Cheap Classic Car Insurance Without a Garage in 2024 (10 Most Affordable Companies)
Progressive, Travelers, and Safeco are the top picks for cheap classic car insurance without a garage. Progressive's minimum coverage rate for classic insurance with no garage is $65/mo. You will need to let your car insurance company know your car is not in a garage to avoid a classic car claim being denied.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Nov 24, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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13,128 reviewsCompany Facts
Min. Coverage for Classic Car Without a Garage
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
1,731 reviewsCompany Facts
Min. Coverage for Classic Car Without a Garage
A.M. Best Rating
Complaint Level
1,731 reviews
1,173 reviewsCompany Facts
Min. Coverage for Classic Car Without a Garage
A.M. Best Rating
Complaint Level
Pros & Cons
1,173 reviewsProgressive, Travelers, and Safeco are the top companies for cheap classic car insurance without a garage.
If you own a classic car and plan to drive it, it must be added to your car insurance policy and will require classic car insurance. This type of car insurance typically has special requirements compared to standard car insurance, such as having your car stored in a safe and secure place (learn more: Classic vs. Standard Car Insurance).
Our Top 10 Company Picks: Cheap Classic Car Insurance Without a Garage
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $65 | A+ | Competitive Rates | Progressive |
 | #2 | $70 | A++ | Customer Service | Travelers |
 | #3 | $72 | A | Roadside Assistance | Safeco |
 | #4 | $75 | A+ | Flexible Coverage | Nationwide |
 | #5 | $77 | B | Local Agents | State Farm |
 | #6 | $78 | A+ | Multi-Policy Discounts | Allstate |
 | #7 | $80 | A | Personalized Service | Farmers |
 | #8 | $83 | A+ | Tailored Policies | The Hartford |
 | #9 | $85 | A | Bundling Discounts | Liberty Mutual |
 | #10 | $90 | A++ | High-Value Vehicles | Chubb |
Read on to learn more about classic car insurance with no garage. You can also enter your ZIP code in our free tool to get started on shopping for cheap classic car insurance.
- Progressive has some of the cheapest classic car insurance without a garage
- Some insurance policies will require that a classic car be stored in a garage
- If you do not have a garage, then you should inform your insurance agent
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#1 – Progressive: Top Pick Overall
Pros
- Competitive Rates: Progressive has competitive quotes for classic vehicle insurance.
- Agreed-Value Coverage: This is useful coverage for classic car owners. It ensures that you will be paid the full value of the car if it is totaled.
- Snapshot Program: Offers discounts if drivers score well after participating in the program.
Cons
- Snapshot Rate Changes: The program is only beneficial for good drivers.
- Customer Service: Customers’ reviews about the service they received vary. Learn more in our review of Progressive.
#2 – Travelers: Best for 24/7 Support
Pros
- 24/7 Support: Classic car customers can reach out for assistance 24/7. Find out more in our review of Travelers.
- IntelliDrive Program: Safe drivers can earn a discount by participating in the program.
- Mileage Limits: Travelers’ classic car mileage limits are flexible.
Cons
- Online Services: Travelers has more limited online options.
- IntelliDrive Rate Changes: IntelliDrive is only beneficial to good drivers.
#3 – Safeco: Best for Roadside Assistance
Pros
- Roadside Assistance: Safeco sells roadside assistance as an add-on coverage, which is useful for older cars.
- Agreed Value Coverage: Ensures you’ll get the full value of your classic car.
- Adjustable Deductibles: You can change your amounts as needed on your classic car coverages.
Cons
- Claims Processing: This can be slow, according to customer reviews. Read more about customer ratings in our Safeco review.
- Agent Enrollment: You can’t enroll your classic car online.
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#4 – Nationwide: Best for Flexible Coverage
Pros
- Flexible Coverage: Nationwide’s coverages are flexible for classic car owners, and there are plenty of Nationwide car insurance discounts.
- Spare Parts Protected: Nationwide’s classic car insurance includes coverage for spare parts.
- Financial Stability: Nationwide has a decent rating based on its reviewed finances.
Cons
- Availability: Classic car coverage is not sold in a few states.
- Customer Ratings: Customers have expressed dissatisfaction with varying customer service.
#5 – State Farm: Best for Local Agents
Pros
- Local Agents: Local assistance with classic car coverage is available in most locations. Find out more in our State Farm review.
