Classic Car Insurance in Idaho
If you own a classic car, antique auto, or collector vehicle in Idaho, standard auto insurance won’t give you the protection your investment deserves. As the #1 rated collector car insurance provider in Idaho, American Collectors Insurance offers Agreed Value policies tailored to your collector lifestyle. From Boise to Idaho Falls to Coeur d’Alene, our agreed value coverage, wildfire and disaster protection, flexible mileage plans, and complimentary TreasureGuard™ benefits are tailored to the way Idaho collectors enjoy the hobby.
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Why Choose American Collectors Insurance to Protect Your Classic Car in Idaho?
- Top-Rated: We’re proud to be rated #1 by our customers year after year. At American Collectors Insurance, we share your passion for collector vehicles and invite you to read our reviews to see why classic car owners trust us to protect what matters most.
- Tailored Policies: Whether you own a Corvette, muscle car, or pre-war classic, American Collectors Insurance recognizes the uniqueness of your collector vehicle. That’s why we design policies to fit your individual collector lifestyle.
- We Have Your Back: As a collector car owner, it’s important to be prepared when the unexpected occurs. From spare parts coverage, full safety glass, basic towing, and more, our complimentary TreasureGuard™ benefits give you the peace of mind you need to enjoy every moment of your collector car.
Do You Qualify for Antique Car Insurance in Idaho?
Classic Car Insurance isn’t for every vehicle. Here’s what typically qualifies:
Not sure if your vehicle qualifies? Our Collector Specialists can help – call 1-866-730-0395 or check our eligibility requirements.
Collector Car Insurance Coverage in Idaho
Understanding Idaho’s collector vehicle insurance requirements is the first step to protecting your classic car, and American Collectors Insurance handles every requirement for you, built right into your policy.
Idaho is known for its dry climate, making it a great state for the collector car community (that’s why the “World’s Finest Car Graveyard” is here). The dry climate is crucial for preventing rust and preserving vintage vehicles. But Idaho’s summers also bring wildfire risk, making Disaster Relocation Coverage a critical part of any Idaho collector car policy. American Collectors Insurance includes $250 in Disaster Relocation Coverage in every policy, so your vehicle is protected whether it’s stored at home or heading to a show. With a policy from American Collectors Insurance, you can be protected, no matter how you enjoy the hobby.
How is Classic Car Insurance Different from Standard Auto Insurance
Classic Car vs. Standard 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 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 |
Idaho Classic Car Insurance Requirements
Understanding Idaho’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, $15,000 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 30+ years old ($25 for initial registration and $15 annual renewal fee), with use typically limited to exhibitions, tours, parades, and occasional maintenance
American Collectors Insurance builds all Idaho 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 Idaho
Agreed Value Coverage
Enjoy your collector vehicle knowing you will receive the full agreed upon value should a total loss occur (less any applicable deductible).
Inflation Guard: Included in your policy, is inflation guard 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 Idaho 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 or wildfires which can put your collector vehicle at risk.
Discounts & More
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 car Insurance policy
Vehicle Lift Discount: If you store your collector car on a lift, we offer a 10% discount you may be eligible for.
How Much Does Antique Car Insurance Cost in Idaho?
Antique Car Insurance in in Idaho 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 Idaho
Whether restoring an antique car or celebrating your collection, join one of these clubs:
North Idaho Classic Car Club
The North Idaho Classic Car Club promotes the interest and appreciation of classic automobiles. They do this by showcasing their cars in cruises, shows, and community events. Club members connect with charities of northern Idaho and eastern Washington.
Rod Benders Car Club
The Rod Benders Car Club was founded in 1999 with a passion to bring together their community of classic car lovers. They host car shows, monthly meet-ups, events and more. They host an annual car show called “Borders 3 Jamboree”.
Eastern Idaho Vintage Motor Club of America (VMCCA)
The Vintage Motor Club of America encourages the preservation, restoration, and use of antique and historically significant automobiles. They enjoy touring events where they drive their cars, meet new people, and visit old friends along the way.
Pontiacs of Idaho (POI)
Pontiacs of Idaho is Chapter #104 of Pontiac-Oakland Club International Inc and was chartered in September of 2021. The goal of the club is to not only be part of their community but to preserve, restore, and enjoy Pontiacs, Buicks, GMC, and Oakland vehicles, along with encourage and support vintage car collecting.
Find more collector car clubs in Idaho or submit your own.
Classic Car Restoration Shops in Idaho
Iron Horse Garage
Iron Horse Garage was founded in 2019 specializing in classic car restoration, performance upgrades, custom builds, and professional paint refresh jobs. If you’re looking for a full frame-off restoration, engine swap, custom fabrication, or simply a fresh coat of paint, their team of professionals can bring your classic car vision to life. They are located at 1610 W Karcher Rd Nampa, ID 83651 and can be contacted at 208-899-0217.
Restoration Rods
Restoration Rods takes pride in keeping your vehicles running their best. From quick oil changes and tire rotations to custom modifications, their professional mechanics provide high-quality service on every project. They are located at 8633 W State St Garden City, ID 83714 and can be contacted at 208-853-5411.
Kenny’s Rod Shop
Kenny’s Rod Shop started as a small shop and has grown into one of the most respected custom car restoration shops in the Northwest. Each team members shares a deep appreciation for classic and performance vehicles, ranging from American to foreign. Their expertise attracts customers from all over the country. They are located at 5207 W Irving St Boise, ID 83706 and can be contacted at 208-855-9530.
