Get Affordable Classic Car Insurance Rates in Texas
OUR TOP INSURANCE COMPANIES
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.
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?
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 AUTO INSURANCE NEAR YOU IN TEXAS
GET CINCO Classic Car INSURANCE IN YOUR CITY
WHY CUSTOMERS LOVE CINCO AUTO INSURANCE?
Cashauna Burks
Edward was nice, he put up with me. Keep him, he will help you and negotiate and listen. Good rate
Google Review
Gonzalez Prestige
Very fast and reliable service I had misplace my paperwork and they found it in less than a minute thank you guys keep on the good work
Google Review
Tihesha Wise
Best quote I had in the past 3 days lowest quote for real! Quick sign up and rep was super patient and kind while he reviewed everything I really appreciate this.
Google Review
Samuel Uribe
I strongly recommend this place they gave me the best deals and worked with me.. Ana is the rite person to go to she will definitely help you.
Google Review
GoddesSina Qadesh
I am very satisfied!! Very reasonable price and was done in minutes. I definitely recommend.
Google Review
Nelly Merced
Jenireth was such an amazing help with setting me up with a car insurance. Very affordable prices and great customer service when calling.
Google Review
Terrance Wilson
Amanda was very helpful with getting insurance. She searched multiple companies to get me the best rate possible. Great customer service!.
Google Review
Marcela Contreras
Great service overall, agents were super helpful. All of our questions were answered and I have to say I do ask a lot of questions. Also, prices are accessible. Win-win. 😊
Google Review
Will
Amy is a really sweet lady. She helped me and insured me quick easy and smooth. Great customer service.
Google Review
Mike J
Yolanda was wonderful, well mannered, respectful, very professional and clear in regards to getting my policy. I give her a 10!!!.
Google Review
Luis Gallegos
Got my business insurance quick and easy and the right price. yolanda did a great job. If yall need insurance give her a call. You wont find better deal 👍👍🙏🙏
Google Review
Johnny Garcia
Yolanda has been the biggest help to find me the best insurance. Excellent customer service. She really cares about her clients.
Google Review
Luis Pantoja
Karina was absolutely GREAT!! GREAT!! customer services all around. Highly recommended 💯
Google Review
Crisantos Anselmo
Karina was so amazing 👏 she honestly deserves a raise!!! Made everything fast and easy! Super consistent with follow ups!!
Google Review
Dilaa Ruiz lo
Evelyn was very nice! She helped us find and get an affordable price for insurance. Recommend her if you’re looking for a fast and easy experience!
Google Review
Gran Love
The service was wonderful, Veronica explained it to me very calm and broke it down to help me understand everything. I appreciate the patience and kindness.
Google Review
Diana Ontiveros
Thank you to aime! Great customer service! Super attentive, great rates! Definitely will be recommending to my family and friends
Google Review
Sandra Aguallo
Veronica was very helpful and got me the lowest price out there ! 100% recommend going to her for the lowest rates!.
Google Review
Angel ADB
I had a great experience with Oscar! He provided excellent help and service, giving me a very competitive quote on my vehicle. Highly recommend!
Google Review
Linda.Lucas2974 Lucas
Best service I have ever had from insurance companies. Thank you Aime for your service and help I’m sorry but she is the best. She went above and beyond to help us!
Google Review
Linda.Lucas2974 Lucas
Best service I have ever had from insurance companies. Thank you Aime for your service and help I’m sorry but she is the best. She went above and beyond to help us!
Google Review