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Cheapest Car Insurance Companies That Insure Older Trucks (2021)

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 30, 2021

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Key Takeaways

  • Safeco is one of the best insurance companies for classic car insurance
  • Classic car insurance companies won’t insure a classic vehicle that isn’t in good condition
  • Classic car insurance is usually much cheaper than standard car insurance

Are you searching for auto insurance companies that insure older trucks? Car insurance companies that don’t insure older trucks may not have classic car insurance.

But don’t worry — we’re here to help. Our guide explores which car insurance companies provide cheap car insurance for older trucks. Also, we’ll show you which companies are the best for classic cars.

Once you learn everything about car insurance companies that insure older trucks, use our free online quote tool to compare multiple insurance companies in your area.

What are the best car insurance companies that insure older trucks?

Auto insurance for older cars and trucks is much different than standard auto insurance. But you still can find car insurance for older cars and trucks at some of the most prominent companies all the same.

Some classic car insurance companies specifically insure classic and collector vehicles.

Here’s a list of the best classic car insurance companies.

Specialty Car Insurance Companies:

  • American Collectors (partnered with USAA)
  • American Modern (partnered with GEICO and The Hartford)
  • American National
  • Condon Skelly
  • Grundy
  • Hagerty (partnered with Allstate, The Hartford, Nationwide, and Progressive)
  • Heacock
  • J.C. Taylor

Major Car Insurance Companies:

  • Esurance
  • Farmers
  • GEICO
  • The Hartford
  • Progressive
  • Safeco
  • State Farm

Farmers, GEICO, and Progressive are known for their high market share in the auto insurance industry.

American Collectors Insurance and Hagerty have classic truck and utility vehicle insurance policies specifically for trucks.

Specialty companies like Hagerty and Grundy may not share the same market shares as more prominent companies, but their policies focus on classic and collector cars.

How do I qualify for classic car insurance for older trucks?

Before you can buy classic auto insurance, you have to be eligible to receive a policy.

Here are the standard requirements for classic car insurance:

  • Age of the vehicle (The car or truck must be 15 to 20 years old to be considered a classic, and 25 years old to be considered an antique.)
  • Condition
  • Occasional use
  • Locked-garage storage
  • Must be 25 and older
  • Clean driving record
  • Must own an additional vehicle

Each insurance company varies, but most companies have similar eligibility requirements.

How much is classic car insurance for older trucks?

Locating the cheapest classic car insurance policy is challenging.

On average, classic auto insurance is $17 to $83 a month.

Several factors determine the cost of classic and collector car insurance. Here are characteristics that impact your classic auto insurance rates:

  • Value of the classic or collector car
  • Condition of the classic or collection vehicle
  • Coverage limits
  • Mileage limits

Classic and collector trucks may have similar rates if they’re valued at the same rates as classic cars.

But how much is classic auto insurance at the best companies? Let’s look at the average cost of classic car insurance at the top companies.

Classic Car Insurance Rates by Company
CompaniesMonthly Rates
American Collectors$54
Grundy$45
Hagerty$58
Heacock$54
Nationwide$51
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Grundy is the cheapest company, but Hagerty is the most expensive classic auto insurance company for older trucks. But there’s a way to secure more affordable rates for classic cars and trucks.

Do classic car insurance companies provide discounts?

The answer is yes. Anyone who owns a classic, collector, or antique vehicle should take advantage of auto insurance deals. It’s an excellent way to save on classic car and truck insurance.

You can qualify for classic car insurance discounts through these situations:

  • Bundle classic auto insurance with standard auto insurance (insuring more than one car).
  • Bundle classic car insurance with other insurance policies like renters or homeowners insurance.
  • Drive your classic vehicle every other weekend (driving less).
  • Enroll in a higher deductible.
  • Add anti-theft devices to your classic or collector vehicle.
  • Join a classic car club.
  • Take a defensive driving course.
  • Renew your policy before the expiration date.

Although car insurance by state varies, you can secure the cheapest auto insurance for your classic car or truck with the right discounts.

What are the benefits of classic car insurance for older trucks?

The advantages of classic truck insurance vary for each company. For example, Hagerty provides flexible mileage limits, restoration insurance coverage, and guarantees on your classic truck’s value.

Classic or collector truck insurance provides several benefits, such as emergency roadside assistance and high coverage levels.

Compare multiple classic car insurance companies to get the best deal and see which has the most benefits.

What’s the difference between classic car insurance and standard car insurance?

Classic auto insurance targets insurance coverage for vehicles that are more than 15 years old. Classic cars and trucks must be in good condition, but they won’t have the same coverage options as standard car insurance.

Regular auto insurance is a general coverage insurance policy that insures most cars. But standard auto insurance doesn’t provide specific coverage like classic auto insurance.

For example, regular car insurance may not pay the full price of a classic vehicle’s overall value. However, classic auto insurance covers restored car parts and parts of a classic car or truck.

There’s also a difference in cost. According to the National Association of Insurance Commissioners (NAIC), the average cost of standard car insurance is $90 a month.

Classic car insurance is at least 40% cheaper than the average car insurance rate.

Car Insurance Companies That Insure Older Trucks: The Bottom Line

American Collector and Hagerty are two classic car insurance companies that have insurance policies for older trucks. But that doesn’t mean other classic auto insurance companies won’t insure older trucks.

Regular car insurance policies won’t cover classic vehicles like classic car insurance.

Now that you know more about car insurance companies that insure older trucks, enter your ZIP code below to compare multiple insurance companies near you.

Frequently Asked Questions: Car Insurance Companies That Insure Older Trucks

Do you want to know more about auto insurance companies that insure older trucks? Then read these answers to frequently asked questions to learn more.

#1 – What’s the average mileage limit for classic car insurance?

Most classic auto insurance companies limit your mileage to 5,000 miles per year. Some of the best classic car insurance companies have flexible mileage limits.

#2 – Is a 20-year-old car considered a classic?

The short answer is yes. If a vehicle is older than 25 years old, it’s considered an antique.

#3 – Can I get full coverage on a classic car?

Yes, you can. However, full coverage may not cover the total value of the classic car. Classic auto insurance will, though.

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