How Old Does a Car Have to Be to Be Considered a Classic?

Let’s get to the details.

What Defines a Classic Car?

Defining a classic car isn’t as straightforward as you might think. While age is certainly a factor, it’s not the only criteria. A classic car is one that’s older and of interest to collectors or automotive enthusiasts due to its historical significance, design, or rarity.

The Classic Car Club of America (CCCA) has a strict definition, considering only “fine” or “distinctive” automobiles built between 1915 and 1948 as classics.

Other organizations and enthusiasts have broader definitions. For instance, many states and insurance companies consider cars 20-25 years old to be classics. Some even include newer “modern classics” that have already achieved collector status due to their unique features or limited production.

Ultimately, what defines a classic car can depend on who you ask—be it a car club, an insurance company, or a state DMV. This flexibility in definition means that your cherished ride might qualify as a classic even if it’s not as old as you think it needs to be.

What are the Classic Car Categories?

There are four main categories of classic cars:

1. Antique vehicles: typically manufactured before 1918 such as the 1908 Ford Model T and 1913 Duesenberg Model J.
2. Vintage vehicles: produced between 1919 and 1930, such as the 1925 Rolls-Royce Phantom.
3. Classic cars: older than 25 years, such as the famous Chevrolet Corvette, 1989 Mercedes-Benz, and the Ford Mustang Cobra Jet.
4. Classic sports and muscle cars: known for their performance and design. Examples: 1971 Plymouth Hemi ‘Cuda, 1970 Dodge Challenger, 1969 Chevrolet Camaro, or Porsche 911.

How Old Does A Classic Car Have To Be For Insurance Purposes?

For insurance purposes, a car typically needs to be at least 20 to 25 years old to be considered a classic.

This age range is commonly used by insurance companies to classify vehicles as classics, though the exact requirements can vary based on the insurer’s criteria and the type of classic car insurance coverage being sought.

Classic car classification:
Age requirement: generally 20-25 years old.
Condition: often needs to be in good to excellent condition.
Usage: typically driven less frequently, often with mileage limitations set by the insurance policy.
Value: the vehicle is usually appraised or valued based on its rarity, historical interest, and market value, rather than depreciation.

Examples by insurers:
Hagerty insurance: classifies cars 20 years and older as classics.
State Farm: often considers cars 25 years and older as classics.
American Collectors Insurance: requires cars to be at least 25 years old for classic car insurance.

Additional requirements:
Storage: must be stored in a secure, enclosed space, such as a garage.
Usage limitations: may only be allowed for pleasure driving, exhibitions, club activities, and occasional use rather than daily commuting.
Condition standards: the car should be maintained or restored to at least good condition, though some insurers have specific criteria for the level of restoration.

Always check with specific insurance providers for their exact definitions and requirements for classic car insurance, as policies can differ significantly from one company to another.

Classic cars are usually cheaper to insure than modern vehicles, because of their limited use and the type of coverage offered.

Insurers offer lower premiums for classic cars because they are driven less frequently, often only on special occasions, which reduces the risk of accidents.

How Old Does a Car Need to Be to Register It As a Classic?

To register a vehicle as a classic car, it generally must be between 20 to 30 years old, often 25 years or older.

The car should be well-preserved or restored to its original specifications. Classic registration usually restricts the car’s use to fun events like parades and car shows, so you can’t use it for your everyday commute.

Owners must provide proof of the car’s age through documentation, such as the original title or a registration certificate. Some states may also require a physical inspection. Once the car gets approved, you will receive special license plates or antique plates.

Examples by State

Here are the examples of how some states classify classic cars:

California: a car must be at least 25 years old and primarily driven for historical exhibitions or parades to qualify for classic plates.
New York: vehicles are eligible for “Historical” license plates if they are at least 25 years old and used solely for club activities, exhibitions, tours, parades, and occasional transportation.
Texas: for registration purposes, the “Classic Auto” designation is available for vehicles 25 years or older, intended for special occasions, not as a daily driver

Additional Considerations

Classic car registration may impact insurance rates. Owners often need classic car insurance policies aligned with registration requirements.

Specific restrictions on mileage and permitted activities vary by state. Always check local Department of Motor Vehicles (DMV) guidelines for the most accurate and current requirements.

Can a Newer Car Be Considered a Classic?

