Classic Car Insurance in Delaware
Finding the right classic car insurance in Delaware, starts with choosing a policy built for collectors. American Collectors Insurance is rated the #1 classic car insurance and offers agreed value protection, PIP-compliant policies, flexible mileage plans, and complimentary TreasureGuard™ benefits. Whether you’re in Wilmington, Rehoboth Beach, or anywhere in between, we can provide you with a policy customized to meet your needs as a collector.
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Why Choose American Collectors Insurance to Protect Your Classic Car in Delaware?
- Top-Rated: Proudly rated #1 by our customers across Delaware and nationwide. At American Collectors Insurance, we share your passion for collector vehicles.
- Tailored Policies: Our collector specialists tailor each policy to fit you and your collector vehicle. Whether you own a classic car, muscle car, or hot rod, you can find peace of mind knowing you’re receiving a policy designed specifically for you.
- We Have Your Back: With a variety of weather conditions in Delaware, we have your back with our complimentary TreasureGuard™ benefits, which you’ll enjoy protection like spare parts coverage, full safety glass, basic towing, and more.
Do You Qualify for Antique Car Insurance in Delaware?
Not sure if your vehicle qualifies? Our Collector Specialists can help -– call 1-866-730-0395 or check our eligibility requirements.
Collector Insurance Coverage Options in Delaware
Delaware is ranked as one of the top states for car enthusiasts, and is home to a number of car clubs and major car events. As a no-fault state, Delaware requires Personal Injury Protection (PIP) coverage on all vehicles, including classic cars. American Collectors Insurance builds every Delaware-specific requirement, including mandatory PIP, directly into your collector car policy, so you’re always compliant without the guesswork.
Whether you enjoy cruising the streets of Rehoboth or Bethany Beach on a sunny day, or attending your favorite car event, our flexible mileage options and Disaster Relocation Coverage keep you protected through it all.
How is Classic Car Insurance Different from Standard Auto Insurance
Classic Car vs. Regular Auto Insurance: What’s the Difference?
Classic Car Insurance guarantees the full agreed-upon value (less any applicable deductible) in the event of a covered loss. Standard auto insurance does not offer agreed value coverage, which can put you at risk of not receiving the true value of your collector car after a total loss. Classic Car Insurance also takes into consideration limited uselimited-use when setting rates, and offers specialized coverage such as spare parts, 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 |
Delaware Classic Vehicle Insurance Requirements
Delaware’s insurance laws can affect how you insure a classic, antique, or collector vehicle. Because Delaware is a no-fault state, vehicle owners must meet specific PIP requirements that may apply even when a vehicle is used primarily for hobby or recreational purposes. Here’s an overview of what collectors need to know:
- Delaware is a no-fault state. Personal Injury Protection (PIP) coverage is mandatory on all auto policies, including classic cars.
- Required minimums: $25,000/$50,000 bodily injury liability, $10,000 property damage liability, $15,000/$30,000 PIP, uninsured motorist coverage is standard in the state at $25,000/$50,000/$10,000
- 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 of driving experience (surcharge available for younger drivers)
- (Optional) Antique plates available for vehicles at least 25 years old (one-time fee of $25 for registration and exempt from annual inspections)
American Collectors Insurance builds all collector vehicle insurance requirements into every collector car policy, so you’re always compliant.
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Features for Collector Car Insurance in Delaware
Agreed Value Coverage
With Agreed Value Coverage, you can enjoy your collector vehicle knowing you will receive the full agreed-upon amount (less any applicable deductible) in the event of a total loss.
Inflation Guard: With your policy, inflation guard is included to ensure your vehicle value is always insured at the true Agreed Value it is worth. There is no depreciation when it comes to the value of your vehicle on a collector car insurance policy.
Bonus Coverage
Our Delaware 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 as flooding or wildfires that may put your vehicle at risk.
Discounts & More
If you’re driving a vehicle that is valued over $250,000, or need a multi-vehicle policy, you may be eligible for discounts. Ask about our driver safety and garage security discounts for even more savings on your Idaho antique carClassic Car Insurance policy.
Vehicle Lift Discount: Storing your collector car on a lift pays. We offer a 10% discount, which you may be eligible for.
How Much Does Classic Car Insurance Cost in Delaware?
Car Insurance in Delaware 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
- Number of vehicles on the policy (multi-vehicle discount available)
Get a personalized quote in just 2 minutes to see your exact rate.
