Classic Car Insurance in Maryland

Coverage That Respects Your Automotive Investment

Classic and collector vehicles deserve more than standard auto insurance. Whether your car is a restored antique, a vintage cruiser, or a prized collector model, traditional auto policies often don’t reflect its true value. At Simpson & Blom Insurance, we help classic car owners across Annapolis & Beyond secure specialized coverage that protects both the financial and sentimental value of their vehicles — so you can enjoy your pride and joy with confidence.

What Makes Classic Car Insurance Different?

Agreed Value Coverage

Unlike standard auto insurance that pays actual cash value (depreciated), classic car insurance uses agreed value. This means you and the insurer agree on your vehicle’s value upfront — based on condition, restorations, and market trends — and that amount is paid in the event of a total loss.

Lower Premiums

Classic cars are typically driven less and carefully maintained. As a result, classic auto policies often cost less than standard auto insurance for comparable coverage.

Flexible Usage Coverage

Policies are designed for pleasure driving, car shows, parades, and weekend cruising — not daily commuting. These usage guidelines help keep premiums affordable.

Garage & Storage Protection

Most classic car policies require secure storage, such as a garage, helping protect your vehicle when it’s not on the road.

Spare Parts & Memorabilia Coverage

Many policies can include coverage for spare parts, tools, or collectible memorabilia associated with your vehicle.

Why Standard Auto Insurance Falls Short

Standard auto insurance is built for daily drivers — not collectible vehicles. It may undervalue restorations, custom work, or rarity. In the event of a loss, that gap can be costly. Classic car insurance is specifically designed to recognize your vehicle’s true worth and provide coverage that aligns with how it’s used and cared for.



Whether you’re showcasing your car at local events like Annapolis Cars and Coffee or enjoying relaxed weekend drives, having the right policy ensures your investment is properly protected.

Red convertible car driving on a road, with trees in the background, sun setting.

Is Your Vehicle a Candidate for Classic Car Insurance?

Many vehicles qualify for classic or collector coverage, even if they’re newer than expected.

Common eligibility factors include:



  • Limited annual mileage
  • Secure, enclosed storage
  • Secondary daily-use vehicle
  • Well-maintained or restored condition
  • Enthusiast or collector ownership

Our team helps review your vehicle and usage to determine the best coverage approach.

Common Questions About Classic Car Insurance

  • How do I insure a classic car in Maryland?

    We help you determine eligibility, establish an agreed value, and place coverage with carriers experienced in classic and collector vehicles.

  • What’s the difference between classic car insurance and regular auto insurance?

    Classic car insurance uses agreed value coverage and is designed for limited-use vehicles, while regular auto insurance uses depreciated value and assumes daily driving.

  • Are classic car policies expensive?

    Often no — because classic vehicles are driven less, premiums are frequently lower than standard auto insurance.

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

    In many cases, yes. Some policies can be tailored for vehicles under restoration. We’ll help explore your options.

  • Do you work with specialty classic car insurers?

    Yes — we partner with carriers experienced in collector vehicles to ensure proper coverage and claims handling.