Classic Car Insurance in Texas (2026)
Texas drivers should consider classic car insurance to protect their high-value vehicles against the heat, hurricanes, and tornadoes.
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Theresa Stevens
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6 years experience in the personal financial industry
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John LeachLicensed P&C Agent, Chief Copy Editor
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
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Quick Facts
Classic car insurance provides coverage for antique and modern classic vehicles at their agreed value.
On average, full coverage classic car insurance costs $139 per month in Texas.
Summer heat, tornadoes, and hurricanes can pose unique risks to classic cars in Texas.
What to know about classic car insurance in Texas
Classic car insurance provides coverage for classic, antique, and custom vehicles. Like traditional car insurance in Texas, classic car insurance offers liability, collision, and comprehensive coverage. But unlike standard auto insurance policies, it covers your car’s “agreed value,” instead of its actual cash value.
While requirements vary by insurance company, some have “limited use” requirements, meaning you can’t use your classic car for daily commuting or errands. You may also need a safe, enclosed space to store your car to qualify.
Cars classified as antiques in Texas don’t need yearly inspections and typically need to be at least 25 years old.[1]
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Do you qualify for classic car insurance in Texas?
Unlike standard car insurance in Texas, classic car insurance typically has requirements you need to meet. To see if you qualify for classic car insurance in Texas, consider these eligibility factors:
Usage requirements
You generally can’t use your classic car for everyday use, such as commuting to work or running errands. Most classic car insurance policies have annual mileage limits, and some companies require proof of proper garaging while traveling, which is something to keep in mind if you travel with your vehicle to antique car shows or exhibitions.
Storage requirements
Many companies require you to store your classic car in an enclosed space, such as a garage or storage unit, when not in use.[2] In Texas, this is particularly important in the summer months, when prolonged sun and heat exposure can damage car paint and interiors. Depending on where you live in Texas, you’ll also have to properly store your classic car against tornadoes and hurricanes.
Driving record and age
Some classic car insurance companies will insure only drivers with clean driving records. Having an infraction on your driving record can indicate that you’re a high-risk driver and may submit a claim about your classic car.
Additionally, some companies insure only drivers with a certain number of years of driving experience. For example, American Collectors requires drivers to have at least five years of licensed driving experience.
How much is classic car insurance in Texas?
The average monthly cost of insuring a classic car in Texas is $75 for liability-only coverage, which is cheaper than the state average of $110 per month. For full coverage, classic car owners pay on average $139 per month in Texas.
Texas’ average classic car insurance rate is higher than in some other states, which may be partly due to the state’s size, population density, and severe weather risks, like hurricanes. Additionally, more than 4% of Texas drivers have an accident on their record, which increases rates for everyone, including classic car owners.
Below, you can see how the cost of classic car insurance compares to standard car insurance in Texas.
Coverage Type  | Average Monthly Cost in TX |
|---|---|
| Classic car insurance | $107 |
| Standard car insurance | $158 |
Disclaimer: Table data is based on real-time Texas quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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Best antique car insurance companies in Texas
If you have a classic car, choosing the right insurance coverage is crucial. Here’s a look at the three best classic car insurance companies for Texas drivers.
American Collectors: Best overall
American Collectors offers various insurance coverages for classic and collector vehicles, as well as classic motorcycles. It also insures modern classics and exotics as long as they aren’t daily drivers. The company has been in business for 50 years, and generally has high customer ratings.
Unlike many other insurers, American Collectors will insure vehicles with up to 7,500 miles per year, which can be helpful in a large state like Texas. It also offers a high-value vehicle program, providing coverage and discounts for vehicles valued over $150,000 and collections valued over $250,000.
Pros
Can choose mileage plans of 2,500, 5,000, or 7,500
Positive reviews and 4.9 out of 5 stars on Trustpilot
Insures a wide range of vehicles, including those still in restoration
Cons
Must store vehicle in a secure garage and not used for daily driving
Drivers need at least five years of licensed driving experience to qualify
Only offers coverage to drivers with a clean driving record
Hagerty: Best for flexibility
Hagerty is our pick for classic car owners who want more flexibility. You can use your car in various ways, like club functions, exhibitions, and occasional pleasure driving. But it can’t be your primary daily-use vehicle. Hagerty has been in business for more than 40 years and has generally positive Trustpilot reviews. It offers tailored insurance policies for a wide range of vehicles, including antique, limited edition, and exotic cars.
Pros
Can use your car for occasional pleasure driving
Positive reviews and 4.6 out of 5 stars on Trustpilot
Considers mileage up to 7,500
Cons
May not insure drivers with serious infractions, like DUIs or excessive speed violations
Off-road vehicles and motorcycles with performance modifications aren’t eligible
Requires drivers to have a separate daily-use vehicle
American Modern: Best for bundling
American Modern offers a variety of insurance products, making it easy to have your classic car insurance and your home, renters, or pet insurance all in the same place.
It’s common for classic car collectors to buy multiple vehicles, and American Modern offers automatic coverage of up to $50,000 for the first 30 days you own the vehicle. It insures many different types of vehicles, including classic, antiques, muscle cars, kit cars, military cars, and even fire engines.
