Serving Harrisburg & Central PA

Classic Car Insurance

Insurance Coverage for Your Classic Vehicle

At Harner Insurance, we offer classic car insurance through Hagerty. Hagerty specializes in offering policies that are designed to meet the unique needs of classic car owners and collectors.

Give us a call today or contact us to get a free insurance quote.

Call 717-561-0547 for a personalized classic car insurance quote.

Auto Insurance

What Is Considered a "Classic Vehicle" in PA?

In Pennsylvania, a “classic” car must be at least 15 years old, not a reproduction model, manufactured at least 15 years prior to the current year, and maintained or restored to a condition that conforms substantially with the original manufacturer’s specifications and appearance.

The Pennsylvania Department of Transportation also has an “Antique” car distinction, which has rules similar to the classic car rules, but says that the vehicle must be manufactured more than 25 years prior to the current year.

Types of Classic Vehicles We Can Cover

  • Classic cars
  • Trucks
  • Motorcycles
  • Tractors
  • Military vehicles
  • Retired commercial vehicles
Recreational Vehicle Insurance
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How Much Does Classic Car Insurance Cost in PA?

A classic car insurance policy typically ranges between $400 and $1,000 annually, which is significantly less than coverage for a standard vehicle. Your premium will vary based on: where you live, your driving history, driver’s age, and the vehicle’s value.

Some classic car insurance policies might include certain eligibility restrictions and requirements. Examples include:

  • Secure storage for the vehicle(s)
  • Usage restrictions
  • Driver eligibility

Contact us to get a personalized quote.

Get a Quote or Ask a Question

If you are in the Harrisburg or Central PA area and are looking for a classic car insurance quote, call our Harrisburg office at 717-561-0547 or contact us to request more information.

Already Have Insurance With Another Provider?

Request an insurance consultation to review how you can:

Be sure you’re protecting what’s most valuable to you and that you’re not overpaying for insurance.

Schedule a No-obligation Insurance Review