In Texas, classic cars aren’t just old; they’re recognized for their history, value, and the care owners put into them. Insurance companies set specific requirements for a vehicle to be covered under a classic policy. You should know what they are so you don’t invest in an older car that turns out not to qualify as a classic.

Age and Condition Standards

At All Around Insurance Agency serving Katy, TX, we want our clients to know that most insurers in Texas look for vehicles that are at least 20 to 25 years old, though some make exceptions for limited-edition or specialty models. Age alone isn’t enough, though. The car should be in good condition, either restored or well-maintained, and kept in a way that preserves its value rather than wearing it down through daily use.

Storage and Usage Rules

A key part of eligibility is how the car is stored and driven. Many insurers expect classic cars to be kept in a garage or secure storage when not in use. They also require limited mileage, usually just for car shows, club events, or occasional leisure drives. Using the car as a daily commuter won’t meet the criteria for classic insurance.

Ownership Expectations

Insurers also want to see that you have a regular vehicle for daily transportation. This confirms that the classic car is a collector’s item and not your main source of travel. Having another insured car in the household is usually a requirement in Texas policies.

Meeting these standards ensures your car is treated as the special vehicle it is. Classic insurance offers agreed-value coverage and tailored protection, but only once the car qualifies. Understanding the rules helps you owners prepare and protect your prized vehicle the right way. Contact All Around Insurance Agency serving Katy, TX, for more information.