How to Get Antique Car Insurance in San Antonio

Owning an antique car in San Antonio is more than a hobby—it’s a celebration of automotive history, craftsmanship, and personal passion. Whether you’re restoring a 1957 Chevrolet Bel Air, preserving a 1965 Ford Mustang, or maintaining a rare European classic, your vehicle deserves protection tailored to its unique value. Unlike standard auto insurance policies, antique car insurance is specifically designed to safeguard vintage vehicles under conditions that reflect their limited use, historical significance, and often elevated market value. In San Antonio, where warm weather encourages year-round driving and a thriving community of collectors gathers at events like the San Antonio Antique Auto Show, securing the right antique car insurance is both practical and essential.

Many owners mistakenly assume their standard auto policy will cover their classic vehicle. This assumption can lead to severe financial risk. Standard policies use “actual cash value” (ACV) calculations that factor in depreciation—even for cars that appreciate in value. In the event of an accident, theft, or damage, this could leave you hundreds or even thousands of dollars short of what it would cost to restore or replace your antique vehicle. Antique car insurance, on the other hand, typically offers “agreed value” coverage, meaning the insurer and owner agree upfront on the vehicle’s worth, eliminating disputes during claims.

This guide provides a comprehensive, step-by-step roadmap to obtaining antique car insurance in San Antonio. You’ll learn how to qualify, compare providers, document your vehicle properly, and avoid common pitfalls that could invalidate your coverage. From understanding Texas state requirements to leveraging local resources and real-world examples, this tutorial equips you with everything needed to confidently secure the right policy for your classic car.

Step-by-Step Guide

Step 1: Determine If Your Vehicle Qualifies as Antique

Before applying for antique car insurance, confirm your vehicle meets the legal and insurer-defined 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 historical condition. However, most specialty insurers use stricter standards. Typically, they require:

• Vehicle age of 25 years or older (some require 30+ years)
• Original or factory-correct restoration
• Limited annual mileage (usually under 5,000 miles)
• Primary use for exhibitions, club events, or personal enjoyment—not daily commuting

For example, a 1990 Porsche 911 may not qualify with some insurers because it’s only 34 years old as of 2024, but others may classify it as “classic” rather than “antique.” Clarify terminology with each provider. Some use “classic,” “antique,” and “vintage” interchangeably, while others distinguish them by decade (e.g., vintage = 1919–1930, classic = 1930–1980, antique = 1980+). Always ask for their specific definition.

Step 2: Gather Required Documentation

Insurance providers require thorough documentation to verify your vehicle’s authenticity and value. Prepare the following:

• Original or certified copy of the Texas title showing your ownership
• Proof of vehicle restoration (before-and-after photos, receipts for parts, mechanic invoices)
• Vehicle history report (from Carfax or AutoCheck)
• Appraisal from a certified antique auto appraiser (highly recommended)
• Photos of the vehicle from all angles, including engine bay, interior, and odometer

Many insurers will not approve coverage without a professional appraisal. In San Antonio, reputable appraisers include specialists at the Alamo Classic Car Club or certified members of the Classic Car Club of America (CCCA). An appraisal not only supports your agreed value but also strengthens your claim in the event of loss.

Step 3: Research Specialized Insurance Providers

Not all insurance companies offer antique car coverage. Standard insurers like State Farm or Geico typically exclude classic vehicles from their policies. Instead, focus on specialty providers with experience in vintage vehicles. Top-rated companies serving San Antonio and Texas include:

• Hagerty – Industry leader with flexible mileage options and worldwide coverage
• Classic Auto Insurance – Offers agreed value policies and concierge claims service
• American Collectors Insurance – Strong reputation for collector vehicles in the Southwest
• Grundy Insurance – Known for comprehensive restoration coverage
• Heacock Classic – Offers discounts for club memberships and secure storage

Compare policies side by side. Look for:

• Agreed value vs. stated value (agreed is preferred)
• Mileage limits and usage restrictions
• Optional coverage for spare parts, tools, or trailer transport
• Claims response time and restoration network availability

Some providers offer discounts for members of recognized clubs such as the Antique Automobile Club of America (AACA), the San Antonio Classic Car Club, or the Texas Motor Museum Association. Always ask about membership discounts before applying.

