Alani es una escritora independiente especializada en finanzas personales. Su objetivo es hacer que los temas complejos sean más accesibles a través de contenidos divertidos y digestibles.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Your classic or antique car is unique, so standard insurance may not offer adequate coverage to protect your investment. Insurers tailor classic car insurance to a car’s value and how often you drive it. In New York, vehicles also face weather-related risks like flooding, coastal storms, and extreme heat.[1] That’s why having the right coverage — and climate-controlled storage — is especially important for classic cars.
Insurance for classic cars often includes policy limits and restrictions on how often you can drive the car. Since these factors can affect your coverage and premium, it’s a good idea to compare insurance companies to find the best fit for your classic car.
Quick Facts
Classic car insurance offers liability, collision, and comprehensive coverage.
Insurers may enforce restrictions based on mileage, storage, and driver profiles.
Your car’s value helps determine your insurance premium.
Best antique car insurance companies in New York
The best antique car insurance companies aren’t the same for everyone. Consider factors such as your vehicle type, its value, and how you use it to find the right classic car insurance for you.
Hagerty: Best overall
Hagerty is the top pick for many New York drivers who own classic cars, based on its extensive coverage offerings. The company covers a wide range of vehicles, including race cars, modified cars, and exotic cars.
You can also buy “vehicle under construction” insurance if you’re restoring a collector car. This increases your car’s coverage value by 10% each quarter — up to a maximum of $25,000 — ensuring your car is covered as work progresses.
Pros
Partners with several major insurers to provide coverage
Drivers Club offers unlimited towing and other perks
Option to drive up to five months per year
Cons
Spare parts coverage limited to $750
No coverage for daily use, off-road, or recreational vehicles
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$90/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$149/mo
4.5
Best choiceBased on 820 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (464)
Robert
April 14, 2025
Verified Review
Good Luck
This was the worst claims experience I've ever had. The claims representative refused to return my calls, answer my texts, or respond to my emails. It took two years to complete the claim, causing hours of unnecessary stress. I felt completely ignored by Safeco.
Clark
April 10, 2025
Verified Review
Poor Treatment for a Long-Time Customer
They overcharged me for years.
Syndee
April 9, 2025
Verified Review
Safeco
For the most part, the service has been great with quick responses when needed. My biggest issue is the cost. It's almost $340 a month for 2 cars and 3 drivers.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
If you’re a New Yorker who enjoys driving your classic vehicle frequently, you may like Safeco for its flexible use coverage. You can customize your policy to include coverage for regular use, allowing you to drive up to 10,000 miles per year. And in case your classic car breaks down while you’re driving, Safeco offers optional roadside assistance.
Pros
Insures a variety of classic and collector cars
Diminishing deductibles available
Discount for bundling classic and regular car insurance
Cons
No spare parts coverage
Age and modification restrictions limit eligibility
No coverage for kit cars, race cars, or restorations less than 50% complete
Leland-West: Best for spare parts coverage
New York’s extreme weather increases the risk of damage to classic cars and their components, making high spare parts coverage crucial. Leland-West offers some of the highest spare parts coverage, at $2,000 at no additional cost, and you can buy more if needed.
Pros
Quotes available online
Mileage rollover if you drive less than the limit
Reimbursement option for car relocation before a storm
Cons
Requires nine years of driving experience and a good driving record
No coverage for lifted vehicles or those with ultra-low-profile tires
No coverage for daily use classic cars
Our editorial team analyzed regional and national auto insurance companies that sell policies in New York to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How classic car insurance works
Many classic car insurers limit your annual mileage, with limited use including travel to car shows and auto-club meetups. Also, your insurer may not cover your classic car unless you have a primary car for everyday use. Review your policyto see what’s covered and if you need to buy specialized coverage.
Insurers typically require the car to be safely and securely stored. You must keep your car in a locked, enclosed space, like a garage or storage unit.
