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Classic Car Insurance in Libertyville, IL and Gurnee, IL

Classic Car Insurance in Libertyville, IL and Gurnee, IL


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Classic Car Insurance in Libertyville and Gurnee

Whether it’s just a hobby, or it makes you a living, your classic car deserves the best protection. At Jim Kelly Insurance, we have experience providing classic car insurance to residents in Illinois and Wisconsin.

Not all auto policies are created the same—and sometimes, that’s a good thing. One instance in which a unique car insurance policy is ideal is for classic cars. This type of auto policy can help secure the additional protections your vehicle may need. At Jim Kelly Insurance, we want to help you find the right classic car insurance policy for you and your classic vehicle. Give us a call today to learn more.


We take the time to understand every customer’s unique insurance needs, and help them create a plan that meets their lifestyle. Our classic car insurance coverage includes:

  • Antique and classic cars
  • Postwar vehicles
  • Muscle cars
  • Classic trucks and utility vehicles
  • Vintage motorcycles and scooters
  • Modified vehicles – like hot rods, tuners and lowriders
  • Antique tractors
  • Vintage race cars
  • Classic military vehicles
  • Kits and replicas
  • Retired commercial vehicles
  • Vehicles under construction

Common Classic Auto Insurance Questions:

What Does Classic Car Insurance Cover? 
Classic car insurance is a unique type of coverage that protects unique, antique or classic cars. Generally, these policies cover cars that are at least 25 years old and muscle cars or other luxury vehicles.

What’s covered under your specific policy may vary, but most typical classic car policies may provide:

  • Agreed value coverage helps pay for the car’s full-insured value with no depreciation in the event of a total loss, less your deductible. 

  • Inflation guard helps compensate for inflation and appreciation; this policy helps increase the vehicle’s value quarterly.

  • Spare parts coverage helps provide coverage for your vehicle’s spare parts.

  • Flexible usage provides limits on mileage ranging from 2,500 to 5,000 miles annually.

To learn more about coverage options, and to find out what additional options may be available to you, contact a Jim Kelly Insurance agent.

What Kind of Insurance Do You Need for a Classic Car?
You need classic car insurance if your car qualifies as a classic or antique. Standard auto insurance generally does not cover classic cars because they are typically not meant to be driven as frequently as standard automobiles.

Is Classic Car Insurance Expensive? 
Depending on your unique situation, including the type of car, age, claims history, credit history, marital status, and more, your policy premium may vary. Your Jim Kelly Insurance agent can help you understand your premium rates.


As a local agency, we make ourselves accessible to our clients when they need us most. Call or contact us to learn more about this coverage. To get started on a policy, request a quote.