Classic Car Insurance in Arkansas
American Collectors Insurance is the leader for classic car insurance in Arkansas, offering agreed value coverage designed specifically for collector vehicles. Whether you’re cruising through Little Rock, Fayetteville, or Fort Smith, our customized policies ensure your classic is properly protected.
All throughout Arkansas, our customers continue to rate us the #1 classic car insurance provider, across review platforms.
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Why Choose American Collectors Insurance to Protect Your Passion?
- Top-Rated: We offer affordable classic car insurance in Arkansas and are proudly rated #1 by our customers. At American Collectors Insurance, we share your passion for collector vehicles. Read our reviews to see why enthusiasts continue to rank us #1.
- Tailored Policies: Our collector specialists customize each policy to fit you and your collector vehicle. Whether you own a classic car, muscle car, or hot rod, you can enjoy peace of mind knowing your vehicle is protected with coverage designed specifically for it.
- We Have Your Back: We understand the needs of classic car collectors across Arkansas. With our complimentary TreasureGuardTM benefits, you can enjoy protection like spare parts coverage, full safety glass, basic towing, and more.
Do You Qualify for Antique Car Insurance in Arkansas?
Not sure if your vehicle qualifies? Our Collector Specialists can help -– call 1-866-730-0395 or check our eligibility requirements.
Collector Insurance Coverage in Arkansas
Arkansas hosts standout automotive events like the Petit Jean Show in Morrilton and the Queen Wilhelmina Rod Run, which draws hundreds of hot rods to the Arkansas mountains. With American Collectors Insurance, you’ll have specialized coverage designed to protect your vehicle both on the road and at the shows.
Arkansas offers a variety of weather conditions, which is why American Collectors Insurance provides flexible mileage options, so you can choose the mileage plan that best fits how often you drive your collector vehicle.
How is Classic Car Insurance Different from Regular Auto Insurance
Classic Car Insurance policies are built with Agreed Value coverage which means your collector vehicle is covered for the full agreed-upon value (less any applicable deductible) should a total loss occur. Standard auto insurance uses depreciated Actual Cash Value, which can put you at risk of not receiving the true value of your collector car after a total loss. Classic car insurance also offers mileage options, spare parts coverage, and repair shop of choice.
| Standard Auto: | Depreciated value payout | Classic Auto: | Full Agreed Value payout |
| Standard Auto: | Any repair shop assigned | Classic Auto: | Repair Shop of your choice |
| Standard Auto: | Rated for daily commute | Classic Auto: | Rated for limited/pleasure use |
| Standard Auto: | No parts specialty | Classic Auto: | Classic Car: Spare parts + safety glass coverage |
Arkansas Collector Vehicle Insurance Requirements
Understanding Arkansas’s collector vehicle insurance requirements is the first step to making sure your classic car is properly protected and road-legal. Here’s what you need to know:
- Required minimums: $25,000/$50,000 bodily injury liability, $25,000 property damage liability
- Year of manufacture plates available for period-correct registration
- All drivers on an antique vehicle policy must be at least 25 years old
- Named Insured must have at least 10 years driving experience (surcharge available for younger drivers)
- (Optional) Antique plates available for vehicles at least 45 years of age (these tags cost roughly $7 (no renewal required). They are designed for historical and special interest vehicles that are mostly unaltered from the manufacturer’s original specifications
American Collectors Insurance builds all Arkansas requirements into every collector car policy, so you’re always compliant.
American Collector’s Insurance Reviews
See why our customers trust their collectibles with American Collectors Insurance.
Features for Collector Car Insurance in Arkansas
Agreed Value Coverage
Collector vehicles are not like daily drivers and they deserve special coverage. Agreed Value coverage ensures your vehicle is insured for the full agreed-upon value (less than applicable deductible) in the event of a total loss.
Inflation Guard: Inflation Guard is included in your policy at no additional cost. In the event of a “total loss” to your collector vehicle, Inflation Guard will automatically adjust the Agreed Value limit for your vehicle.
Bonus Coverage
Our Arkansas Classic Car Insurance policies include complimentary TreasureGuard™ benefits such as spare parts coverage, full safety glass, basic towing, and more.
Each policy also includes $250 in Disaster Relocation Coverage, which helps protect your collector vehicle in the event of unexpected weather, such storms with flooding and wildfires.
Discounts & More
Discounts & More: If you have multiple collector vehicles and need a multi-vehicle policy, or are driving a vehicle valued over $250,000, you may be eligible for discounts. Ask about our driver safety and garage security discounts for even more savings.
Vehicle Lift Discount: Storing your collector car on a lift pays. We offer a 10% discount which you may be eligible for.
What Affects the Cost of Classic Car Insurance in Arkansas?
Classic Car Insurance in Arkansas typically costs between $200 and $800 per year, which is often significantly less than standard auto. Several factors influence your premium:
- Agreed Value of the vehicle – the higher the value the higher the premium
- Driving record – a clean history means lower rates
- Vehicle rarity and availability of replacement parts
- Storage type – enclosed garage vs open storage (garage security discounts available)
- Annual Mileage – American Collectors Insurance offers tiered mileage plans, so you don’t have to overpay for miles you don’t use
- Driver age and experience
- Numbers of vehicles on the policy (multi-vehicle discount available)
Get a personalized quote in just 2 minutes to see your exact rate.
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Classic Car Clubs in Arkansas
Whether restoring an antique car or celebrating your collection, join one of these clubs:
Arkansas Street Rod Association, Inc
The Arkansas Street Rod Association, Inc is all about their passion for cars which has brought all of their members together. As a group, they have a collection of Pre 1988 cars and trucks that range from mild to wild.
Fort Smith Antique Automobile Club
The Fort Smith Antique Auto Club is a non-profit organization dedicated to the restoration and preservation of antique automobiles. It is not required to own an antique vehicle to be a member of this club.
Find more collector car clubs in Arkansas or submit your own.
Taking Your Classic Car for Maintenance or Restoration in Arkansas
Southern Street Machines
The Southern Street Machines restoration shop is the go-to for all your classic car needs. Whether you’re looking for a custom build, or simply parts and repairs, they’ve got you covered. They serve Little Rock and all surrounding areas. They are located at 7323 Cock of the Walk Lane Suite D, North Little Rock, AR 72113, and can be contacted at 501-351-4797.
Velvet Torque Custom Garage
Velvet Torque Custom Garage is a one-stop destination where classic and antique cars are restored and heirlooms are preserved. With decades of experience and passion for craftsmanship, they serve Northwest Arkansas and beyond. They are located at 123 Ellis Lane Pea Ridge, AR 72751 and can be contacted at 479-488-2078.
Russo’s Rods and Restorations
Russo’s Rods and Restorations is located in Hot Springs, AR servicing vintage vehicle restorations and the building of street rods and classic car restorations. They are made up of an award-winning team of automobile restoration experts and street rod builders. They are located at 278 Kaufman Rd Bldg 2B Hot Springs, AR 71913. You can contact them at 501-767-5126.
Frequently Asked Questions About Classic Car Insurance in Arkansas
What is considered a classic car in Arkansas?
45+ years old, maintained for exhibitions/club events, not primary use.
How much does classic car insurance cost in Arkansas?
$200-$800/year typically. Depending on agreed value, driving record, storage, and mileage plans.
What is Agreed Value Coverage?
Full predetermined payout. No depreciation. Unlike standard auto insurance’s Actual Cash Value.
Can I insure a car that is in the process of being restored?
Yes, American Collectors Insurance covers vehicles under active restoration.
Do I need a separate daily driver to qualify?
Yes, most classic car policies require you to have a standard-insured vehicle for daily use.
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