Step 4: Determine Your Agreed Value

Agreed value is the cornerstone of antique car insurance. Unlike standard policies that use depreciated market value, agreed value means you and the insurer settle on a fixed amount upfront that will be paid out in the event of a total loss. This protects you from market fluctuations and undervaluation.

To determine your agreed value:

1. Review recent sales of identical or comparable models on platforms like Hemmings, Bring a Trailer, or ClassicCars.com
2. Consult your professional appraisal report
3. Factor in restoration quality: concourse-level restorations command higher values
4. Include documented upgrades (e.g., restored original engine, period-correct accessories)
5. Do not inflate value arbitrarily—insurers may request a second appraisal if they suspect overvaluation

For example, a 1967 Chevrolet Impala SS restored to concourse condition with original numbers-matching engine might be valued between $45,000–$65,000, depending on documentation and market demand. A driver-quality version with minor imperfections may be valued at $25,000–$35,000. Be precise. Overstating value may lead to higher premiums without added benefit; understating leaves you underinsured.

Step 5: Establish Usage and Storage Requirements

Most antique insurance policies require strict usage and storage guidelines to mitigate risk. These are non-negotiable and must be followed to maintain coverage:

• Annual mileage cap: Typically 2,500–5,000 miles per year
• Primary use: Only for pleasure driving, shows, parades, or club events
• Storage: Must be kept in a secure, enclosed structure (garage, climate-controlled unit)
• Driver restrictions: Only named drivers with clean records may operate the vehicle

San Antonio’s climate can be harsh on classic cars—high humidity, intense sun, and occasional storms. If you store your vehicle outdoors, your policy may be voided. Insurers often require proof of storage, such as photos of your garage or a lease agreement for a storage unit. Some providers offer discounts if you install a security system or alarm on your storage facility.

Step 6: Apply for Coverage

Once you’ve selected your provider and prepared your documentation, submit your application. Most specialty insurers offer online applications, but some prefer direct consultation with a specialist. During the application process:

• Answer all questions honestly, especially regarding driving history and vehicle use
• Upload all required documents (title, appraisal, photos)
• Confirm your agreed value and policy limits
• Choose optional coverages (e.g., roadside assistance for classics, towing for shows)

Some insurers require a vehicle inspection before issuing a policy. In San Antonio, many have approved inspectors who can visit your home or storage facility. This inspection verifies the vehicle’s condition, safety features, and storage setup. It typically takes 30–60 minutes and may cost $50–$150, but this fee is often waived if you proceed with coverage.

Step 7: Maintain Your Policy and Renewal Requirements

Antique car insurance is not a one-time purchase. Annual renewal is required, and failure to comply with policy terms can result in cancellation or claim denial. To maintain coverage:

• Submit annual mileage logs (most insurers require odometer readings)
• Notify the insurer of any modifications to the vehicle
• Update your storage location if you move
• Renew your membership in qualifying clubs if you’re receiving a discount

Some insurers offer multi-year policies with locked-in rates. Ask if this option is available—it can save money and reduce administrative hassle. Also, review your policy each year to ensure your agreed value still reflects current market trends. Antique car values can rise rapidly, especially for models in high demand like early Mustangs, Corvettes, or European sports cars.

Best Practices

Always Use Agreed Value Coverage

Never accept a “stated value” policy. Stated value means the insurer will pay up to the stated amount, but only if they agree the vehicle was worth that much at the time of loss. This creates room for dispute and potential underpayment. Agreed value is binding and protects you in every scenario.

Document Everything

Keep digital and physical copies of every document related to your vehicle: receipts, restoration logs, appraisals, photos, insurance correspondence, and event attendance records. In the event of a claim, a well-documented history can expedite settlement and validate your vehicle’s condition and value.

Join a Recognized Classic Car Club

Membership in a reputable club isn’t just a discount—it’s proof of your commitment to preservation. Clubs like the AACA, CCCA, or local San Antonio groups demonstrate to insurers that you’re a responsible owner who participates in the community. Many insurers offer 5–15% discounts for active members.

Store Your Vehicle Properly

Climate control is critical in San Antonio’s humid subtropical climate. Use a dehumidifier, battery tender, and fuel stabilizer. Cover your vehicle with a breathable fabric cover—not plastic. Insurers may require proof of climate-controlled storage, so keep receipts or photos of your garage setup.

