A classic car is not your average run-of-the-mill vehicle. Unlike most cars, these treasured vehicles tend to be older and increase in value over time. Collectors seek out these cars.
When is a vehicle considered a classic? That depends. Definitions vary widely, with car collector organizations, individual insurance companies, and states all having their own rules for what is considered a classic car.
Read on to learn the answer to the question, “when does a car become a classic?” And find out whether you need classic car insurance coverage.
- Car collector organizations typically define “classic car” based on age (between 1915 and 1948, for example) and special qualities.
- Insurance companies may define “classic car” as being 25-30 years old and of interest to collectors or historic interest.
- States may also have their own rules to define “classic car” based on age and type of vehicle.
- Insurance for classic cars offers protection in ways a standard auto policy wouldn’t: reimbursement of the car’s value even if it appreciates, specialized repair and towing coverage in the event of a breakdown or if the car needs special parts.
What makes a car a classic?
When does a car become a classic? There is no single definition of what makes a vehicle classic. The Classic Car Club of America says a "Full Classic" is a fine or distinctive automobile built between 1915 and 1948. By this club's definition, most classic cars had special qualities when they were produced.
They were:
- Highly-priced
- At the top end in terms of quality
- Built-in limited quantities
The club flatly states that mass-produced assembly line vehicles cannot be considered classics. This differs sharply from insurance company definitions, which tend to view cars as classic so long as they are roughly 25 to 30 years old and of interest to collectors. Examples might include hot rods and muscle cars.
How old is an antique car? The Antique Auto Club of America says the definition of what constitutes an "antique" vehicle has changed over the years. In 1974, the rule was widened to include all cars that are 25 years old or older, and that standard remains in place today.
Finally, American Collectors Insurance has its own definition of classic car years. It lists three types of special cars:
- Vintage: manufactured between 1919 and 1930
- Antique: manufactured in 1975 or earlier
- Classic: manufactured in 1990 or earlier
Frequently asked questions about classic cars
Final thoughts: How many years old is a classic car?
If you are a lover of classic cars, you know there are significant time, money and emotional investments put into those vehicles. Classic cars, antique cars and vintage cars bring a sweet nostalgia and sentimental value that often exceed their financial value to classic antique owners. They're practically part of the family.
Knowing whether or not your vehicle is a classic antique is important for more than just prestige. It may mean a classic car insurance policy is more suitable than a standard auto insurance policy. As you now know, when a car is considered a classic varies by the organization but also by the state.
If you're still not sure if your car is a classic, speak with your insurance company so they can help to ensure you've got the proper coverage.