Yes, a 17-year-old can get classic car insurance, but it is significantly more challenging and expensive than for an adult. The primary hurdle is that most specialty classic car insurers require the primary policyholder to be at least 25 years old. This age restriction is due to the higher statistical risk associated with young, inexperienced drivers. However, a 17-year-old can typically be insured under a policy held by a parent or guardian who meets the age requirement, with the teen listed as a secondary driver. The car must also strictly qualify as a "classic," often meaning it's a certain age (e.g., 20-25 years old), used sparingly for pleasure, and stored securely.
The cost will be high. While classic car insurance is generally cheaper than standard insurance due to limited mileage, adding a teenage driver dramatically increases the premium. Insurance companies view young drivers as high-risk, and this risk assessment applies even to low-mileage classic vehicles. You should expect to pay a substantial amount.
Key Requirements for Insuring a Classic Car as a Teen:
| Requirement Factor | Typical Classic Car Insurer Stipulation | Impact for a 17-Year-Old |
|---|
| Primary Driver Age | Usually 25+ years old | Must have a parent/guardian as primary policyholder |
| Vehicle Usage | Limited, pleasure-only (e.g., < 5,000 mi/year) | Teen driver must adhere strictly to mileage limits |
| Vehicle Storage | Secure, enclosed garage required | Non-negotiable; proves low-risk storage |
| Driving Record | Clean record required for all drivers | Any violations on the teen's record will spike costs or cause denial |
| Vehicle Modifications | Often must be stock/original; modifications may require approval | Modifications can complicate the process and increase premiums |
To proceed, you'll need to speak with specialty insurers like Hagerty or Grundy directly. Be prepared to discuss the car's details, your driving history (even if short), and how the vehicle will be used and stored. You must also be realistic about the cost. In some cases, if the classic car is your only vehicle, a standard auto insurance policy might be the only option, though it will be very expensive and not offer agreed-value coverage.
