{"id":2740,"date":"2026-01-19T08:54:35","date_gmt":"2026-01-19T08:54:35","guid":{"rendered":"https:\/\/www.way.com\/ask\/?p=2740"},"modified":"2026-01-19T08:54:35","modified_gmt":"2026-01-19T08:54:35","slug":"when-does-a-car-become-a-classic-for-insurance","status":"publish","type":"post","link":"https:\/\/www.way.com\/ask\/when-does-a-car-become-a-classic-for-insurance\/","title":{"rendered":"When does a car become a classic for insurance?\u00a0\u00a0"},"content":{"rendered":"<p><span data-contrast=\"auto\">Here are the general criteria used by insurers to entitle a car as classic:\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<ul>\n<li><span data-contrast=\"auto\">Age between 20 and 40 years\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Lower usage\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Secure storage\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Specialized repair and\u00a0parts\u00a0needs\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Well-maintained or professionally restored\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Recognition from classic car communities such as the Antique Automobile Club of America (AACA) and the Classic Car Club of America (CCCA). \u00a0\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/li>\n<\/ul>\n<h2><span data-contrast=\"auto\">Does insurance go up for classic cars?\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">No, the insurance rate for a classic car is\u00a0relatively cheaper\u00a0when compared to the insurance cost of a regular car of the same age. The value of a classic car is not evaluated based on age and depreciation. Based on the rarity and restoration value, insurers offer an agreed value, which is much higher than the actual value. Though the agreed value is higher, the insurance rates are under control due to the limited annual mileage, secured storage, and clean driving record of the owner.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Here are the general criteria used by insurers to entitle a car as classic:\u00a0\u00a0 Age between 20 and 40 years\u00a0\u00a0 Lower usage\u00a0\u00a0 Secure storage\u00a0\u00a0 Specialized repair and\u00a0parts\u00a0needs\u00a0\u00a0 Well-maintained or professionally restored\u00a0\u00a0 Recognition from classic car communities such as the Antique Automobile Club of America (AACA) and the Classic Car Club of America (CCCA). \u00a0\u00a0\u00a0 Does&hellip; <a class=\"more-link\" href=\"https:\/\/www.way.com\/ask\/when-does-a-car-become-a-classic-for-insurance\/\">Continue reading <span class=\"screen-reader-text\">When does a car become a classic for insurance?\u00a0\u00a0<\/span><\/a><\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-2740","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>When does a car become a classic for insurance?\u00a0\u00a0 - ask<\/title>\n<meta name=\"description\" content=\"You need insurance for classic cars, too. 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