- Agreed Value Coverage: Make sure your payment after a total loss is worth the value of your classic vehicle.
- Adjustable Deductibles: Adjust rates on classic car insurance by changing your deductible amounts.
Cons
- Financial Rating: A.M. Best has given the company a lower rating.
- State Rates: State Farm’s rates can vary drastically among states.
#6 – Allstate: Best for Multi-Policy Discounts
Pros
- Multi-Policy Discounts: Allstate offers a bundling discount for multi-policy holders. Learn more in our Allstate review.
- Roadside Assistance: An optional coverage useful for older vehicles that might break down.
- Online Convenience: Conveniently make changes to your classic car policy online.
Cons
- Claim Satisfaction: Complaints have been filed about Allstate’s claims handling.
- Young Driver Rates: Classic car insurance for young drivers will cost more.
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#7 – Farmers: Best for Personalized Service
Pros
- Personalized Service: Agents help provide local support to classic car customers. Read more in our review of Farmers.
- Agreed Value Coverage: Your payment after a total loss will be worth the value of your classic car.
- Family Plans: Farmers has discounts for insuring more than one car, which is great for families.
Cons
- Urban Rates: Classic car rates will be higher in some locations, such as urban areas.
- Customer Satisfaction: Customer reviews focus on inconsistent service.
#8 – The Hartford: Best for Tailored Policies
Pros
- Tailored Policies: Classic car policies can be tailored easily.
- AARP Members: The Hartford has special rates and perks for AARP members (learn more: AARP Auto Insurance Program From The Hartford).
- Agreed Value Coverage: A must for cusotmer who want to the full value of their assets after a total loss.
Cons
- Young Drivers: Rates and discounts are less enticing for young customers.
- State Rates: The Hartford’s rates will be less competitive in some states.
#9 – Liberty Mutual: Best for Discount Options
Pros
- Discount Options: Classic car policy rates can be reduced with Liberty Mutual’s discounts. Read more in our Liberty Mutual review.
- Agreed Value Coverage: A great way to fully protect your assets.
- 24/7 Support: Representatives are always available to classic car customers.
Cons
- Coverage Flexibility: Customization options can be less flexible at Liberty Mutual.
- Customer Reviews: Ratings could be higher from Liberty Mutual customers.
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#10 – Chubb: Best for High-Value Vehicles
Pros
- High-Value Vehicles: Chubb provides some of the best car insurance for specialty vehicles.
- Agreed Value Coverage: Get a payout for what your car’s agreeed worth was.
- Claims Service: Chubb’s claim service is quick and easy.
Cons
- Low-Value Vehicles: Chubb is less cost-effective for less valuable vehicles.
- Discount Availability: Chubb offers fewer discounts than other companies.
How a Classic Car is Categorized for Car Insurance Purposes
There is no straight-line definition of a classic car in terms of a car insurance policy. Each insurance company can have its own criteria for classifying a classic car with respect to your insurance policy. To see if a car insurance company will deem your car as a classic, contact the company or get a quote. Companies like Progressive offer free quotes from their websites, or you can use a quote comparison tool.
For many insurance companies, a classic car would be a vehicle that has a value that is greater than the original selling price of the car over time.
This means that the value of the car actually increases with age because it is so rare and is in such a good condition.
One of the major steps in agreeing to the terms of a car insurance policy is reaching an agreement with the insurance company on the exact value of your car so that you are completely covered if you have to file a claim for the loss of the classic car.
There are other types of rare cars that require special consideration for car insurance. Some of these rare vehicles include:
- Muscle cars
- Hot rods
- Exotic cars
- Luxury cars
- Modified cars
- Sports cars
Any of these vehicles have a value that exceeds the average value of a typical car and needs to be valued according to their unique individual condition for insurance purposes. For example, a luxury car or sports car will automatically have higher rates as the replacement cost is higher.
Learn more: Best Insurance for Luxury Cars
It is not possible to look up the value of these cars or trucks in a book because their special features that contribute to value must be taken into consideration.
Getting Affordable Rates for Your Classic Car
If you own any of these types of cars, you should already be prepared to pay more for your car insurance premium than if you owned a regular car or truck.
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For this reason, you should try to minimize the cost of your premium, such as showing your car insurance company proof that you only intend to drive your classic car for recreational purposes or to show your car at garage and car shows.
