How to Get Antique Car Insurance in Fort Worth

Owning an antique car in Fort Worth is more than a hobby—it’s a passion, a connection to automotive history, and often a significant financial investment. Whether you’re restoring a 1957 Chevrolet Bel Air, maintaining a classic Ford Mustang from the 1960s, or preserving a rare European sports car, protecting your vehicle with the right insurance is essential. Unlike standard auto insurance, antique car insurance is specifically designed to meet the unique needs of vintage vehicles. In Fort Worth, where the climate, traffic patterns, and local regulations create a distinct environment for classic car owners, securing the correct coverage requires careful planning and informed decision-making.

Antique car insurance in Fort Worth isn’t just about liability—it’s about ensuring your vehicle is valued correctly, protected against damage from weather and accidents, and covered under terms that reflect its collectible status. Many standard insurers treat antique vehicles like everyday cars, applying depreciation models that undervalue them or impose usage restrictions that don’t align with how collectors actually drive their vehicles. This tutorial provides a comprehensive, step-by-step guide to navigating the process of obtaining antique car insurance in Fort Worth, from understanding eligibility to selecting the best provider and avoiding common pitfalls.

By the end of this guide, you’ll have a clear roadmap to secure comprehensive, affordable, and tailored coverage that honors your vehicle’s heritage and protects your investment for decades to come.

Step-by-Step Guide

Step 1: Determine If Your Vehicle Qualifies as Antique

Before applying for antique car insurance, you must confirm your vehicle meets the legal and insurer-specific criteria for classification as an antique. In Texas, the Department of Motor Vehicles (DMV) defines an antique vehicle as one that is at least 25 years old and maintained in its original or historically accurate condition. However, insurance companies often have stricter or slightly different standards.

Most insurers classify antique vehicles as those aged 20 to 25 years or older, depending on the provider. Some use the term “classic” for vehicles 20–40 years old and “antique” for those over 45. Others may require the vehicle to be a limited production model, have historical significance, or be registered with a recognized antique car club like the Classic Car Club of America (CCCA) or the Antique Automobile Club of America (AACA).

In Fort Worth, where car culture runs deep and vintage vehicle shows are common, many owners register their cars as “antique” with the Texas DMV to qualify for reduced registration fees. This step is not mandatory for insurance, but it strengthens your case when applying for specialized coverage. Ensure your vehicle’s title reflects its antique status and that all restoration work is documented with receipts and photographs.

Step 2: Assess Your Usage Patterns

Antique car insurance policies are typically usage-based. Unlike standard policies that assume daily commuting, antique policies assume limited driving—often 5,000 miles or fewer per year. Insurers want to know how often you drive your vehicle, where you drive it, and for what purposes.

Common acceptable uses include:

• Attending car shows and club events
• Participating in parades or vintage driving tours
• Driving to maintenance or restoration facilities
• Occasional weekend pleasure drives

Using your antique car for daily commuting, ride-sharing, or business purposes will likely disqualify you from antique coverage and may void your policy. Be honest during the application process. Misrepresenting usage can lead to claim denials or policy cancellation.

Fort Worth’s climate—with hot summers and occasional hail storms—makes storage and seasonal usage particularly important. If you only drive your vehicle from October to April to avoid extreme heat and storm damage, mention this to your insurer. Many companies offer seasonal coverage options that reduce premiums during months the vehicle is in storage.

Step 3: Gather Required Documentation

Insurance providers require specific documentation to approve antique car coverage. Without it, your application may be delayed or denied. Compile the following:

• Vehicle title – Must show the vehicle is registered as antique or classic in Texas.
• Proof of ownership – Bill of sale, previous registration, or auction receipt.
• Photographs – High-quality images of the vehicle from all angles, including the engine bay, interior, and VIN plate. Some insurers require before-and-after restoration photos.
• Appraisal report – A professional appraisal from a certified appraiser familiar with classic cars in the Fort Worth market. This establishes the vehicle’s agreed value.
• Proof of storage – Photos of your garage or secure storage facility. Many insurers require a locked, dry, and climate-controlled space.
• Driver’s license and driving record – A clean record with no major violations in the past three to five years is preferred.
• Membership verification – If applicable, proof of membership in an approved antique car club.

Some Fort Worth-based appraisers specialize in classic vehicles and are well-recognized by local insurers. Consider using one of these professionals to ensure your appraisal meets underwriting standards. Avoid using generic vehicle valuation tools like Kelley Blue Book—they rarely reflect the true market value of rare or restored antiques.

Step 4: Research Specialized Insurance Providers

Not all insurance companies offer antique car policies. Standard providers like State Farm or Allstate may offer “classic car” endorsements, but these often lack the flexibility and valuation accuracy of specialized insurers. Focus on companies that exclusively or primarily serve the collector vehicle market.