Limit Use to Approved Purposes

Driving your antique car to the grocery store, commuting to work, or using it for ride-sharing services voids your policy. Stick to weekends, car shows, and scenic drives. Some insurers allow limited errands (e.g., gas station visits), but always confirm in writing.

Review Your Policy Annually

Market values shift. A car worth $40,000 in 2022 may be worth $60,000 in 2024 due to increased collector demand. Contact your insurer each year to reassess your agreed value. Some companies automatically adjust, but most require you to initiate the review.

Consider Additional Coverage

Ask about:

• Transportation coverage (for hauling your car to shows)
• Parts and accessories coverage (for rare or custom components)
• Event liability (if you participate in parades or public events)
• Emergency roadside assistance tailored for classics (e.g., tow trucks familiar with vintage transmissions)

Understand Texas Laws

Texas allows antique vehicles to be registered with special “Antique” or “Classic” license plates. These plates often come with reduced registration fees and exempt the vehicle from certain emissions testing. However, you must still carry liability coverage as required by state law. Antique insurance policies satisfy this requirement while offering broader protection.

Tools and Resources

Online Valuation Tools

Use these platforms to research current market values:

• Hemmings – Extensive listings of classic cars with auction results and market trends
• Bring a Trailer – Popular auction site with transparent sale histories and buyer comments
• ClassicCars.com – Classifieds with filters for condition, location, and price range
• NADA Guides – Classic Car Value Tool – Official valuation guide used by lenders and insurers

Local San Antonio Resources

Connect with the local community to gain insights and support:

• San Antonio Classic Car Club – Monthly meetings, restoration workshops, and annual shows
• Alamo Classic Car Museum – Offers appraisals and historical documentation services
• Texas Motor Museum – Hosts collector events and provides access to industry experts
• San Antonio Antique Auto Show – Held every March at the Henry B. González Convention Center; great place to network and compare policies

Professional Appraisal Services

For certified appraisals in the San Antonio area, contact:

• Classic Vehicle Appraisals of Texas – Certified by the International Society of Appraisers
• Southwest Classic Car Consultants – Specializes in GM and Ford classics
• Car Value Experts LLC – Offers mobile appraisals and digital documentation packages

Storage and Maintenance Tools

Protect your investment with these recommended products:

• Car Cover: Classic Car Cover by Covercraft – Breathable, UV-resistant, and custom-fit
• Battery Tender: Battery Tender Plus – Prevents sulfation during long-term storage
• Fuel Stabilizer: Sta-Bil 360 Performance – Protects ethanol-blended fuels common in Texas
• Dehumidifier: Eva-Dry E-501 – Compact, silent, and ideal for garage use

Insurance Comparison Platforms

Use these tools to compare quotes:

• Insurify – Aggregates quotes from specialty insurers
• CarInsurance.com – Filters for collector vehicles and provides policy breakdowns
• Policygenius – Offers personalized guidance for classic car owners

Real Examples

Example 1: The 1966 Shelby GT350 Restoration

John M. of San Antonio purchased a 1966 Shelby GT350 in 2021 with a damaged engine and faded interior. He spent $78,000 over two years restoring it to concourse condition, sourcing original parts from across the U.S. He hired a certified appraiser who valued the car at $145,000 based on auction comparables and restoration quality.

He applied with Hagerty, provided all documentation, and secured an agreed value policy with a 3,000-mile annual limit. He joined the AACA and received a 10% discount. His annual premium was $680—far less than the $2,100 he would have paid on a standard policy. In 2023, his car won “Best Restoration” at the San Antonio Antique Auto Show, increasing its market value to $160,000. He contacted Hagerty, submitted updated photos and a new appraisal, and had his agreed value adjusted without penalty.

Example 2: The 1970 Dodge Challenger R/T

Sarah L. inherited her father’s 1970 Dodge Challenger R/T. It had been stored in a non-climate-controlled shed for 15 years. She had it professionally restored for $42,000, but skipped an appraisal, assuming the restoration cost equaled value. She applied for insurance with American Collectors Insurance and was offered a $55,000 agreed value—$17,000 below her investment.

