How old does your car have to be to be a classic? (2024)

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Knowing whether or not your vehicle is a classic is important for more than just prestige. It may mean a classic car insurance policy is more suitable than a standard auto insurance policy. Find out here how old a car must be to be considered a classic.

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How old does your car have to be to be a classic? (1)

Written by:

Chris Kissell

Contributing Researcher

Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more.

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How old does your car have to be to be a classic? (2)

Reviewed by:

Laura Longero

How old does your car have to be to be a classic? (3)

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

A classic car is not your average run-of-the-mill vehicle. Unlike most cars, these 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 with their own rules about classic cars.

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.

Key Highlights

  • Car collector organizations define “classic cars” based on age and special qualities.
  • Insurance companies may define a “classic car” as being 25-30 years old and of interest to collectors or historians.
  • States may have their own rules to define “classic cars” based on age and type of vehicle.
  • Insurance for classic cars offers protection in ways a standard auto policy wouldn’t: reimbursem*nt of the car’s value even if it appreciates, specialized repair and towing coverage in case of a breakdown or if the car needs special parts.

How old does your car have to be to be a classic? (4)

Written by:

Chris Kissell

Contributing Researcher

Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more.

Read Full Bio >>

How old does your car have to be to be a classic? (5)

Reviewed by:

Laura Longero

How old does your car have to be to be a classic? (6)

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

Read Full Bio >>

Table of Contents

Table of Contents

  • What makes a car a classic?
  • Frequently asked questions: Classic cars
  • Final thoughts: How many years old is a classic car?

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 produced.

They were:

  • Highly-priced
  • At the top end in terms of quality
  • Built-in limited quantities

The club 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 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: Classic cars

Is a 20-year-old car a classic? What about a 25-year-old car?

Is a 20-year-old car a classic? Some insurers and car organizations might say “yes.” In general, though, auto insurance companies consider a vehicle eligible for “classic” status once it is at least 25 to 30 years old, according to the Insurance Information Institute.

However, car insurance companies have their own definitions. For example, you are eligible for State Farm classic car insurance if your vehicle is aged 10 to 24 and has “historical interest,” such as a hot rod or muscle car.

Once a vehicle like this is 25 years old, it is an “antique” in State Farm’s eyes and is no longer eligible for classic car insurance.

Geico classic car insurance is available on cars from 1995 or earlier that meet other criteria: A new exotic car; common antiques; a new replica car like a 1966 Batmobile; or a classic military vehicle, hearse or fire truck.

The type of vehicle can also make a difference. For example, how old does a truck have to be a classic? The answer can be different than with a car.

Hagerty Insurance offers collector and classic car insurance on the model year 1979 and older cars. But it offers collector truck and SUV insurance on vehicles the model year 1996 and older.

Do I need classic car insurance?

Classic car insurance can be a good investment for owners of special vehicles. This coverage protects your classic cars in ways that a standard auto policy does not.

For example, classic car insurance reimburses you for the car’s value. Unlike most vehicles, which depreciate as the years roll on, classic cars often increase in value.

These policies also tend to allow you to bring your vehicle to a specialized repair shop should it need to be fixed. Such shops often charge much higher costs than a typical repair shop, but the sellers of classic car policies understand the importance of specialized service if the job is to be done right on classic cars.

Finally, these policies might offer coverage for special types of towing guaranteed to protect the car in the event of a breakdown and coverage for specialized — and often expensive — spare parts.

How old does a car have to be to be considered an antique?

How old does a car have to be to be an antique? As mentioned previously, the Antique Auto Club of America says “antique” cars are 25 years old or older.

By contrast, American Collectors Insurance says an antique car was manufactured in 1975 or earlier.

States may also have their own rules. Some states also may use terms other than “antique” in describing older cars.

How old is a vintage car?

What age is a car vintage? As mentioned above, American Collectors Insurance considers a car to be “vintage” if manufactured between 1919 and 1930. However, definitions may vary. And, as with antique cars, states may have rules for what qualifies as a “vintage” car.

Are vehicles over 25 years old tax-exempt?

This depends on your state. Most states impose sales tax on classics, but some states, like Montana and Alaska, don’t. In some states, the sales tax for classic, antique or vintage cars is the same as any other car, but in other states, the amount differs for classics. Check your state sales tax laws so you’ll know what to expect.

Can a car last 30 years or more?

Yes. Many vehicles reach antique or vintage status and last longer than 30 years.

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 in 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. 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.

Why you can trust CarInsurance.com

The CarInsurance.com editorial team bases its reporting on data it commissioned Quadrant Information Services to gather on average auto insurance rates for more than 34K ZIP codes across the United States. Typically, averages are based on rates for a single, 40-year-old male, with no violations who commutes 12 miles to work each day and has a full-coverage policy with limits of 100/300/100 and a $500 deductible for collision and comprehensive coverage.

