Antique Auto Insurance
Protect Your Piece of History
Coverage Built for Antique Vehicles
Antique vehicle insurance covers cars that can't be replaced. A 1931 Cadillac V-16 can’t be replicated today, and no payout produces another one. Standard auto insurance values cars against comparable sales, and for antiques those comparables barely exist. Collector coverage sets the value directlyinstead.
What Qualifies as an Antique Vehicle
Brass era cars, pre-war sedans and coupes, and early production vehicles from the decades when the industry was still deciding what a car should be. Full restorations, careful preservations, and unrestored originals all qualify. What matters is that it isn't daily transportation, it's stored securely, and it's used for enjoyment. Tours and parades, or a climate-controlled room. Both are covered.
What Antique Vehicle Insurance Covers
Agreed Value
Agreed Value comes first, because there's no book value for a Packard and never will be. We set the number with you, in writing, before anything happens. For a car with almost no comparable sales, that conversation is the valuation.
Fraud Protection
An antique carries a paper trail measured in generations, and that history is part of what it's worth. Coverage includes forgery, false pretense, and identity theft. It's the exposure nobody expects on a car whose title has changed hands a dozen times across ninety years.
Emergency Evacuation Expense
Up to $1,500 per incident when a hurricane, wildfire, or flood threatens. Moving a Model A means transport and secure storage, and a day of hesitation is how these cars get lost. Coverage is built in, not sold as an upgrade after the fact.
Why Insure Your Antique Vehicle with OpenRoad
AM Best rates OpenRoad A+ Superior, which matters when you're insuring something older than most of the companies insuring it. We write specialty vehicles only. Quotes take minutes, claims go to people who understand pre-war cars, and we care. 88% of clients surveyed would recommend us to a friend. After a claim, 97% would. Most insurers dread that survey. We don't.
There's Nothing Standard About Our Coverage
Because there’s nothing standard about your vehicle.
We’re collectors too, which is why we include all the protections you care about most.
All the Coverage,
None of the Hassle.
Every classic car insurance policy includes agreed value coverage, OEM parts, your choice of repair shop, and tools & spare parts protection. Standard, not upsold.
Service that Actually
Feels like Service.
Everybody says it. Almost nobody delivers it. We answer the phone when you call, and we stay on it until you have what you need. 88% of clients surveyed would recommend us to a friend. 97% after a claim. Our Google rating is 4.9. Real service, from real people who love cars.
Premium Protection
Without the Premium Price.
As collectors ourselves, we built the coverage we'd want on our own cars. The price reflects limited miles and secure storage, because that's how these cars are owned.
Our Coverages
Your vehicle is far more than the sum of its parts. Which is why our coverage is tailor made for collectors and enthusiasts.
Agreed Value Coverage
Agreed value coverage guarantees you and OpenRoad agree on your car's value upfront, so you're paid that exact amount in the event of a total loss. No depreciation, no surprises.
Tools & Spare Parts Coverage
$1,000 of comprehensive coverage for your insured vehicle’s spare parts and tools.
Additional Coverages
We cover all the details you care about: replacement windshields, OEM parts, repairs at the shop of your choice, even the expense of an emergency evacuation.
Optional Coverages
Let you retain your sentimental salvage in the case of a wreck, and cover vehicles under construction.
Serious Coverage.
Simple Process.
Start your quote in minutes and see how much you could save.