Antique Car Insurance Dallas, TX

Tailored Protection for Your Vintage, Antique, or Collector Vehicle

Your classic car isn’t just a way to get from point A to point B - it’s a piece of history, a labor of love, and a symbol of craftsmanship. At the Thumann Insurance Agency, we understand the care and passion that goes into owning a collector vehicle. That’s why we offer specialized classic car insurance in Dallas that goes far beyond a standard auto policy.

Start Your Free Quote | Call 972.991.9100

What Makes Classic Car Insurance Different

Classic car insurance is built specifically for collector vehicles — and it shows. Unlike traditional auto insurance, which depreciates your car’s value over time, classic policies offer agreed value coverage, meaning you and the insurer agree on the vehicle’s worth upfront. If there’s ever a total loss, you’ll be paid that amount — no depreciation, no surprises.

Here’s what else sets it apart:

• Lower Premiums: Because your vehicle isn’t used for daily driving, premiums are typically much lower than standard policies.

• Specialized Protection: Coverage for rare replacement parts, restoration costs, and even spare parts can be added.

• Flexible Usage: Enjoy your vehicle on weekends, for car shows, parades, and leisure drives — without mileage restrictions.

• Expert Claims Handling: Work with adjusters who understand collector cars and their unique value.

We partner with providers who specialize in collector vehicles, so you get coverage that truly fits — not a one-size-fits-all solution.

Classic Car Insurance Requirements

Not Just Any Old Car Qualifies

Just because your car is old doesn’t mean it automatically qualifies for classic car insurance. This type of policy is meant for vehicles that are well cared for, not driven every day, and are part of what’s called the “collector lifestyle.”

To qualify for classic car coverage, your vehicle must:

• Be stored in a locked garage or enclosed space

• Be used only for car shows, club events, or weekend drives

• Be in good condition or in the process of being restored

• Not be your daily driver — you need to have a separate vehicle for regular use

• Typically be at least 25 years old (some exceptions apply for exotics or replicas)

• Be owned by a driver with a clean driving record (serious violations may disqualify you)

If you’re not sure your vehicle qualifies, our Dallas-based agents are happy to take a look and walk you through the options.

What’s Covered with Classic Car Insurance?

Classic car insurance covers much of what a regular auto policy does — but with key upgrades designed just for collectors.

Here’s what you can expect:

• Agreed Value Coverage
  You and the insurance company agree on what your car is worth. If there’s a covered total loss, you get that full amount — no depreciation.

• Liability Coverage
  Protects you if you're at fault in an accident that injures someone or damages their property.

• Comprehensive & Collision
  Covers damage from accidents, fire, theft, storms, or vandalism.

• Uninsured/Underinsured Motorist
  Helps if someone without enough insurance hits your classic car.

• Optional Add-ons
  Spare parts coverage, towing, and roadside help designed with show cars in mind.

With over 25 years of experience serving Dallas car lovers, we’ll help you get the protection your vehicle deserves — without overpaying or missing key coverages.

Why Classic Car Owners Across Dallas Trust the Thumann Agency

Local Expertise. Personalized Service. Fast Quotes.

Classic car owners choose us because we get it. We know what it means to own something special — and how important it is to protect it the right way.

Here’s why so many collectors in Dallas and across Texas rely on the Thumann Agency:

• We’re Independent
  We work with 80+ top-rated insurance companies, so we can shop around and find the best fit for your specific car — and your budget.

• We Know Classic Cars
  Our agents understand the unique needs of collector vehicles, from agreed value policies to rare parts coverage.

• We Make It Easy
  Get your quote fast. We handle the details and explain your coverage in plain English.

• We’re Here for the Long Haul
  With over 25 years serving Texans, we’ve built lasting relationships with collectors, restorers, and everyday drivers alike.

Whether you’re restoring a ’68 Camaro or showing off a pristine Porsche, we’ll treat your ride like our own. That’s the Thumann difference.

FAQs – Classic Car Insurance in Texas

• Do I need classic car insurance if I only drive on weekends?

Yes. Classic car insurance is designed for vehicles used occasionally — like weekend drives or car shows. If it's not your daily driver, this is the right kind of coverage.

• Can I drive my classic car every day?

No. Daily use is not allowed with a classic car policy. Your vehicle must be used for pleasure only, not for commuting or errands.

• Where do I have to store my classic car?

Your car should be kept in a secure, enclosed space — like a garage, private building, or storage unit. In some cases, covered carports may be accepted.

• How old does my car need to be to qualify?

Most classic car insurance policies require the vehicle to be at least 25 years old, but some exceptions are made for newer exotics, replicas, or specialty models.

• What if I’m restoring the car and not driving it yet?

That’s fine! You can still insure a car that’s being restored — as long as it's kept in a safe location and won’t be used for regular driving.

• Does my driving record matter?

Yes. Most insurers will check your driving history. Serious violations (like DUIs or reckless driving) can make it harder to qualify or may raise your rates.

• Can I get coverage if I don’t live in Dallas?

Yes! While we’re based in Dallas, we help classic car owners all across Texas find the right coverage.

Protect Your Classic with Confidence

Let’s Get You Covered — Fast.

Whether you’re cruising to a car show or polishing up a project in your garage, we’re here to help you protect the vehicle you’ve put so much time and care into.

With the Thumann Agency, you get:

Agreed value coverage
Fast, personalized quotes
Access to 80+ top insurance carriers
A dedicated team that knows collector vehicles

Let’s build a classic car insurance policy that fits your ride — and your life.

Start Your Free Quote | Call today 972.991.9100