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Get DirectionsIf you’re a classic car owner or collector, obtaining the right amount of insurance is essential. The minimum auto insurance required for a classic car depends on state law, how the vehicle is used, and whether it’s already insured under a traditional or classic policy. While the rules may seem similar, classic cars come with additional considerations. If you’re located in Green Valley, AZ, Insurance Center of Green Valley can help you find the auto insurance you need.
State Minimum Liability Still Applies
Even if you own a classic car, minimum liability insurance is still required. This typically includes protection against:
- Bodily injury (per person and per accident)
- Property damage liability
These minimum requirements vary by state, which is why it’s important to work with an agent near you.
How Classic Car Insurance Steps In
Classic or collector car insurance typically meets or exceeds state minimums, but with specific conditions:
- The car must not be used for daily driving
- Annual mileage is limited
- The vehicle must be stored in a secure facility or garage
- You must own a separate primary vehicle for daily use
As long as these requirements are met in your state, classic car policies satisfy legal minimums while offering specialized protection. Your agent can guide you through these options when comparing policies.
Understanding the minimum coverage required for your classic car is crucial, even if you store it for most of the year. The more familiar you are with your insurance and protection options, the easier it will be to find a policy that suits your needs. If you’re located in Green Valley, AZ, Insurance Center of Green Valley is here to help. Contact us today for a quote and consultation to learn more about properly insuring your classic car.