Top providers known for strong service in Texas and Fort Worth include:

• Classic Insurance Group – Offers agreed value policies, flexible mileage, and coverage for spare parts.
• Hagerty Insurance – Industry leader with strong reputation, extensive club partnerships, and claims specialists familiar with restoration.
• Grundy Insurance – Provides comprehensive coverage with no mileage restrictions for qualified vehicles.
• American Collectors Insurance – Offers coverage for modified antiques and has Texas-specific underwriting guidelines.
• Heacock Classic Insurance – Known for fast claims processing and coverage for show cars.

Compare policies across these providers using their online quote tools. Pay attention to:

• Agreed value vs. actual cash value (ACV) coverage
• Mileage limits and usage restrictions
• Storage requirements
• Claims process and turnaround time
• Additional benefits (e.g., roadside assistance for classics, trip interruption coverage)

Fort Worth has several independent insurance brokers who specialize in collector vehicles. These brokers work with multiple providers and can negotiate better terms based on your vehicle’s specifics. They often have direct relationships with underwriters and can expedite the application process.

Step 5: Choose Agreed Value Coverage

One of the most critical decisions in securing antique car insurance is selecting the right type of valuation method. Most standard policies use “actual cash value” (ACV), which factors in depreciation. For an antique car, this means you could be underpaid after a total loss.

Agreed value coverage means you and the insurer mutually determine the vehicle’s worth upfront, based on your appraisal. In the event of a total loss, you receive the full agreed amount—no deductions for depreciation. This is the gold standard for antique car insurance.

Be prepared to justify your agreed value. If you claim $85,000 for a 1967 Chevrolet Impala, your insurer will want to see:

• Recent sales data of comparable vehicles
• Restoration receipts totaling at least 60–70% of the value
• Documentation of rare features (e.g., original engine, factory options, matching numbers)

Some insurers allow you to adjust your agreed value annually. This is ideal if your vehicle appreciates due to restoration improvements or market trends. In Fort Worth, where demand for classic American muscle cars remains strong, values for well-maintained vehicles often rise steadily.

Step 6: Review Policy Exclusions and Add-Ons

Even among specialized insurers, policies vary in what they cover. Scrutinize the fine print before signing.

Common exclusions to watch for:

• Damage caused by improper storage (e.g., moisture buildup, rodent infestation)
• Modifications not approved by the insurer (e.g., aftermarket engines, non-original wheels)
• Driving outside the U.S. or Canada without prior notification
• Use in racing or competitive events

Essential add-ons to consider:

• Spares and parts coverage – Reimburses for replacement of original or hard-to-find components.
• Transportation coverage – Covers damage during transit to shows or repair shops.
• Emergency roadside service – Tailored for vintage vehicles, including towing to specialists familiar with carburetors and drum brakes.
• Global coverage – If you plan to take your car to events in other states or Canada.

Some Fort Worth collectors opt for “show car” coverage, which protects the vehicle even when it’s on display at events like the Fort Worth Classic Car Show or the Texas Auto Museum’s annual exhibition. Confirm whether your policy includes this.

Step 7: Complete the Application and Schedule Policy Activation

Once you’ve selected a provider and finalized your coverage terms, complete the application. Most companies allow online submission, but some prefer a phone consultation to discuss your vehicle’s history.

During this stage:

• Confirm your storage address. Many policies require the vehicle to be stored at the same location listed on your application.
• Provide the VIN and odometer reading. Some insurers require a baseline reading to track mileage.
• Pay the initial premium. Many providers offer discounts for annual payments or bundling with other policies (e.g., home or liability).

After approval, you’ll receive a policy document, ID card, and terms of coverage. Keep digital and physical copies. Store them with your vehicle’s title and restoration records.

Antique car insurance policies typically renew annually. Set a reminder 30 days before expiration to review your vehicle’s value, mileage, and usage patterns. Adjust your coverage as needed—especially if you’ve completed a major restoration or plan to drive more frequently.

Best Practices

Maintain Accurate Records

Documentation is your greatest ally in securing and maintaining antique car insurance. Keep a digital folder with:

• Photographs of every restoration phase
• Receipts for parts, labor, and detailing
• Appraisal reports from certified professionals
• Service logs and maintenance records
• Event attendance records (show programs, club newsletters)

These records prove the vehicle’s condition and value. In the event of a claim, they help expedite settlement and prevent disputes over depreciation or damage.

