anti-theft device in your car, if you take an approved defensive driver course, or if you are a member of a car club.

Insurance Coverage

In most states, the amount of coverage needed for your antique car is determined using "agreed value" – the amount of coverage that you and The Hartford agree on as the value for the car, based on a recent, certified appraisal or photos of the vehicle.
The following coverages are available (varies by state):
  • Bodily Injury Liability
  • Property Damage Liability
  • Physical Damage to your auto (mandatory for collectible autos)

Add Even More 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 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.

Hassle Free Claim Service

Should you have a claim, it’s good to know that your insurance company has the collectible car knowledge and experience to make the claims process as smooth as possible.


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.