Getting a classic car insurance quote in Delaware has never been easier.
Get a Quote on Delaware Classic Car Insurance in Just Minutes
Classic Car Clubs in Delaware
Whether restoring an antique car or celebrating your collection, join one of these clubs:
First State Mustang and Ford Club
First State Mustang and Ford Club is dedicated to bringing together Mustang and Ford enthusiasts across the state of Delaware. They hold multiple shows and cruises throughout the year. Their club is built on a shared passion for collector vehicles and the camaraderie that comes along with it.
Delaware Valley Region Classic Car Club of America
The Delaware Valley Region Classic Car Club of America is one of the oldest regions of the Classic Car Club of America. This region was founded in 1954, and its longevity was acknowledged by the CCCA (Classic Car Club of America) in 2014 with a “Sixty Year” Award. This award recognizes 60 years of participation in the CCCA.
Southern Delaware Street Rod Association
The Southern Delaware Street Rod Association (SDSRA) was founded in 1989 as an affiliate of the National Street Rod Association (NSRA). To become a member of the club, you must own (finished or under restoration) a car 30 years or older, attend 3 meetings or functions, and enjoy the company of other street rodders.
Delaware Valley Classic MG Chapter
The Delaware Valley Classic MG Chapter is an all MG club, from pre-war to MGF and MG 5. They are located in the Delaware Valley. All who like to drive their cars and have a good time are welcome.
Find more collector car clubs in Delaware or submit your own.
Classic Car Restoration Shops in Delaware
One Off Rod & Custom Inc
One Off Rod and Custom Inc is based out of Middletown, Delaware. They are a small business shop that designs and builds custom hot rods and classic car restorations. Whether you’re restoring your dream car, needing routine maintenance, or creating a custom piece, they can meet your needs. They are located at 118 Sleepy Hollow Dr Suite 6, Middletown, DE 19709 and can be contacted at 302-449-1489.
Joe Shilling Auto
The team at Joe Shilling Auto is passionate about classic car repair work and finds excitement in turning your classic car dreams into reality. Whether you need minor repairs or an extensive overhaul, they can get the job done. You can find them at 5512 Washington Street Ext Wilmington, DE 19809 and contact them at 302-764-2100.
McQueen Classics
McQueen Classics is the premier choice for full classic car restorations on the Eastern Shore. From frame-off restorations, to head-turning classics, they take pride in restoring your prized ride. They have an exceptional fiberglass, metal, and fabrication department. They are located at 17593 Nassau Commons BLVD, Lewes, DE 19958 and can be contacted at 302-200-7908.
Frequently Asked Questions About Classic Car Insurance in Arkansas
What is considered a classic car in Delaware?
A classic car is generally a vehicle at least 25 years old, maintained as a collector’s item, and used primarily for exhibitions, club activities, parades, and occasional pleasure driving. Antique registration plates are available for vehicles 25 years or older, with a one-time $25 fee and no annual inspection required.
How much does classic car insurance cost in Delaware?
Classic car insurance in Delaware typically costs between $200 and $800 per year, significantly less than standard auto insurance. Your exact rate depends on the agreed value of your vehicle, your driving record, storage type, annual mileage, and the number of vehicles on your policy.
What is Agreed Value Coverage?
Agreed Value Coverage guarantees a full predetermined payout equal to the agreed-upon value of your vehicle, less any applicable deductible, in the event of a covered total loss. Unlike standard auto insurance’s Actual Cash Value, there is no depreciation. Your vehicle is covered for exactly what you and ACI agreed it is worth.
Does Delaware require PIP coverage on classic cars?
Yes. Delaware is a no-fault state, which means Personal Injury Protection (PIP) coverage is mandatory on all auto policies, including collector car insurance policies. American Collectors Insurance builds this Delaware-specific PIP requirement into every classic car policy in the state.
Can I insure a car that is in the process of being restored?
Yes. American Collectors Insurance offers coverage for collector vehicles actively under restoration in Delaware. Your investment is protected throughout the entire restoration process, so you do not have to wait until the vehicle is complete to get the coverage it deserves.
Do I need a separate daily driver to qualify?
Yes. Classic car insurance in Delaware requires you to have a standard-insured vehicle for everyday use, with one daily driver for every licensed household member. Classic car insurance is designed for pleasure and hobby use only, not daily commuting or regular transportation.
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