Classic Car Insurance in Illinois
Standard auto insurance was designed for everyday vehicles that depreciate over time. A classic, collector, or antique car is different — it appreciates, it's carefully maintained, and it's not driven like a daily driver. Specialist classic car insurance offers agreed value coverage, lower premiums, and policies designed by people who understand collector vehicles.
Agreed Value — You Get What Your Car Is Worth
Classic car policies pay the agreed value stated in your policy at total loss — no depreciation, no argument about what your car is worth. You and the carrier agree on the value upfront, typically supported by an appraisal or recent comparable sales. This is the key advantage over standard auto insurance.
Lower Premiums Than Standard Auto
Because classic cars are driven far fewer miles and stored more carefully than daily drivers, premiums are often surprisingly affordable — even for high-value vehicles. Most policies include mileage limits and require a separate daily driver.
Coverage at Shows, During Restoration & In Storage
We work with carriers that cover vehicles at car shows and club events, during restoration, and while in storage. Whether you drive to weekend shows or keep your car in a climate-controlled garage, we'll find a policy that covers how you actually use your vehicle.
What's Typically Covered
- ✓Agreed value (no depreciation at total loss)
- ✓Liability coverage
- ✓Collision & comprehensive
- ✓Spare parts coverage
- ✓Auto show medical reimbursement
- ✓Roadside assistance (flatbed towing)
- ✓Coverage during restoration
- ✓Coverage while in storage
- ✓No mileage-based premium increases
- ✓Umbrella options for high-value vehicles
Frequently Asked Questions
What qualifies as a classic or collector car?
Definitions vary by carrier, but generally vehicles 15–25+ years old that are maintained in original or restored condition and driven primarily for shows or pleasure qualify. Exotics and special interest vehicles may also qualify regardless of age.
Can I drive my classic car daily?
Most classic car policies have mileage limits (typically 2,500–7,500 miles/year) and require a separate daily driver. If you drive your classic more frequently, we can find policies with higher mileage allowances.
Connect with Hollinger Insurance Services
Tell us about your vehicle — year, make, model, and estimated value — and we'll find the right coverage.