Finally, some companies insure only drivers with clean records and cars in good condition.[2] Requirements vary by company, so make sure you understand the conditions before choosing an insurer.
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Based on 3,806+ reviews
4.8/5
How to pick coverage limits for classic car insurance
Coverage limits for classic car insurance differ from standard auto policies. While standard auto insurance covers your car’s depreciated value, classic car insurance covers your car’s agreed-upon value.
Your policy’s agreed-upon value is the amount you and your insurance company determine your vehicle is worth. It’s also the maximum amount your insurer will pay to replace your vehicle after a total loss.
It’s important to note that your classic car’s value may increase, unlike regular cars that depreciate in value. This is why increasing your coverage limits regularly is essential to account for your car’s rising value.
What classic car insurance covers
Like a standard auto insurance policy, classic car insurance includes liability coveragefor property damage and injuries you cause. You can also choose a full-coverage policy — which adds comprehensive and collision — to pay for repairs to your car.
Is classic car insurance required in New York?
Even if you drive a classic car, you must carry the minimum-required coverage limits to drive a car in New York.[3] The minimum limits are as follows:
$25,000 in bodily injury and $50,000 for death of a person involved in an accident
$50,000 in bodily injury and $100,000 for death of two or more people in an accident
$10,000 per accident for property damage
$25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage
If you drive your classic car — even if only rarely — you’ll need classic car insurance coverage. Driving an uninsured classic carcarries the same penalties as driving any other type of uninsured vehicle, including fines and license suspensions.
How to qualify for classic car insurance
Similar to regular car insurance, classic car insurance comes with specific requirements you must meet to qualify for coverage. Additionally, certain “high-risk” factors may influence your costs and eligibility.
Age and condition of the car
Classic car insurance companies may limit or deny coverage if your car is damaged or in poor condition. Even if you find an insurer, you may pay higher premiums due to the increased likelihood of filing a claim.
Classic cars also tend to appreciate with age, so you may need to adjust your agreed-upon value. Increased coverage can also lead to higher premiums.
Regular use and mileage
Many classic car insurers won’t cover classic or antique cars for everyday use, like driving to work or running errands. Companies may also cap the miles you can drive with your classic car. But since classic cars generally spend less time on the road, their insurance tends to be cheaper than a traditional auto policy.
Storage and security
Your insurance company may require you to store your classic car in a safe and secure place. This protects it from exposure to the elements, theft, vandalism, and other risks. Failing to store your vehicle properly may lead to your insurer denying coverage.
Condition and original parts requirements
Classic car components — like wheels, transmission, and engine parts — are usually harder to find and more expensive to replace. This is especially true if you own a vintage luxury car or a modified car. Since you may have to buy more coverage to restore your classic car to its original condition, you can expect higher insurance premiums.
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Based on 3,806+ reviews
4.8/5
Antique car insurance in New York FAQs
If you’re shopping for insurance for your antique automobile, the additional information below may help as you research your coverage options.
How old does a car have to be to qualify for classic insurance?
For an insurer to consider a car classic or antique, it’s usually at least 25 to 30 years old, according to the Insurance Information Institute (Triple-I). But you can qualify for classic car insurance in situations where your vehicle doesn’t fall within that age range.
For example, Triple-I recommends classic car insurance for vehicles with values that exceed their original price. This could include modified cars, race cars, or luxury vehicles.
Can you drive an antique car every day?
Probably not. Many classic car insurance companies restrict coverage for cars used every day. If you drive your antique car regularly, consider looking for an insurer that offers daily-use coverage.
Which company provides the best car insurance in New York?
The best car insurance company in New Yorkdepends on your needs. CSAA is a good choice for affordable coverage, and Progressive is worth considering for its discount options. Travelers offers great customer service, and Liberty Mutual is best for flexibility. USAA is also a top choice if you’re a military member or an immediate family member of one.
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Alani has been a contributor at Insurify since January 2023.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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