Classic car insurance typically offers coverage types similar to a personal auto insurance policy:

Liability auto insurance

This coverage pays for damage and injuries you cause to others. It also pays for a legal defense in case you are sued because of a car accident you caused. This coverage type is required in most states if you plan to drive your vehicle on public roads.

Collision and comprehensive insurance

Together, these insurance types cover a wide range of problems such as accident damage to your own car, auto theft, vandalism, collisions with animals, fire, flood, hail, falling objects and riots.

Uninsured motorist coverage

This coverage pays for your medical bills if someone without insurance crashes into you. Some states require you to carry this coverage. In some states, it can also cover car damage caused by an uninsured driver.

In addition to the standard coverage types, classic car insurance typically has some optional coverage types that you can tailor to your needs:

They’re often more expensive than everyday rides, and they may require more complicated and specialized repairs if they’re damaged. Classic and collector cars are also, by virtue of their value and rarity, more likely to be stolen or vandalized, making insurance all the more important.