How old does your car have to be to be a classic? (8)

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

How old does your car have to be to be a classic? (9)

Ask the Insurance Expert

John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

How old does your car have to be to be a classic? (10)

Ask the Insurance Expert

Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

How old does your car have to be to be a classic? (11)

Ask the Insurance Expert

Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Learn more about classic car insurance
  • Guide to insuring classic cars and aftermarket parts

How old does your car have to be to be a classic? (12)

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How old does your car have to be to be a classic? (13)

Chris Kissell

Contributing Researcher

Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more.

How old does your car have to be to be a classic? (2024)

FAQs

How old does your car have to be to be a classic? ›

Classic cars are at least 20 years old but not older than 45 years, while vintage cars are 25 years or older. Antique cars are even older, at least 45 years old.

Is a 20 year old car a classic or an antique? ›

Classic cars are at least 20 years old but not older than 45 years, while vintage cars are 25 years or older. Antique cars are even older, at least 45 years old.

What qualifies a car to be a classic? ›

We have listed all three and their generally agreed-upon ages below: A vintage car is one that was manufactured between 1919 and 1930. An antique car is any car manufactured in 1975 or earlier (older than 45 years old). The classic car is a vehicle manufactured in the 1990s or earlier (at least 20 years old).

Is a 15 year old car considered old? ›

Antique cars are usually between 25 and 45 years old, while classic cars are typically the newest of the old cars, clocking in around 15–25 years old.

What happens when a car is 25 years old? ›

A car typically becomes a classic for insurance when it is over 20-25 years old, maintained in good condition, and driven less frequently than regular vehicles, although these criteria can vary among different insurance providers.

What happens when a car turns 20 years old? ›

A vehicle that is between 20 and 45 years old typically qualifies as a classic car for registration purposes, while insurers often require the car to also have historical significance. The exact definition of a classic car can vary between state DMVs, insurance companies, and motor clubs.

Is a 20 year old car too old? ›

Cars older than eight to 10 years will be a riskier option, depending on the driving and maintenance history, while vehicles over 15 to 20 are usually nearing the end of their service lives.

Are classic cars cheaper to insure? ›

Classic car insurance is usually much cheaper than regular car insurance. According to Baily Insurance Agency, a classic car policy costs around $200 to $600 annually. If you own an abnormally expensive vehicle, your rates may be higher. In contrast, regular car insurance usually costs over $1000 per year.

Is a 1999 car a classic? ›

Either a “survivor” or restored in conformance to the original manufacturer specifications. Antique Car: Manufactured 1975 or earlier (>45 years old). Either a “survivor” or restored in conformance to the original manufacturer specifications. Classic Car: Manufactured 2000 or earlier (>20 years old)

How do you tell if a car will become a classic? ›

For a car to be considered a classic, it must be more than 20 years old, in good condition and true to the original design.

Is a 2010 car too old? ›

Is a 10-Year-Old Car Too Old? Cars over 10 years old can still be reliable. Most vehicles can last well over a decade with proper care and maintenance. In fact, the average car on U.S. roads is now 12.6 years old, according to a study from S&P Global Mobility.

What is a 15 year old car called? ›

Classic car definition: Even more loosely defined, and still dependent on the organization, classic cars might include antique, vintage, and collector vehicles that are at least 10 to 25 years old.

Does the age of a vehicle matter? ›

Reliability fades with age

Even when mileage is low, the older a car gets, the less reliable it becomes. Modern cars are much more reliable, even as they age. Five-year-old cars record what is considered a major problem every three years, while 10-year-old cars are more likely to face a problem every 18 to 20 months.

At what age do cars lose the most value? ›

Within the first year, many cars will lose up to 20% of their value. After that, they may lose about 15% more per year until the four-or five-year mark.

What is the best age for a car? ›

If your goal is to save on a pre-owned vehicle, it's advisable to seek one that has already undergone most of its depreciation. This entails finding a car that is at least two years old, but ideally between three and four years old.

Is a 2004 car a classic? ›

For insurance and registration purposes, the age of a classic car, in most cases, is at least 20 years old but not more than 40 years old. If you are going to register it (and insure it) as a classic, it should have been kept to its original design and specifications.

Is 20 years old considered antique? ›

For an item to be an antique, experts agree that it must be at least or over one hundred years old. While there's no official expert consensus for an item to be considered vintage, many agree an item should be between twenty to ninety-nine years old.

How old is a car when it's considered a classic? ›

A car is considered a classic in California if it's at least 25 years old and is of historic interest. When a vehicle in California meets these requirements, the owner can register it as a historic vehicle, which will allow the car to use special license plates.

What age of car is a modern classic? ›

What are the Different Categories of Classic Cars?
DescriptionQualifying Criteria
Post-vintageBuilt between 1st January 1931 and 31st December 1945
Classic (including modern classic)Varies, but ranges between 10 and 40 years old, or something that desirable but isn't made any more
3 more rows
Mar 1, 2024

Are 20 year old cars eligible for antique tags in Florida? ›

But here's the caveat: in order to qualify for that antique plate, the vehicle must be at least 30 years old (sorry Philip, your S10 won't be eligible for another five years).

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