Does GEICO Offer Classic Car Insurance? Quote & Eligibility Guide 2026

Owning a classic car is more than a hobby — it’s a passion, investment, and responsibility. Classic cars often require specialized insurance coverage that reflects their unique value and usage patterns. Many classic car owners ask whether GEICO offers classic car insurance and how they can get a proper quote.

This guide explains what classic car insurance is, how GEICO handles it, how to get a quote, and the criteria that affect eligibility.

What Is Classic Car Insurance?

Classic car insurance is a type of policy designed for vehicles that are not used as primary transportation but have historical, sentimental, or collectible value. These policies differ from standard auto insurance in several ways:

• Coverage based on agreed value rather than actual cash value
  
  

• Special considerations for limited driving and storage
  
  

• Requirements for maintenance and use restrictions
  
  

• Options for spare parts and restoration cost coverage
  
  

Due to these differences, classic car insurance is often more tailored and flexible than standard auto insurance.

Does GEICO Offer Classic Car Insurance?

Yes, GEICO does offer options that cater to classic and antique vehicle owners. While standard auto insurance covers everyday commuter vehicles, classic car insurance is structured to recognize the distinct needs and reduced usage of classic and collectible cars.

GEICO may provide coverage through its regular product lines with specific endorsements or partnerships with specialty underwriters. The company often designs policies that allow owners to insure classic vehicles at rates that reflect their actual risk rather than typical commuter usage.

How to Get a Classic Car Insurance Quote from GEICO

Step 1: Prepare Vehicle Information

Before starting the quote process, gather details including:

• Year, make, and model of the classic car
  
  

• Vehicle identification number (VIN)
  
  

• Estimated current value of the vehicle
  
  

• Mileage and expected annual usage
  
  

Having accurate and complete information helps generate a reliable quote.

Step 2: Visit the GEICO Website or Contact Agent

You can begin the process online or by contacting a GEICO representative:

Online:

• Go to the official GEICO website
  
  

• Select the insurance type and enter classic car details
  
  

• Request a quote specifically for collectible vehicles
  
  

Phone / Agent:

• Call GEICO customer service
  
  

• Request a classic car insurance quote
  
  

• Discuss possible coverage options and endorsements
  
  

Both methods allow you to review pricing and coverage before making decisions.

Coverage Options Available for Classic Cars

Classic car insurance policies may offer the following types of coverage:

Agreed Value Coverage

This ensures the insurer and owner agree on the car’s value up front, eliminating depreciation adjustments in case of loss.

Liability Protection

Mandatory in most states, this covers bodily injury and property damage caused by the driver.

Comprehensive and Collision Coverage

Provides protection for damage from accidents, theft, or non-collision events such as fire or vandalism.

Spare Parts and Restoration Coverage

Some policies provide added protection for spare parts, tools, and restoration expenses — which may not be part of standard auto insurance.

Who Is Eligible for Classic Car Insurance?

Eligibility varies by provider and policy, but classic car insurance generally requires that:

• The vehicle is at least a certain age (often 20 years or older)
  
  

• The car has collectible value rather than daily use status
  
  

• The owner meets specific driving experience requirements
  
  

• The vehicle is stored securely when not in use
  
  

Usage limitations may apply, such as restricted mileage or qualified club participation.

Factors That Affect the Classic Car Quote

Several elements influence the cost of a classic car insurance quote:

• Vehicle Value: Higher value usually raises the premium
  
  

• Usage Frequency: Lower mileage often qualifies for lower rates
  
  

• Storage Conditions: Garage storage may reduce risk
  
  

• Driver History: A clean driving record often earns better rates
  
  

• Location: Insurance rates vary by state and ZIP code
  
  

Each factor contributes to how insurers evaluate and price risk.

Tips for Classic Car Owners

• Maintain accurate documentation of the vehicle’s history and value
  
  

• Join classic car clubs to support valuation and community resources
  
  

• Review and update coverage annually
  
  

• Ask about multi-policy discounts if you bundle coverage
  
  

• Store the vehicle in a secure location to maintain eligibility
  
  

These actions help protect your investment and may lower insurance costs.

Final Thoughts

GEICO does offer options for classic and collectible vehicle owners, though policies may differ from standard auto coverage. By understanding the unique needs of classic cars and how quotes are calculated, owners can make informed decisions that balance protection, cost, and long-term value.

Obtaining a quote tailored to a classic vehicle helps ensure that the coverage reflects the car’s true worth and usage patterns.