Store Your Vehicle Properly

Fort Worth’s humidity and temperature extremes can damage antique vehicles. Insurers often require secure, climate-controlled storage. Best practices include:

• Using a garage with temperature and humidity control (ideally 60–70°F and 40–50% humidity)
• Installing a battery tender to prevent battery drain
• Using fuel stabilizers and filling the tank to reduce condensation
• Placing desiccant packs and rodent deterrents inside the cabin and engine bay
• Covering the vehicle with a breathable, non-abrasive cover

Take monthly photos of your stored vehicle. This demonstrates ongoing care and may help in claims related to environmental damage.

Drive Responsibly and Consistently

Antique car insurance policies often require drivers to have a clean record and limited annual mileage. Even if you’re not commuting daily, avoid unnecessary long-distance trips. Frequent driving increases exposure to accidents and weather damage.

Consider using a trailer for long-distance travel to shows or events. Many policies cover damage incurred during transport if the vehicle is properly secured. This reduces wear and tear and keeps your annual mileage within limits.

Join a Recognized Antique Car Club

Membership in an approved club like the AACA, CCCA, or Texas Antique Automobile Club can qualify you for premium discounts and additional benefits. Clubs often provide:

• Access to local events and restoration workshops
• Networking with experienced owners and mechanics
• Insurance partnerships with preferred providers
• Guidance on documentation and valuation

Some insurers require club membership as a condition of coverage. Even if not required, joining one strengthens your credibility and may unlock exclusive policy options.

Review and Update Your Policy Annually

Antique car values fluctuate based on market trends, economic conditions, and collector demand. In Fort Worth, demand for 1960s American muscle cars has risen steadily since 2020. If your vehicle’s value has increased, your current agreed value may be outdated.

Each year, have your car reappraised and notify your insurer. Most companies allow you to increase your coverage amount without reapplying. Failing to update your policy can leave you underinsured if your vehicle is totaled.

Understand Texas-Specific Regulations

Texas allows antique vehicles to be registered with “antique” plates, which come with reduced fees and exemptions from certain emissions inspections. However, this registration does not automatically qualify you for antique insurance. Insurers use their own criteria.

Be aware that Texas law requires liability coverage for all registered vehicles, even antiques. Ensure your policy meets the state minimum ($30,000/$60,000/$25,000), but aim for higher limits—$100,000/$300,000 is recommended given the value of your vehicle and potential liability in accidents.

Tools and Resources

Online Valuation Tools

While Kelley Blue Book and Edmunds are not ideal for antiques, these tools offer useful market data:

• Hagerty Price Guide – The most trusted resource for classic car values. Updated quarterly and includes regional adjustments for Texas.
• ClassicCars.com Price Guide – Aggregates real-time listings from private sellers and dealers across the U.S.
• Bring a Trailer Auction Archive – Historical auction results for high-end classics. Excellent for benchmarking rare models.

Appraisal Services in Fort Worth

Local professionals who specialize in antique vehicle appraisals include:

• Classic Car Appraisals of North Texas – Based in Arlington, serves the entire DFW metroplex.
• Heritage Vehicle Consultants – Offers on-site appraisals and documentation packages.
• Fort Worth Classic Auto Group – Provides appraisal, storage, and restoration services under one roof.

Always verify that the appraiser is certified by the American Society of Appraisers (ASA) or the International Society of Certified Appraisers (ISCA).

Storage Facilities

Fort Worth has several secure, climate-controlled storage options for antique vehicles:

• Classic Car Storage of Texas – Indoor, climate-controlled bays with 24/7 surveillance.
• Auto Haven Storage – Offers monthly and annual leases with detailing services.
• Fort Worth Motor Museum Storage Unit – Exclusive to club members; includes event access.

Many insurers require proof of storage. Take photos of your unit’s security features, temperature controls, and your vehicle inside. Submit these with your application.

Insurance Comparison Tools

Use these platforms to compare policies side by side:

• Insure.com – Classic Car Insurance Comparison – Filters by state, vehicle age, and usage.
• Policygenius – Collector Vehicle Quotes – Connects you with specialized agents.
• Antique Auto Club of America’s Insurance Portal – Exclusive discounts for members.

Local Events and Clubs

Engaging with the Fort Worth classic car community helps you stay informed and connected:

• Fort Worth Classic Car Show – Held annually at the Will Rogers Memorial Center.
• Texas Auto Museum – Offers educational seminars and restoration workshops.
• North Texas Classic Car Club – Monthly meetups and group insurance discounts.

Attend these events to network with owners who’ve navigated the insurance process. Many are happy to share their provider recommendations and lessons learned.

Real Examples

Example 1: The 1965 Ford Mustang Fastback

John, a Fort Worth resident, purchased a 1965 Ford Mustang Fastback in 2021 for $42,000. He spent $28,000 over two years restoring it to factory specifications, replacing the original 289 V8 engine, interior, and paint. He documented every step with photos and receipts.