She appealed, provided receipts and photos, and requested a second appraisal. The insurer agreed to raise the value to $72,000 after reviewing the quality of the work. She now stores the car in a climate-controlled garage, logs all mileage, and attends two local shows per year. Her annual premium is $520. Had she skipped the appraisal, she would have been underinsured by over $20,000.

Example 3: The 1954 Jaguar XK120

A collector in Boerne, just outside San Antonio, purchased a 1954 Jaguar XK120 for $95,000. He drove it 8,000 miles in one year, attending multiple out-of-state events. His insurer, Grundy, discovered the excessive mileage during a routine audit and canceled his policy. He had to pay out-of-pocket for a minor fender bender because his coverage was voided.

He learned his lesson: he now limits driving to 2,500 miles annually, stores the car in a locked garage with a security system, and only drives it on weekends. He re-applied with Heacock Classic and now pays $720 per year with full agreed value coverage. He also joined the Jaguar Club of North America and receives a 12% discount.

FAQs

Can I drive my antique car every day in San Antonio?

No. Most antique insurance policies restrict use to pleasure driving, club events, exhibitions, or occasional errands. Daily commuting, ride-sharing, or commercial use will void your policy. Insurers require proof of limited use—typically under 5,000 miles per year.

Do I need liability coverage for my antique car in Texas?

Yes. Texas law requires all registered vehicles to carry minimum liability coverage: $30,000 per person, $60,000 per accident for bodily injury, and $25,000 for property damage. Antique car insurance policies include this coverage and often offer higher limits at low cost.

Can I insure a car that’s still being restored?

Yes. Many insurers offer “restoration coverage” for vehicles in progress. This protects against theft, fire, or damage during the build. You’ll need to provide detailed restoration plans, photos, and receipts. Premiums are typically higher during this phase.

What happens if my antique car is totaled?

If you have agreed value coverage, the insurer pays the pre-determined amount you and them agreed upon at policy inception—no depreciation, no negotiation. You can use that money to restore another vehicle or purchase a replacement.

Are modifications allowed on an antique car with specialty insurance?

Minor, period-correct modifications (e.g., upgraded brakes, modern seatbelts) are often permitted if they improve safety. Major changes (engine swaps, modern transmissions) may require approval or could void coverage. Always notify your insurer before making changes.

Do I need a separate policy if I own multiple classic cars?

Many insurers offer “garage policies” that cover multiple vehicles under one policy with a single premium. This is often more cost-effective than individual policies. Ask your provider about multi-car discounts.

Is my antique car covered if I take it to a car show out of state?

Yes. Most specialty policies offer nationwide coverage. Some even include international coverage for travel to Canada or Mexico. Confirm your policy’s geographic limits before traveling.

Can I get antique insurance if I have a poor driving record?

It’s more difficult, but not impossible. Some insurers will accept drivers with minor violations if they have a clean record for the past 3–5 years. Major offenses (DUI, reckless driving) may disqualify you. Consider adding a secondary driver with a clean record to the policy.

How much does antique car insurance cost in San Antonio?

Costs vary based on vehicle value, usage, storage, and driver profile. Most owners pay between $400 and $1,200 per year. A $50,000 car with 2,500 miles annually and secure storage typically costs $600–$800. Compare quotes from at least three providers to find the best rate.

Can I cancel my antique car insurance anytime?

Yes, but you may forfeit any unused premium. Some insurers charge a cancellation fee. If you’re selling the car, notify the insurer immediately to avoid paying for unnecessary coverage.

Conclusion

Securing antique car insurance in San Antonio is a straightforward process when approached with preparation, research, and attention to detail. By understanding your vehicle’s classification, gathering proper documentation, selecting a reputable specialty insurer, and adhering to usage and storage guidelines, you can protect your investment with confidence. The cost of a quality policy is minimal compared to the potential financial loss of an uninsured restoration.

Remember: antique car insurance isn’t just about protection—it’s about preserving history. Each vehicle you care for contributes to the legacy of American and global automotive culture. In San Antonio, where the streets echo with the roar of vintage engines and the community rallies around preservation, being a responsible owner means more than owning a classic—it means honoring it.

Take the time to get it right. Document everything. Join the community. Review your policy annually. And drive with pride—knowing that your antique car is not just insured, but truly cherished.