Classic Car Insurance in Indiana
American Collectors Insurance offers Agreed Value policies tailored to your unique collector lifestyle. As the #1 rated collector car insurance provider in Indiana, we deliver the expertise and protection your investment deserves. Unlike standard auto insurance, our coverage is designed specifically for classic cars, antique vehicles, and collector autos, ensuring your vehicle is properly protected.
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Why Choose American Collectors Insurance to Protect Your Classic Car in Indiana?
- Top-Rated: Year after year, our customers continue to rate us as the #1 collector car insurance provider in Indiana. With a shared passion for collector vehicles, they trust us to protect their prized possessions. We invite you to read our reviews to see why classic car owners enjoy working with us.
- Tailored Policies: From Corvettes to muscle cars, and classic motorcycles, American Collectors Insurance recognizes the uniqueness of your collector vehicle. That’s why our policies are designed to fit your specific collector lifestyle.
- We Have Your Back: It’s important to have extra protection in place for your classic car, helping you stay prepared when the unexpected happens. From spare parts coverage to full safety glass, basic towing, and more, our complimentary TreasureGuardTM benefits give you the peace of mind you need to fully enjoy your collector vehicle.
Do You Qualify for Antique Car Insurance in Indiana?
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 Insurance Coverage in Indiana
As the home of the Indy 500, Indiana boasts a thriving car scene, from weekend classic car cruise-ins to local festivals. With so much to enjoy in the collector vehicle community, American Collectors Insurance builds Indiana-specific requirements directly into your policy, giving you peace of mind that you’re always compliant.
While Indiana doesn’t typically experience wildfires or hurricanes, the state is prone to flooding and tornadoes. That’s why Disaster Relocation Coverage is included in all Indiana policies from American Collectors Insurance. This benefit provides up to $250 to help relocate your collector vehicle to a safer location ahead of severe weather.
How is Classic Car Insurance Different from Standard Auto Insurance
Classic Car vs. Regular Auto Insurance: What’s the Difference?
Standard Auto Insurance does not offer Agreed Value Coverage, which can put you at risk of not receiving the true value of your collector vehicle after a loss. Classic Car Insurance guarantees the full agreed-upon value (less any applicable deductible) in the event of a covered 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 |
Indiana Classic Car Insurance Requirements
Knowing the collector vehicle insurance requirements in Indiana is key to keeping your classic car protected and road-ready. 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 of driving experience (surcharge available for younger drivers)
- (Optional) Antique plates available for vehicles at least 25 years old and used as a collector’s item or leisure vehicle and not used for daily use. They typically cost between $5 and $50 each, depending on the year, condition, and rarity of the vehicle
All Indiana requirements are built into each American Collectors Insurance policy, so your collector vehicle is always compliant.
American Collector’s Insurance Reviews
See why our customers trust their collectibles with American Collectors Insurance.
Features for Collector Car Insurance in Indiana
Agreed Value Coverage
Should a total loss occur, have peace of mind with Agreed Value Coverage, knowing your vehicle is insured for the full agreed-upon value (less any applicable deductible).
Inflation Guard: American Collectors Insurance Indiana state policies include inflation guard to ensure your vehicle is always valued at the true Agreed Value it is worth. There is no depreciation when it comes to the value of your collector vehicle.
Bonus Coverage
Complimentary TreasureGuard™ benefits, such as spare parts coverage, full safety glass, basic towing, and more are included in our Indiana classic car insurance policies.
$250 in Disaster Relocation Coverage is included in every policy, helping protect your collector vehicle if unexpected weather, such as flooding or other hazardous conditions, puts your antique vehicle at risk.
Discounts & More
Ask about our driver safety and garage security discounts. If you’re driving a vehicle that is valued over $250,000 or need a multi-vehicle policy, you may be eligible for discounts on your Indiana antique car insurance policy.
Vehicle Lift Discount: You may be eligible for more savings with our vehicle lift discount. If your collector car is stored on a lift, you could receive a 10% discount.
What Affects the Cost of Classic Car Insurance in Indiana?
In Indiana, classic car insurance typically costs between $200 and $800 per year, which is significantly less than standard auto. Several factors can 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 Indiana
Whether restoring an antique car or celebrating your collection, join one of these clubs:
Indiana Region Classic Car Club of America
The Indiana Region Classic Car Club of America encompasses all of Indiana, plus portions of north-eastern Kentucky and southwestern Ohio. They have events every month, from dinners to driving tours. Club members participate in concourse events around the Midwest, and the Region hosts a Grand Classic every third year.
Coachmen Auto Club, Inc
Located in South Bend, the Coachmen Auto Club has been a cornerstone of the local classic car and truck community for over 60 years. They are known for organizing the Cavalcade of Wheels, Elkhart Grand Prix car shows, and summer cruise-ins. Their events are open to the public and welcome all to join in the automotive appreciation.
Indiana Triumph Cars
The Indiana Triumph Cars club was formed in 1984. It is made up of Triumph owners and enthusiasts from different backgrounds. They come together to meet and participate in different activities together.
Find more collector car clubs in Indiana or submit your own.
Classic Car Restoration Shops in Indiana
American Classics Restoration
American Classics Restoration serves nationwide and specializes in classic car restoration, auto body repair, and auto painting. They have over 20 years of experience in the restoration business and are located at 3246 Dr Martin Luther King Jr Blvd Anderson, IN 46013. Or you can call them at 765-393-0790
Hot Rod Specialists
Hot Rod Specialists delivers professional vintage car restoration and customization services rooted in quality and individuality. Driven by a passion for timeless automobiles, their team is dedicated to producing exceptionally designed vehicles for hot rod enthusiasts. Through personalized designs and expert craftsmanship, they restore and maintain classic cars with precision and care. They are located at 5860 E. 25th Street, Suite D, Indianapolis, IN 46218 and can be contacted at 317-802-7762.
The Finer Details Auto Restoration
The Finer Details Auto Restoration manages every stage of vintage muscle car restorations, from complete tear-down to bodywork and paint, through to precise reassembly. Each vehicle is restored with the same level of care and attention as if it were their own. Their award-winning team brings firsthand experience, having owned and restored muscle cars themselves. They are located at 2001 East Main Street, Danville, IN 46122 and can be reached at 317-745-2124.
Frequently Asked Questions About Classic Car Insurance in Indiana
What is considered a classic car in Indiana
In Indiana, a classic or antique vehicle is at least 25 years old and must be maintained as a collector’s item, leisure pursuit, or investment, and it cannot be used as everyday transportation.
How much does classic car insurance cost in Indiana?
Typically, classic car insurance costs $200-$800/year in the state of Indiana. Depending on agreed value, driving record, storage, and mileage plans.
What is Agreed Value Coverage?
Agreed Value Coverage is the full predetermined payout amount 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 Indiana require special insurance for antique vehicles?
Although Indiana does not legally require specialized classic car insurance, standard auto policies are not designed for collector vehicles and could leave you underinsured. Classic car insurance policies offer agreed value coverage, which protects your antique vehicle for the full predetermined value in the event of a covered total loss (less any applicable deductible).
Can I insure a car that is in the process of being restored?
Yes, American Collectors Insurance highly recommends you insure your restoration projects.
Do I need a separate daily driver to qualify?
Yes, the majority of classic car insurance policies require you to have a standard-insured vehicle for daily use, for every licensed household member. Most classic car policies require you to have a standard-insured vehicle for daily use.
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