Collector car insurance · Texas
Collector car insurance for the cars you keep
Classic, antique, exotic and modified vehicles often don’t fit a standard auto policy. We compare collector vehicle options from multiple carriers, including specialty markets for collector vehicles.
TexPro Insurance is an independent insurance agency based in Houston, Texas, licensed in Texas only, serving clients across the state with property and casualty coverage.
The basics
Why a collector car needs its own policy
A standard auto policy is designed for cars that lose value every year. The Texas Department of Insurance notes that when a car is totaled, insurers generally pay its actual cash value, which is replacement cost minus depreciation. For a restored muscle car or a vintage truck that’s gained value, that formula can leave a real gap.
Collector vehicle policies are usually built differently. Many offer agreed value coverage, where you and the insurance company settle on the car’s value when the policy is written, so there’s less debate after a total loss. In exchange, they typically come with usage rules: limited pleasure driving, secure storage and a separate everyday vehicle for each driver in the household.
We start by learning about the car, how you use it and where it’s kept. Then we compare what different carriers will and won’t cover, so you can choose with the trade-offs in plain view.
What it covers
What a collector car policy can include
Coverage varies by carrier and policy form. Here’s what we typically review with you.
Agreed or stated value
Agreed value sets the car’s value up front. Stated value can work differently at claim time, so we explain which one you’re getting.
Liability
Texas requires at least 30/60/25 liability. Many collectors choose higher limits, especially for high-value cars.
Comprehensive and collision
Physical damage from accidents, theft, fire, hail, flood and vandalism.
Spare parts and tools
Some policies include limited coverage for parts and tools kept with the vehicle.
Towing and roadside
Some policies offer towing options suited to low-clearance or specialty vehicles.
Shows, clubs and transit
Some policies cover the car at shows or while being transported. Terms vary by carrier.
General summary only. The actual policy language controls, and all coverage is subject to underwriting approval.
Who it’s for
Is this you?
- Owners of classic and antique cars, vintage trucks and muscle cars
- Owners of exotic and high-performance vehicles kept primarily for pleasure use
- Collectors with several vehicles who want them managed together
- Owners of restoration projects or modified vehicles
- Drivers who take their cars to shows, club drives and cars and coffee events around Houston
Texas auto facts to know
- Texas law requires at least $30,000 of injury coverage per person, $60,000 per accident and $25,000 for property damage (30/60/25). The state says the minimum might be too low for many drivers.
- Standard auto policies generally pay a totaled car’s actual cash value, which subtracts depreciation.
- Comprehensive coverage pays if a car is damaged by fire, flood, vandalism or theft. In Houston, where a car is stored matters during storm season.
Source: TDI, Auto insurance guide. (opens in a new tab) Reviewed Oct 2026.
How TexPro helps
Advice first. Then the quote.
We start with your situation
What you own, what you drive, what you’d stand to lose. Coverage is built around that, not a template.
We shop multiple carriers
We compare coverage, limits, deductibles and price across carriers, and show you the differences side by side.
We stay with you
Changes, renewals, certificates and claims questions. You call the same Houston team that set up your policy.
FAQ
Frequently asked questions
What’s the difference between agreed value and actual cash value?
Actual cash value is replacement cost minus depreciation, figured at the time of loss. Agreed value is a value you and the insurance company settle on when the policy is written, which is generally what’s paid after a covered total loss, minus any deductible. Coverage depends on your policy.
Can I drive my collector car every day?
Usually not on a collector policy. Most collector programs limit use to pleasure driving, shows and club events, and many have mileage limits. A car you drive daily typically belongs on a standard auto policy.
What do carriers usually ask for?
Common requirements include enclosed, locked storage, a separate regular-use vehicle for each driver, a clean driving record and photos or documentation of the car’s condition and value. Requirements vary by carrier.
Can a car under restoration be insured?
Often, yes. Some carriers offer coverage that can be adjusted as restoration work adds value. Let us know the car’s current condition and your plans.
Does collector car insurance cover flood damage?
Flood damage to a vehicle is typically covered under comprehensive coverage, if you carry it. Coverage depends on your policy, so we’ll confirm it when we compare options.
Tell us about your car.
Year, make, model, how you use it and where it’s garaged. A licensed TexPro agent will compare collector options from multiple carriers and walk you through them.