Arizona is a great place to own a classic car—and classic car insurance in Arizona is key to protecting that investment. With a dry climate and lots of sunshine, vintage vehicles can stay in top shape for decades. Whether you’re showing off a restored Chevy at a car show or keeping your Mustang in the garage, insurance tailored to classic cars makes a difference.
What Makes Classic Car Insurance Different?
Classic car insurance isn’t like regular auto coverage. It’s created specifically for antique, vintage, and collector cars. These vehicles often appreciate in value, and their coverage should reflect that.
Here’s what sets it apart:
Agreed value coverage – You and the insurer decide the car’s value up front.
Spare parts coverage – Covers valuable original or hard-to-find parts.
Occasional use protection – Ideal for shows, parades, and weekend drives.
Restoration coverage – Protects the vehicle even during repairs or upgrades.
This type of policy is built to cover cars that are driven rarely, but valued highly.
Arizona Liability Requirements for All Cars
In Arizona, all vehicles—classic or not—must meet basic liability limits:
$25,000 for bodily injury per person
$50,000 for total bodily injury per accident
$15,000 for property damage
While this satisfies state law, it doesn’t reflect the true value or needs of a collector vehicle. That’s why many owners choose a specialized classic car insurance policy.
Qualifying for Classic Car Insurance
Insurance companies usually have certain rules for classic car coverage eligibility:
The vehicle should be 10 to 25 years old or rare.
It must be in good condition or undergoing restoration.
You should store it in a secure garage.
Annual mileage is typically capped—often around 5,000 miles.
Owning a daily driver? You’ll need a separate policy for that. Classic coverage is meant for cars that are used on a limited basis and kept in excellent shape.
Why Knowing Your Car’s Value Is Essential
When you set up your policy, your vehicle’s value plays a big role. With classic car insurance in Arizona, coverage is based on an agreed value, not what the general market says.
Underestimating your car’s value can leave you underinsured in a total loss. Overestimating it may increase your premiums. That’s why using a reliable valuation tool is smart.
Use Hagerty’s Classic Car Valuation Tool to find out what your vehicle is really worth.
Accurate value ensures your coverage is aligned with what your vehicle is worth—especially if it appreciates over time.
Classic Cars and Arizona’s Unique Climate
Arizona’s dry climate helps prevent rust and decay. But intense heat can still damage your classic car’s interior, paint, and engine.
Comprehensive coverage can protect against:
UV damage to paint and upholstery
Overheating from high temperatures
Weather-related risks like dust storms or hail
If you’re storing your car in a garage, you’re already ahead. But talk to your insurer about climate-specific coverage options too.
FAQs About Classic Car Coverage in Arizona
Can I use my classic car as a daily driver?
No. These policies are for limited use only—parades, car shows, and occasional cruising. Daily driving typically disqualifies the vehicle.
Can I update my policy as my car’s value increases?
Yes. Most classic car insurance providers allow you to adjust your agreed value if your vehicle appreciates or if you invest in restoration work.