In addition, it is especially important to have a clean driving record if you plan buy vintage car insurance with no garage.
Remember that no auto insurance company is required to provide insurance for a classic car, and a situation like a poor driving record can certainly influence its decision. Offenses such as moving violations or having a high number of claims on your record can make it even more difficult to get car insurance for your classic car.
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Finding the Cheapest Classic Car Insurance
You may have to contact multiple car insurance agencies in order to get accepted for classic auto insurance with outdoor parking in the first place. Some car insurance companies will have different stipulations on whether you can drive your classic car to exhibitions and functions and whether it can be used for recreational driving. Some companies to consider for low cost classic car insurance are the ones listed below.
Classic Car Insurance Monthly Rates Without a Garage by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $78 | $165 |
| Chubb | $90 | $180 |
| Farmers | $80 | $170 |
| Liberty Mutual | $85 | $175 |
| Nationwide | $75 | $165 |
| Progressive | $65 | $150 |
| Safeco | $72 | $160 |
| State Farm | $77 | $160 |
| The Hartford | $83 | $170 |
| Travelers | $70 | $160 |
You can also shop around for car insurance discounts at these companies to save even more.
Another thing to check with your car insurance company about is whether you will need to show that you have another regular vehicle for daily use. Some companies will not allow you to get car insurance for a classic car if you cannot show that you have an additional vehicle registered that you will be using for daily use.
If you are going to be provided with an opportunity to have your car repaired rather than simply receiving a check for the value of the car, then you want to have the option to take it to the repair shop of your choice. This is because there are likely specialized parts and skills required to get your classic car back in working order.
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Make sure you understand how your auto insurance company will deal with a claim or repairs for your classic car.
The Final Word on Classic Car Insurance With No Garage
If you have a classic car and are looking to purchase the best classic car insurance, your auto insurance company will most likely want to know that it will be covered in a garage so that it is protected from damage on a daily basis. This is because classic cars tend to be very valuable and are more costly to replace.
If you have to file a claim for your classic car, you will likely receive a check for the car’s value rather than money to have it repaired. Because classic cars are unique and more valuable, car insurance companies have more stipulations on the care required for a classic car and the way that it can be used.
Start comparing car insurance quotes today and see if you can save on collector car insurance without garages.
Frequently Asked Questions
Can I get classic car insurance without a garage?
No, most insurance companies require classic cars to be kept in a garage or storage facility for classic car insurance. If you do not have your own garage in your private residence, you may need to seek out a safe storage space at another facility to satisfy the requirements of your car insurance company.
Keep in mind that insurance companies may be very particular about the accommodations of the space where you will be storing your classic car so that they can be sure it is in a safe location.
How do insurance companies categorize classic cars?
Each insurance company has its own criteria, but generally, classic cars are vehicles with a value higher than their original price over time.
How can I get affordable classic car insurance rates?
Minimize costs for insurance for classic cars without storage by proving you’ll use the car for recreational purposes only and maintain a clean driving record (learn more: 16 Ways to Lower the Cost of Your Insurance).
How do I find the cheapest classic car insurance?
Shop around, check driving usage stipulations, and inquire about the need for another vehicle for daily use.
What is a 35-year-old car called?
Cars that are over 35 years old are typically called vintage cars.
Why do insurance companies require a garage for classic cars?
Classic cars are valuable and costly to replace, so insurers want them protected from daily damage. However, you may still be able to get classic car insurance with no garage by shopping around. Enter your ZIP into our free quote tool for a quick classic car insurance comparison.
How can I protect my classic car without a garage?
There are plenty of ways to protect your car without a garage, such as covering it with a drop cloth, building a carport, and more. You can also protect it from being stolen with anti-theft devices, which also earns you anti-theft car insurance discounts at most companies.
What are the limitations of classic car insurance?
Classic car insurance is intended for older vehicles that are rarely driven expect for pleasure use or traveling to shows. Because of this, classic car companies limit mileage on coverages.
How many miles can you do on classic car insurance?
It depends on the car insurance company, but mileage caps are usually under 10,000 miles per year, as classic cars aren’t for regular use.
What’s the best insurance for a classic car?
Full coverage provides the best classic car protection compared to minimum liability coverage, especially if you are buying collector car insurance with no garage (learn more: Compare Full Coverage vs. Liability Car Insurance).
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
