Classic car insurance in California is specialized coverage designed specifically for vintage and collectible vehicles. Unlike standard auto insurance policies that factor in age, mileage, and depreciation, classic car insurance protects your investment with tailored benefits suited to how you actually use your vehicle.
Your classic car is valued at the time you purchase the policy, and in the event of a covered total loss, you receive the full agreed-upon amount (minus any applicable deductible). This ensures your vehicle's true value is protected, rather than being subject to standard depreciation calculations.
Classic car policies are designed for vehicles that are not your primary daily driver. Your classic car should be used for pleasure driving, club functions, exhibitions, organized meets, and tours—not for commuting to work, school, or running errands.
Most classic car insurance policies in California impose annual mileage limits, typically ranging from 1,000 to 7,500 miles per year, depending on your insurer. This reflects that classic cars are meant to be enjoyed occasionally rather than driven daily.
Your vehicle should be stored in an enclosed, secure structure when not in use—such as a private garage, pole barn, or rental storage unit. Some insurers may accept alternative storage options beyond traditional garages.
Classic car policies offer higher liability limits, multiple deductible options, and coverage tailored to your specific needs as a collector vehicle owner.