Pros
Offers multiple types of insurance
Includes disaster relocation coverage
Covers a wide range of vehicles, including restorations in progress
Cons
Must store vehicle in a locked garage or building
Limited Trustpilot reviews, with 2.3 out of 5 stars
Need to speak with an agent to find out all restrictions and requirements
Our editorial team analyzed regional and national auto insurance companies that sell policies in Texas 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 policies work in Texas
A standard auto policy often won’t provide enough protection for classic cars, since they’re typically high-value vehicles that have specific replacement parts and repair needs. For classic car owners in Texas, the intense summer heat and severe weather like hurricanes along the Gulf Coast and tornadoes to the north can pose a risk to your collector car.
Standard cars lose value, or depreciate, as they age. Classic cars appreciate and gain value as they age. While a traditional policy uses actual cash value to decide coverage limits, a collector car insurance policy is generally built around an “agreed value” model. This means you and the insurance company agree on the vehicle’s value up front.
To determine the agreed value, the insurer will often ask for an appraisal, a bill of sale, and a history of the work done to the car. If your insurer deems your car a total loss in a covered incident, it will pay out the agreed-upon vehicle value.
Classic car insurers also impose mileage limits and storage requirements. Both of these conditions help keep your classic car protected and off the road, which reduces the overall risk.
Typically, your classic car can’t be a daily driver, and annual mileage limits range from 2,500 to 7,500. Whether you’re attending the Corvette Club show in Killeen, the Northeast Classic Car Show in Paris, or the VW meetup in Austin, you’ll have to consider how far you need to drive to get to shows when choosing a mileage limit.
Storage requirements vary by insurer, but they typically require a locked garage or storage unit. It can’t just sit in your driveway.
How to pick coverage limits for classic car insurance
Unlike traditional car insurance, which usually pays a vehicle’s depreciated market value after a covered loss, classic car insurance policies are based on a value that you and your insurer agree on. When selecting coverage limits, it’s crucial that you put in the due diligence to determine your vehicle’s value.
Classic American muscle and sports cars are a popular choice for Texas collectors. For example, if you insure a restored classic 1965 Mustang with agreed-value coverage of $60,000 and a covered accident totals it, you should receive a $60,000 insurance payout (minus your deductible).
Car insurance companies generally determine the agreed value using professional appraisals, restoration receipts, and recent sales data for similar vehicles.
What classic car insurance covers
Like traditional insurance, classic car insurance covers liability as well as:
Collision coverage: Covers replacement or repair costs if a collision with another car or object damages your classic or antique automobile, regardless of fault. Collision coverage is particularly important in bigger Texas cities, where parts and labor can be expensive.
Comprehensive coverage: Comprehensive insurance protects your classic car from non-collision events, like theft, vandalism, fire, and weather damage. Though Texas vehicle theft rates have fallen in recent years, thefts still occur throughout the state.
Roadside assistance: It’s not uncommon for classics to have mechanical issues or be more prone to damage. If your Corvette breaks down on the way to a Corvette Club meetup in Killeen, many classic car insurers will cover special towing services.
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Does Texas require classic car insurance?
Texas requires all drivers to have car insurance, including those driving classic and antique cars. Texas car insurance requirements include $30,000 of bodily injury liability coverage per person, up to a total of $60,000 per accident, and $25,000 of property damage coverage.[3]
If you’re caught driving without proof of insurance in Texas, you could face a fine of at least $175, and up to $350. For repeated offenses, the fine could be as high as $1,000.[4]
An uninsured driver involved in a car accident may be subject to license suspension.
Risks for classic cars in Texas
Classic car owners in Texas should be aware of the following risks:
Weather: Texas drivers face several weather-related risks, including flash floods, extreme heat, tornadoes, and occasional freezing temperatures. About 10% of all car accidents in Texas are due to poor weather conditions.
Dense urban traffic: Texas is home to many densely populated cities, like Houston, Dallas, and San Antonio. The large majority of Texas car crashes occur on urban roads, though interestingly, rural roads have a higher number of crash-related fatalities.
Uninsured drivers: Texas has the 19th-highest number of uninsured drivers in the U.S., which can pose a risk to classic car drivers in the state.
Classic car insurance in Texas FAQs
Explore the answers to some frequently asked questions about classic car insurance in Texas below.
How much does classic car insurance cost in Texas?
The average cost of classic car insurance in Texas is $75 per month for liability-only coverage and $139 per month for full coverage.
Do classic cars need insurance in Texas?
Yes. If you plan to drive your classic car in Texas, you’ll need to purchase car insurance, since state law requires it.
What are the requirements for a classic car in Texas?
If you drive a classic car in Texas, you must follow the state’s minimum car insurance laws. In Texas, the minimum coverage requirements are 30/60/25. But many classic car insurers require you to get additional collision and comprehensive insurance to ensure your vehicle has proper coverage.
After how many years is a car considered a classic in Texas?
It varies by the car insurance company, but typically, a car must be at least 25 years old to be considered a classic car in Texas. Some classic car insurers do insure modern exotics if they’re very rare.
Sources
- Texas Department of Public Safety. "Unique Vehicles."
- III. "Insuring your classic car."
- Texas.gov. "Shopping smart: Tips for buying auto and home insurance."
- Texas.gov. "Texas Constitution and Statutes."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Written byTheresa Stevens
Theresa Stevens
AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Featured in
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in