Insurance for Classic Cars in San Diego CA


Get a Quote Today and Secure Your classic’s Legacy


H&M is an independent insurance agency providing classic car insurance in San Diego, California. If you are a proud owner of a Mustang, Thunderbird, Charger, Corvette, or other collector car, our agents will work with you to find a proper policy that will fulfill all your requirements and needs. Whether you own one or multiple collector cars, use them as a means of traveling, or are restoring your antique truck, the H&M team can help you find the most appropriate policy your car deserves.




With us, you get choices from a number of different insurance suppliers like Safeco, First American, Nationwide, Progressive, Markel, and First Comp. We are a boutique-style agency with 50 years of collective experience, notable for 100% customer satisfaction guarantee. For more information or to get a quote for your vintage car, reach out to us by phone on (619) 296-0005.

What Is Classic Car Insurance

Classic car insurance is a specialized from of coverage that is very similar to traditional auto insurance. However, with standard auto policy, things like car’s milage, age, and depreciation are taken into consideration to determine the value and how much coverage it needs. Classic car insurance coverage is determined based on the agreed value and details like storage, usage, vehicle condition, and so on.

What Does Classic Car Insurance Cover?

Classic car insurance policy usually covers the following:

  • Physical damage – If your vehicle is stolen or damaged, you will receive your car’s insured value minus deductibles.
  • Roadside assistance – You will also have the option to purchase full-service roadside assistance coverage.
  • Property damage or bodily injury to others – At least a minimum of liability which is required by the state of California.
  • Optional coverages – Additional coverages that can be added include automotive tools, spare (original) parts, collectible items (automobilia), tailored mileage.

What Is Not Covered

Antique car insurance is not intended for primary vehicles that you use every day. In case you are using your vintage car every day, as your primary vehicle, then you will not be eligible for this type of insurance. Furthermore, there is a limit on a mileage you can make in a year.

How To Qualify For A Collectors Car Insurance

Most cars have to meet certain requirements in order to qualify for this type of insurance:

  • Limited use – Your classic car must be properly garaged and stored and cannot be used for everyday duties. You will be conditioned to own another car that will be used for everyday riding.
  • Car shows – Insurance suppliers might allow travel to special vintage car shows, or provide specialized coverages for car shows only.
  • Proper storage – While not in use, your antique car has to be properly stored in a private garage or storage unit.
  • A clean driving record – Your driving history will also be taken into consideration. Serious offenses on your driving record, such as reckless driving, repeat speeding violations or driving while intoxicated.
  • Car condition – Some insurers may decline to insure cars that are not in good condition.

Features To Look For When Searching For Collectors Car Insurance

The requirements for a vintage car are different from those of a traditional car, and if you are a proud owner of such a vehicle, these are some of the features you should look for when shopping for insurance:

  • Agreed value – This feature is more comprehensive than “actual cash value” or “stated value” because with “greed value” the provider is required to pay the full amount in the event of a total loss covered, minus any applicable deductibles.
  • Coverage options – When shopping for the right coverage, make sure you identify the proper requirements for your vehicle, as not all collector cars are the same.
  • Generous mileage – Try finding coverage with generous mileage options so you can truly enjoy driving your classic car.
  • Low rates – If you don’t drive your antique car full time, there is no reason to pay full time insurance. Instead, opt for the part time option, and save some money.
  • Roadside assistance – Find a coverage that will transport you to the closest repair facility.
antique vehicle insurance

How Much Does Classic Car Insurance Cost In California?

The exact cost of your premium will be determined based on several key elements:

  • Car’s value (age, model, condition)
  • Storage conditions
  • Usage (mileage)
  • Discount options (multiple policies, multiple cars, clean driving record, etc.)

Who Needs This Policy

Although there is no single definition of what a classic car is, generally, when current value exceeds its original price, then it may qualify as a collectible vehicle. Typically, these types of vehicles include:

  • Antique and classic cars (typically 25 to 30 years old)
  • Muscle cars
  • Exotic and luxury automobiles
  • Classic trucks
  • Classic motorcycles

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How H&M Insurance Agency Makes a Difference

We are a small family-owned and operated agency that provides highly personalized service, focusing on exceptional customer service. Over the years we have earned a reputation in California as one of the leading insurance brokers who prioritize efficiency, affordability, and custom-tailored products. With us, you can rest assured you will save time, efforts, and money, since we are dedicated to providing you with the best coverage for the least amount of money.

At H&M independent insurance agency, we provide the following:

  • 100% customer-oriented approach
  • 50 years of collective industry experience
  • Custom-tailored flexible mileage coverages
  • Supplying major carriers policies (Safeco, Travelers, Hartford, Nationwide, First American, Next, etc.)
  • Discount options (multi-policies, mature drivers, high-value vehicles)
  • Budget friendly insurance rates

You’ve Got Questions About Classic Car Insurance? We’ve Got Answers!

1.      When will a car become a classic for insurance?

In order to become eligible for classic car insurance, your vehicle must meet specific criteria set by the insurers. These requirements usually include conditions on how and when you use the car, how and where it is stored, and so on. For more information, contact our agents.

2.      How to insure a classic car as a daily driver?

If you are using a classic car for daily use, you will have to purchase regular auto insurance. With specialized classic car policy you are usually conditioned with usage and limited mileage.