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Classic car insurance works in the same way as standard car insurance, with two exceptions:
Classic car insurance policies often comes with an 'agreed valuation' clause. This is the amount you and your insurer agree to insure your classic car for.
This means if you need to make a claim, your insurer should pay out the amount it's actually worth, rather than the street value of your particular model, which can be less.
This is especially true if you've kept your car in immaculate condition.
To get an agreed valuation on your car, compare quotes, then contact your chosen insurer and ask if it's included with your cover.
Classic car insurance is typically cheaper than standard car insurance.
There are a lot of reasons for this, but it typically comes down to the fact that classic cars tend to be driven less that everyday motors. And the lower your mileage, the lower your insurance costs, AKA your premiums, tend to be.
Classics tend to be stored securely, and regularly serviced too. And of course, classic car owners tend to be more experienced.
All these factors mean it’s generally cheaper to insure a classic car than a newer model.
| Car make | Average price* |
|---|---|
| Ford |
£125
|
| Volkswagen | £133 |
| Austin |
£98
|
| Morris |
£102
|
| Land Rover |
£131
|
| Mercedes Benz |
£275
|
|
Porsche
|
£479
|
| BMW |
£183
|
| MG |
£103
|
| Triumph |
£91
|
The average price of standard car insurance is £719(2), according to the car insurance cost report. Different factors affect the price of car insurance, but generally classic car insurance tends to be quite a lot less than this. This is because:
Classic car owners drive their cars for leisure purposes, rather than for commuting. They might only be used a few times a year too for car shows or events. As a result, insurance prices tend to be cheaper.
Classic car owners take pride in their vehicles, and this usually involves regular maintenance by either themselves or mechanics. They're also stored securely in garages so criminals are less likely to steal them.
Drivers with more experience tend to pay less for their insurance. They might have built up their no claims bonus (NCB) which can bring insurance costs down even more.
*Based on Confused.com data, for cars over the age of 40 years from March - May 2026, comprehensive cover only. Some vehicle makes include an average price based on less than 1,000 quotes.
(2)UK car insurance prices report, March - May 2026.
Even though classic car insurance already tends to be cheaper than standard insurance policies, there are still ways to make it cheaper:
If you can keep your classic car in a driveway, secure car park or garage this could make your classic car insurance cheaper. Thieves are less likely to target a car that's securely parked, it also reduces the chances of another vehicle damaging your car.
Generally a car with modifications is more expensive to insure than one without. So if you can, avoid modifying your classic car. If your classic car does have a modification, it's worth looking into modified car insurance.
You must let your insurer know if you're modifying your classic car, otherwise your insurer might not pay out if you have an accident.
Increasing your car's security by adding an immobiliser or a vehicle tracker can help to deter thieves. Some insurers might give you a discount if you have an approved alarm fitted to your car too.
If this isn't possible with your classic car, you could buy more traditional security, like steering wheel or gear stick locks.
Generally the mileage for classic cars is much lower than average. But if you do more than this in your classic car, it might be worth trying to reduce your mileage and potentially benefit from cheaper insurance.
You could get cheaper car insurance by joining a classic car club. To be a member of a classic car club you have to keep your car in good condition. Insurers look favourably on this and might lower your insurance price as a result.
If you've another car as well as your classic car, multi-car insurance might work for you. With a multi-car policy, you can insure 2 cars on the same policy.
It's usually cheaper than insuring them separately, and it's more convenient as you only have to remember 1 renewal date.
We'll send you reminders around 25 days before your classic car insurance policy expires. This is usually the cheapest time to buy insurance(3).
It takes just 5 minutes to get a classic car quote, it's even quicker if you've used us before. Just log in to check your details are up-to-date.
(3)Confused.com data March - May 2026.
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