GEICO provides access to classic car coverage through a specialized partner insurer, rather than underwriting the policy directly. Below is everything you need to know about coverage, eligibility, pricing, and how to get a quote.

Does GEICO Insure Classic Cars?

Yes, GEICO offers classic and collector car insurance through a partnership with American Modern Insurance Group, a company that specializes in niche and collector vehicle coverage.

That means:

• Your quote may begin on GEICO’s website or through a GEICO agent.
  
  

• The policy itself is typically underwritten and serviced by American Modern.
  
  

This allows classic car owners to get specialized protection tailored to vintage and collectible vehicles.

What Qualifies as a Classic Car?

Eligibility requirements can vary slightly, but most classic car policies through GEICO’s partner require:

1. Vehicle Age

Typically:

• At least 20–25 years old, or
  
  

• Recognized as a collectible, rare, or historically significant model
  
  

Some newer exotic or limited-production vehicles may also qualify.

2. Limited Usage

Classic car policies are usually designed for:

• Car shows
  
  

• Exhibitions
  
  

• Parades
  
  

• Occasional pleasure driving
  
  

They are not intended for daily commuting.

3. Secure Storage

Most insurers require:

• A fully enclosed, locked garage
  
  

• Protection from weather and theft
  
  

4. Primary Vehicle Required

You typically must:

• Own a separate vehicle for daily driving
  
  

• Maintain a valid driver’s license and good driving record
  
  

What Does Classic Car Insurance Cover?

Classic car insurance differs from standard auto insurance in a few key ways.

Agreed Value Coverage

Unlike regular car insurance that uses depreciated value, classic policies often use agreed value coverage, meaning:

• You and the insurer agree on the car’s value upfront.
  
  

• If it’s a total loss, you receive the full agreed amount (minus deductible).
  
  

Specialized Protections May Include:

• Flexible mileage plans
  
  

• Spare parts coverage
  
  

• Restoration coverage
  
  

• Coverage during transport to shows
  
  

• Optional roadside assistance
  
  

How Much Does GEICO Classic Car Insurance Cost?

Premiums depend on factors such as:

• Vehicle value
  
  

• Storage location
  
  

• Driving history
  
  

• Annual mileage
  
  

• State regulations
  
  

Because classic cars are typically driven less and stored securely, premiums can often be lower than standard auto insurance — though high-value collectibles may cost more to insure.

The best way to determine pricing is to request a personalized quote.

How to Get a Quote

You can request a quote in a few simple steps:

1. Visit GEICO’s official website.
   
   

2. Navigate to the classic or collector vehicle insurance section.
   
   

3. Provide:
   
   

   • Vehicle details (year, make, model)
     
     

   • Estimated value
     
     

   • Storage information
     
     

   • Driving history
     
     

4. Review coverage options and finalize with the partner insurer.
   
   

You may also call a GEICO representative directly to discuss eligibility and available coverage options.

Is GEICO Classic Car Insurance Right for You?

GEICO’s classic car coverage may be a good fit if:

• You already insure other vehicles with GEICO
  
  

• You want access to a well-known national brand
  
  

• You prefer working through a major insurer while getting specialty coverage
  
  

However, it’s always wise to compare quotes from multiple classic car insurers to ensure you’re getting the best value and coverage for your specific vehicle.

Final Thoughts

Yes, GEICO does offer classic car insurance — but through a trusted specialty partner. If your vehicle qualifies as a collectible and you meet storage and usage requirements, this can be a convenient and competitive way to protect your investment.