John applied for coverage with Hagerty and provided his appraisal report ($85,000 agreed value), proof of storage in a climate-controlled garage, and membership in the Mustang Club of America. His policy includes:

• Agreed value coverage
• 5,000 annual miles
• Spares and parts coverage up to $5,000
• Emergency roadside service
• Global coverage for trips to the Midwest

Annual premium: $480. When hail damaged the hood in 2023, Hagerty approved a full replacement using OEM parts within 10 days. John credits his documentation and choice of insurer for the smooth process.

Example 2: The 1958 Chevrolet Impala Convertible

Sarah owns a 1958 Impala Convertible she inherited from her grandfather. The car had been stored in an unheated barn for 15 years. After a $55,000 restoration, she sought insurance.

Her first application with a standard insurer was denied because the vehicle was not registered as antique with the Texas DMV. She corrected this, obtained a new title, and hired a certified appraiser. She also joined the AACA.

She chose Classic Insurance Group, which offered:

• Agreed value of $92,000
• Seasonal coverage (April–October only)
• Discount for club membership
• Free transportation to the Dallas Concours d’Elegance

Her premium dropped from $1,200 to $520 annually after switching to seasonal coverage. She now drives the car only to events and weekend drives, keeping it in optimal condition.

Example 3: The 1973 Porsche 911

Mark, a European car enthusiast, imported a 1973 Porsche 911 from Germany. He faced challenges because many U.S. insurers don’t cover imported classics unless they meet NHTSA guidelines.

He worked with American Collectors Insurance, who specialize in non-U.S. models. He provided:

• Proof of import compliance
• Original German registration and service history
• Appraisal from a Porsche specialist in Austin

His policy includes:

• Agreed value of $110,000
• Global coverage
• Parts sourcing assistance for rare European components

When a rear axle failed during a Texas Hill Country tour, the insurer coordinated with a specialist in San Antonio who had the exact replacement part in stock. The repair was completed in three days.

FAQs

What is the minimum age for a car to be considered antique in Texas?

In Texas, the DMV considers a vehicle antique if it is at least 25 years old. However, insurance companies may define antique as 20–45 years old depending on their internal guidelines. Always check with your insurer.

Can I use my antique car as a daily driver?

No. Most antique insurance policies require limited use—typically under 5,000 miles per year and for non-commuting purposes. Using your vehicle daily will void your policy and may result in claim denial.

Do I need to store my antique car in a garage?

Most insurers require secure, climate-controlled storage. Outdoor storage, even under a cover, may disqualify you from coverage or lead to claim denials for weather-related damage.

Can I insure a modified antique car?

Yes, but modifications must be disclosed. Non-original engines, aftermarket wheels, or performance upgrades may affect your coverage. Some insurers offer “modified classic” policies with adjusted terms.

How much does antique car insurance cost in Fort Worth?

Typical premiums range from $300 to $800 annually, depending on the vehicle’s value, usage, storage, and insurer. This is significantly lower than standard auto insurance for the same vehicle.

What happens if I total my antique car?

If you have agreed value coverage, you’ll receive the full pre-determined value listed on your policy. With actual cash value, you’ll receive the depreciated market value—which could be far less than your investment.

Can I add a secondary driver to my antique car policy?

Yes, but secondary drivers must meet the same criteria as the primary driver: clean record, age minimum (usually 25), and limited usage. Some insurers require them to be family members.

Do I need to have other insurance to qualify for antique coverage?

No. Antique car insurance is standalone. However, bundling with home or liability insurance may qualify you for discounts.

Can I get coverage for a kit car or replica?

Some insurers cover replicas if they closely resemble the original and are built to factory specifications. Others exclude them. Always disclose the vehicle’s origin and construction details.

How often should I get my antique car reappraised?

Every two to three years, or after major restoration work. Market values can rise quickly, especially for desirable models in Texas.

Conclusion

Obtaining antique car insurance in Fort Worth is a thoughtful, deliberate process that requires more than just filling out a form. It demands an understanding of your vehicle’s value, your usage patterns, and the specific requirements of specialized insurers. By following the steps outlined in this guide—from verifying eligibility and gathering documentation to choosing the right provider and maintaining meticulous records—you position yourself to secure comprehensive, affordable, and reliable coverage that honors your vehicle’s legacy.

The Fort Worth classic car community is vibrant and supportive, offering resources, events, and expertise that can guide you through every stage. Whether you’re restoring a 1950s Cadillac or preserving a 1970s Jaguar, your antique car is more than metal and paint—it’s a piece of history. Protecting it with the right insurance isn’t just smart financial planning; it’s an act of stewardship.

Don’t settle for generic coverage. Take the time to research, ask questions, and work with professionals who understand the unique world of antique automobiles. With the right policy in place, you can drive with confidence, show with pride, and preserve your vehicle for generations to come.