CLASSIC CAR
Classic Car Insurance in Florida
Classic-car policies in FL use agreed-value coverage (you and the carrier agree the payout up front) instead of actual cash value — and limited mileage tiers make them often CHEAPER than your daily-driver policy.
RATE COMPARISON
FL monthly premium — by carrier
Sample driver · 35yo · clean record · full coverage
cheapestothers
Direct Auto· non-standard
$98/mo
GEICO
$104/mo
Progressive
$118/mo
National General
$121/mo
Mercury
$128/mo
Travelers
$132/mo
State Farm
$145/mo
Allstate
$167/mo
12+ FL carriers in match pool
60s quote · no obligation
SR-22 / FR-44 same-day
ITIN / foreign license OK
Liability-only from $58/mo
FL CITIES
Classic Car quotes by FL city
Local rate context — or run a quote from any FL ZIP.
South FL
Miami
Miami-Dade County · pop. 442,241
avg full cov. $4,400/yrView
Tampa Bay
Tampa
Hillsborough County · pop. 398,173
avg full cov. $3,300/yrView
North FL
Jacksonville
Duval County · pop. 949,611
avg full cov. $2,700/yrView
Central FL
Orlando
Orange County · pop. 307,573
avg full cov. $3,100/yrView
Tampa Bay
St. Petersburg
Pinellas County · pop. 263,553
avg full cov. $3,000/yrView
South FL
Hialeah
Miami-Dade County · pop. 223,109
avg full cov. $4,500/yrView
South FL
Fort Lauderdale
Broward County · pop. 182,760
avg full cov. $3,900/yrView
SW FL
Cape Coral
Lee County · pop. 224,455
avg full cov. $2,900/yrView
North FL
Tallahassee
Leon County · pop. 197,974
avg full cov. $2,400/yrView
Treasure Coast
Port St. Lucie
St. Lucie County · pop. 231,790
avg full cov. $2,800/yrView
South FL
Pembroke Pines
Broward County · pop. 171,178
avg full cov. $3,700/yrView
South FL
Hollywood
Broward County · pop. 153,067
avg full cov. $3,700/yrView
FAQ
FAQs
Yes. Classic-car policies (Hagerty, Grundy, American Modern, J.C. Taylor) use agreed-value coverage and limited mileage tiers — often making them CHEAPER than insuring the same car as a daily driver. Vehicle generally must be 15–25+ years old, in restored condition, and not used as primary transportation.
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