Sometimes, newer cars can be considered classic. While most classic car definitions require vehicles to be at least 20-30 years old, there are exceptions. Limited-production or unique models with significant cultural impact or collectible status can be recognized as classics even if they are newer.

Factors like historical significance, rarity, and exceptional design can contribute to a newer car being deemed a classic by enthusiasts and certain insurance policies.

What are the Advantages of Classic Vehicles?

Classic car owners like these vehicles for the following reasons.

1. Value
2. Uniqueness
3. Nostalgia
4. Simple mechanics
5. Low insurance costs

Appreciation in Value

Unlike standard vehicles that depreciate steadily, well-maintained classic cars can retain or even gain value as they age. Each year makes them rarer, especially classics in original condition or restored to their former glory—-they’re like fine wine.

Uniqueness

Owning a classic car sets you apart from the crowd because of its distinctive design and increasing rarity on the roads. Unlike mass-produced modern cars that blend in, a vintage ride stands out for its unique styling, so you won’t have trouble finding it in a packed parking lot.

Nostalgia

For older generations who lived through the era, classics are a sentimental reminder of the styles and culture from their youth. Seeing a classic car like the Mustang Boss may recall memories of a first car or road trip. Even younger generations can appreciate classics as a snapshot of retro design.

Simpler Mechanics

The mechanical components of most classic cars are less complex than modern vehicles, making them more accessible for owners to maintain and repair themselves.

Engines often utilize basic carburetion rather than computerized fuel injection controls. This makes tuning and modifications more straightforward.
Transmissions have fewer forward gears (3-4 speeds) and lack complex electronic controls. Shifting feels more hands-on and intuitive.
Ignition points, condensers, and distributors are basic compared to modern computerized ignition control modules. They’re easy to adjust and service.
Electrical systems don’t have the intricate network of sensors and modules found in new cars. Troubleshooting issues is more straightforward.
No onboard engine management computers to diagnose. Mechanical issues can be identified through hands-on inspection and testing.
Interchangeable parts between same-era models abound. Finding compatible replacement components is easier.

Lower Insurance Costs

Insuring a classic or antique car often costs significantly less than insuring a new vehicle.

There are a few key reasons for this:

Classics are typically not used for daily commutes, so fewer miles driven annually lowers risk. This is why most insurance companies offer discounted ” pleasure use” plans.
Owners tend to be older and more experienced drivers with good records, representing lower risk. Safe storage also reduces theft and damage risk.
Limited usage means lower premiums for collision and comprehensiveness. Most owners select just liability coverage.
No need for expensive collision avoidance tech and replacement parts coverage.

What are the Disadvantages of Owning Classic Automobiles?

A classic car comes with the following disadvantages.

1. Unreliability: classic cars can be less reliable than modern vehicles due to their age and older technology. Regular maintenance and tune-ups are essential to keep them running well.
2. Fuel efficiency: classic cars generally have lower fuel efficiency compared to modern vehicles.
3. Expensive parts: sourcing parts for classic cars can be expensive, as they may need to be custom-fabricated or imported from other countries.
4. Rust and corrosion: classic cars, especially those made before the 1980s, are more prone to rust and corrosion due to the materials used in their construction.
5. Lack of safety features: classic cars do not have the same safety features as modern vehicles, such as airbags, anti-lock brakes, and crumple zones, which can make them less safe in crashes.
6. Comfort and convenience: classic cars lack modern comforts and conveniences, such as air conditioning, power windows, and infotainment systems.
7. Insurance limitations: some insurance policies for classic cars may not cover the actual value of the car or allow daily driving.

Where is the Best Place to Buy a Classic Car?

If you’re trying to figure out where and how to buy a classic car, you have the following options:

1. Buy a classic from a classic car dealer.
2. Buy a classic vehicle from a private seller.
3. Buy from a website such as Cars and Bids or Hemmings.
4. Buy on PrivateAuto with our easy self-serve technology

You’re better off buying from a private seller. Skip the dealers (and their markups and fees) and go to the source.

Many classic car sellers choose to sell their classic car via auction format. That’s because it’s difficult for a seller to establish how much their car is worth via standard methods like a vehicle value calculator or Kelley Blue Book value. By choosing to sell via auction, sellers can see how much buyers are willing to pay.

As a buyer, you’ll pay hefty fees on other auction websites, often as much as 5% of the vehicle’s purchase price. On PrivateAuto, you’ll pay a $150 closing fee, and that’s it.

