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Classic Car Insurance in Texas

Classic car insurance provides specialized coverage tailored to vintage or collector cars, offering agreed value, flexible usage, and restoration coverage. In Texas, classic car enthusiasts enjoy these benefits but must adhere to state insurance regulations.

CINCO streamlines the process by linking Texans with insurers who provide customized classic car coverage, safeguarding beloved vehicles as they traverse Texas highways and byways. With our assistance, drivers can rest assured their cherished classics are protected against unforeseen mishaps.

Why Do I Need Classic Car Insurance In Texas?

Classic car insurance is essential in Texas, where the law requires anyone driving a classic car on the road or shoulder to have insurance coverage.

They are sometimes people’s pride and joy, According to their expensiveness or sentimental value. Insurance helps guard against loss on an investment by paying for it.

Furthermore, it offers adjusted or guaranteed value, parts replacement, restoration expense coverage, and other features particular to vintage cars.

This insurance often contains conditions regarding how often and for what purpose the car is driven, ensuring these vehicles are for recreational use, not for getting to work and back.

This insurance targets the owners of classic cars in the market and enables them to use their cars comfortably since they have the right insurance coverage.

How Much Does Classic Car Insurance Cost In Texas?

The average cost of typical insurance in Texas varies based on the value, age, usage, and history of the driver and the car. Recent projections indicate that the premiums vary from $400 to $1,000 annually. It's also important to note that additional charges may apply to the premiums.

Vehicle Value

Age of the Vehicle

Usage

Driver's History

Location

Coverage Amount

Storage

Type of Vehicle

COMPARE Classic Car Insurance Rates Across Key Texas Cities

In Texas, insurance rates can fluctuate based on vehicle value, driver age, driving history, and the city's urban density. Metropolitan areas like Houston, Dallas, and Austin may have higher rates due to increased traffic and potential risks, while rural regions offer more affordable premiums.

City Name

Average Yearly Classic Insurance Rates

Houston

$400 - $1,200

El Paso

$350 - $1,000

San Antonio

$375 - $1,100

Dallas

$425 - $1,250

Austin

$375 - $1,150

Fort Worth

$400 - $1,200

Arlington

$375 - $1,100

Corpus Christi

$350 - $1,050

Plano

$400 - $1,150

Lubbock

$325 - $1,000

WHAT DISCOUNTS CAN I GET FOR Classic Car INSURANCE IN TEXAS?

Classic insurance providers offer various discounts to help drivers lower their premiums. These include multi-vehicle savings, rewards for installing anti-theft measures, and special offers for club members, ensuring classic car owners benefit from various ways to lower their insurance costs.

DISCOUNT NAME

DESCRIPTION

Multi-Vehicle Discount

Save when you insure multiple classic cars on the same policy.

Membership Discount

Receive discounts for being a member of certain car clubs or associations.

Low Mileage Discount

Enjoy savings if you drive your classic car fewer miles annually.

Safety Features Discount

Get rewarded for installing anti-theft devices or safety features on your classic car.

Driver Training Discount

Qualify for discounts by completing an approved driver training course.

Loyalty Discount

Earn discounts for remaining with the same insurance provider for a certain period.

What Are The Minimum Classic Car Insurance Requirements In Texas?

The insurance requirements in Texas do not differ much between specialized classic cars and standard cars. These are the following breakdown of

- $30,000 for damage or death of a single person in an accident. 

- $60,000 for total and permanent disability or bodily injury.

- $25 000 for property damage liability per the single accident. 

However, classic car insurance policies often offer additional coverage options tailored to the unique needs of vintage vehicles. These policies also include the standard Texas minimum coverage of $30,000 for injury or death of a single person in an accident, $60,000 for total and permanent disability or bodily injury, and $25,000 for property damage liability per accident.

What Types Of Classic Car Can I Insure With CINCO in Texas?

Vintage cars, aged between 20 and 50 years, are celebrated for their classic designs and collectible appeal.
Antique cars are vehicles over 25 years old, often preserved in original condition, and known for their historical and collectible value.
Collector cars include rare and limited-production models, valued for their uniqueness and collectible status.
With their rich historical significance, military vehicles receive specialized coverage to protect these iconic pieces of history.
Kit car owners can find the ideal coverage for their custom-built vehicles with our tailored insurance solutions for high-value cars.
Race cars need specific insurance for their competitive use, distinct from everyday driving, ensuring proper coverage for track activities.
Modified cars, customized for performance or style, require specialized insurance to protect their unique enhancements and alterations.

What Coverages Can I Get For My Classic Car In Texas?

Agreed Value Coverage

If your classic car is totaled, you'll receive the agreed value amount, regardless of market fluctuations or repairs.

Liability Coverage

Protects you from financial losses due to claims for property damage or injuries if you’re at fault in an accident.

Collision Coverage

This policy covers the repair or replacement costs for your classic car if it is damaged in an accident, regardless of who is at fault.

Comprehensive Coverage

Shields against non-collision issues like vandalism, theft, storms, and natural disasters, covering potential total loss.

Uninsured/Underinsured Motorist Coverage

It helps cover your damages if you're in an accident with a driver who lacks sufficient or no insurance.

Medical Payments Coverage

Covers medical expenses for injuries resulting from collisions or crashes, ensuring prompt payment for drivers and passengers.

Personal Injury Protection (PIP)

Covers medical costs for you and passengers, plus potential lost income from injuries sustained in an accident.

Roadside Assistance

Provides help if your classic car breaks down, including towing and minor repairs while on the road.

Spare Parts Coverage

Protects valuable components of your classic car from theft or damage, ensuring you can maintain its original condition.

Trip Interruption Coverage

It helps cover necessary transport and lodging expenses if your classic car unexpectedly breaks down while traveling.

Why Is CINCO The Best Choice For Classic Car Insurance In Texas?

Excellent Customer Service

Get Free Quotes

Multiple Convenient Locations Near You

Get Discounts

Affordable Premiums

HOW IT WORKS

Explore

Get a no-obligation quote for classic insurance options in Texas, providing coverage for your cherished vehicle.

Connect

Let our Texas auto insurance team help you find the ideal classic insurance coverage. Contact us today for personalized assistance.

Compare

Easily compare classic car insurance options in Texas, get quotes, and find the perfect coverage for your prized vehicle.

Get A Free Classic Car Quote In Texas

FIND CINCO CLASSIC CAR INSURANCE NEAR YOU IN TEXAS

307 W Centerville Rd , Suite C, Garland, TX 75041

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2750 W Northwest Hwy Ste 190, Dallas, TX 75220

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2210 S Beckley Ave, Dallas, TX 75224

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10335 Ferguson Rd, Dallas, TX 75228

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2509 S Hampton Rd, Suite A, Dallas, TX 75224

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1440 S Buckner Blvd, Dallas, TX 75217

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9208 E R L Thornton Fwy #207b, Dallas, TX 75228

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