Classic Car Insurance in Missouri
Whether you own a classic car, antique auto, or collector vehicle in Missouri, American Collectors Insurance has you covered. As the #1 rated collector car insurance provider, we offer agreed value classic car insurance and collector car insurance across Missouri, from Kansas City to St. Louis to the historic towns along Route 66, with flexible mileage plans, spare parts coverage, and complimentary TreasureGuard™ benefits tailored to the way Missouri collectors enjoy the hobby.
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Why Choose American Collectors Insurance to Protect Your Classic Car in Missouri?
- Top-Rated: 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 and continue to rate us #1 year after year.
- Tailored Policies: Our policies are designed to fit your individual collector lifestyle. Whether you own a Mustang, muscle car, or pre-war classic, American Collectors Insurance recognizes the uniqueness of your collector vehicle.
- We Have Your Back: 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. Because, as a collector car owner, it’s important to be prepared when the unexpected occurs.
Do You Qualify for Antique Car Insurance in Missouri?
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 Missouri
Missouri’s deep automotive roots run straight down Route 66 (the historic Mother Road), where you will find everything from brass-era antiques to hot rods and classic muscle cars cruising through towns like Joplin, Springfield, and St. Louis. But Missouri is also Tornado Alley.
Severe weather, flooding, and hail are real risks for collectors across the state, which is why every American Collectors Insurance policy includes $250 in Disaster Relocation Coverage designed to protect your vehicle when severe weather threatens. From agreed value coverage and flexible mileage plans to spare parts coverage and TreasureGuard™ benefits, every Missouri policy is built around how collectors actually use and store their vehicles.
From flexible mileage options to spare parts coverage and agreed value policies, an American Collectors Insurance policy is designed to give your classic car the protection it deserves.
How Classic Car Insurance Differs 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-use when setting rates, and offering 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 |
Missouri Classic Car Insurance Requirements
Understanding Alabama’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
- Antique plates are available for vehicles in the state of Missouri. Vehicles must be at least 25 years old (approximately $25 to $45, depending on processing costs), and must be solely owned as a collector’s item and used strictly for exhibition and educational purposes, and/or club activities
- 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)
American Collectors Insurance builds all Missouri 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 Missouri
Agreed Value Coverage
Classic cars are unique and deserve special protection. With agreed value coverage, you will receive the full agreed-upon upon value should a covered total loss occur (less any applicable deductible).
Inflation Guard is included in your policy to ensure your collector 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
Enjoy complimentary TreasureGuard™ benefits, such as spare parts coverage, full safety glass, basic towing, and more with a Missouri Classic Car Insurance policy with American Collectors Insurance.
$250 in Disaster Relocation Coverage is included in each policy, which helps protect your collector vehicle in the event of a tornado, flooding, or other severe weather event that may put your collector vehicle at risk.
Discounts & More
Discounts & More: If you need a multi-vehicle policy or have a vehicle that is valued over $250,000, you may be eligible for discounts. Ask about our driver safety and garage security discounts for even more savings on your Missouri classic car insurance policy.
Vehicle Lift Discount: You may be eligible for a 10% discount if you store your collector car on a lift.
What Affects the Cost of Classic Car Insurance in Missouri?
In Missouri, antique car insurance typically costs between $200 and $800 per year, which is often significantly less than standard auto. With several factors influencing 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)
- Liability coverages
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Classic Car Clubs in Missouri
Whether restoring an antique car or celebrating your collection, join one of these clubs:
Ozarks Antique Auto Club
The vision of the Ozarks Antique Auto Club is to create and enhance greater interest and awareness of the need to preserve, restore, drive, and display a part of antique America’s heritage as it relates to antique automobiles.
Spirit of St. Louis Region – Classic Car Club of America
The mission of the Spirit of St. Louis Region Classic Car Club of America is to promote the enjoyment, restoration, and preservation of classic cars as a non-profit organization. Their region is based in St. Louis, Missouri and serves close to 100 members.
Horseless Carriage of Missouri, Inc
The Horseless Carriage Club of Missouri, Inc is the oldest car club in Missouri. They are based in St. Louis with over 150 members and growing. This is a very active club with various organized events, swap meets, parades, car shows, and unlimited restoration resources.
Route 66 Corvette Club
The Route 66 Corvette Club of St. Charles, Missouri hosts a number of events including car shows, road runs, social gatherings, and excursions. This club was founded in 2000 for those who enjoy the great American sports car, the Corvette.
Find more collector car clubs in Missouri or submit your own.
Classic Car Restoration Shops in Missouri
Midwest Classic Car Services
Midwest Classic Car Services is passionate about keeping classic cars on the road while performing at their best. With decades of experience in classic car repair, their team provides expert mechanical services tailored to vintage and collector vehicles. They’re located at 1100 Pralle Lane St. Charles, MO 63303 and can be contacted at 636-410-8474.
C&J’s Classic & Muscle Cars
C&J’s Classic & Muscle Cars was formed to provide classic car restoration services, sales, and repair servicesservice on American hot rods, rat rods, street rods, and all kinds of muscle cars. They provide a full range of restoration services for any classic vehicle. 19800 W. Route 66, Lebanon, MO 65536, 417-531-4497.
Frisco Hill Auto
Frisco Hill Auto is a classic car restoration shop located in St. Louis, Missouri. Each team member takes pride in their work and craftsmanship. Throughout the entire process of your collector vehicle, they provide honest communication. They are located at 4615 Baumgartner Road, St. Louis, MO 63129, and can be contacted at 314-416-1380.
Frequently Asked Questions About Classic Car Insurance in Missouri
What is considered a classic car in Missouri?
A classic car is generally a vehicle that is at least 25 years old in the state of Missouri. It is maintained as a collector’s item, and used primarily for exhibitions, club activities, parades, or occasional pleasure driving. Vehicles 30 years of age or older, are eligible for Missouri antique license plates.
How much does classic car insurance cost in Missouri?
Missouri Classic Car Insurance generally costs between $200 – $800 a year. The price depends upon agreed value, driving record, storage, mileage plans, and liability coverage. The price can also vary based upon any discounts you may qualify for.
What is Agreed Value Coverage?
Agreed value coverage is the full predetermined payout amount (less any applicable deductible). No depreciation. Unlike standard auto insurance’s Actual Cash Value.
Does Missouri require special insurance for antique vehicles?
Missouri does not require a separate antique-specific insurance policy; however, standard auto insurance is not designed for collector vehicles and could leave you being underinsured. In the state of Missouri, vehicles 30 years or older qualify for antique license plates, which restrict use to exhibitions, club activities, occasional pleasure drives, and other hobby-like usage.
Can I insure a classic car that is in the process of being restored?
Yes, American Collectors Insurance covers vehicles under active restoration. In fact, we strongly encourage insuring your restoration projects.
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 for each licensed household member. This ensures your collector vehicle will not be used as a back-up vehicle, or as a daily-use vehicle.
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