The advantages of PrivateAuto go far beyond lower prices. Other car-buying websites let you find a car and leave you to navigate the cumbersome purchase process on your own. PrivateAuto gives you a complete self-serve technology stack to handle every part of the transaction.

From instant payments to secure communications, we give you the power to drive the deal on your terms. That’s why we’re the best place to buy a used classic car online.

If you find your dream car on another website, that’s fine, too. Our DealNow feature allows you to start a deal anywhere and finish it on PrivateAuto. Just create your own personal dealroom, invite the seller, get the deal done, and send payment. It’s so easy, you’ll never want to buy a classic car any other way.

Shop classic cars for sale by owner to start your journey.

Classic Car FAQ

Are 20 year old cars classics?

Many classic car clubs and insurers recognize vehicles 20 years or older as potential classics. But this is not a universal standard. Condition, rarity, and historical significance play a crucial role in its classification.

What happens when a car is 25 years old?

When a car reaches 25 years old, it often gains eligibility for classic car status, allowing for special registration and insurance benefits.

Classic car registration includes reduced fees and unique license plates, while insurance options offer lower premiums and agreed value coverage.

How old does a car have to be to be considered an antique vs a classic?

Classic cars are usually 20 to 40 years old, representing a past era’s design and technology. They’re often kept in good condition and may be used for pleasure driving and shows.

Antique cars, on the other hand, are over 60 years old. These older vehicles are seen as rare treasures, often restored to their former glory, and cherished for their historical significance and craftsmanship.

Are classic cars good for daily driving?

You can drive a classic car as your main vehicle, but you may not want to. It all comes down to how much you drive, your can, and your priorities. Some classic cars, such as the Ford Mustang convertible, are known for their durability and can be driven daily with proper care.

What are historic vehicles?

Historic vehicles are recognized for their age and historical significance. A vehicle is classified as historic if it is 25 years or older and has been maintained or restored to reflect its original specifications. These vehicles represent periods in automotive history and are preserved for their cultural and mechanical value.

Unlike modern cars, historic vehicles are often used sparingly, for events like parades, car shows, _club events_, and exhibitions, rather than regular driving.

What is the best classic car to invest in?

The Ferrari 250 GTO is considered one of the best classics for investment, with multi-million dollar auction sales and continual price appreciation. But the Mercedes-Benz 190 and Toyota MR2 Mk1 are good investments as well.

What is the rarest classic car?

The 1967 Ferrari 275 GTB/4*S NART Spider is one of the rarest, with only 10 units produced. It has sold for over $25 million at auction.

What's the most desirable classic car?

When it comes to most breathtaking classic rides, there are a handful that really rev enthusiasts’ engines.

1. Ferrari 250 GTO
2. Lamborghini Miura
3. Ford Mustang Boss 429
4. Aston Martin DB5
5. Mercedes 300SL Gullwing
6. Jaguar E-Type Series I
7. 1967 Chevrolet Impala

How to research classic car pricing?

Figuring out what a classic car is worth takes some digging—you can’t just pop the VIN into our handy value calculator or the Kelley Blue Book like a regular car! But getting to the bottom of fair pricing is totally doable with the right research.

First up, get super detailed on exactly what make, model, and year you’re dealing with. A 1969 Mustang is different from a 1970, and a base model Coupe varies big time from a Boss 302.

Then dig into recent sales listings on all auction websites—this gives you the ballpark range.

Better yet, auction your car yourself with our self-serve, low-cost auction technology—and find out what the market is willing to pay.

Where is the best place to sell my classic car?

If you want to sell your classic car, you can get way more for it by going directly to a private buyer than you could with a dealer trade-in.

Classic car dealers have to buy low so they can mark your car up and make a profit. When you sell directly to the end user, you capture that extra profit.

PrivateAuto gives you dealer-like convenience in the palm of your hand, so you can sell your classic on your terms.

– Never give out your contact info
– Steer clear of car scams with identity verification
– Act as your own escrow service with our escrow-like safeguards
– Get paid instantly, up to $1M, with no transfer fees

Even better, you can list your car on other marketplaces. If you find a buyer, you can use our DealNow feature to invite the buyer to a fast-tracked dealflow that gives you all the advantages of our transactional infrastructure.

Create your listing on PrivateAuto now and see how easy selling your classic can be.