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Eligibility Rules

First, a few basic requirements must be met.
J.C. Taylor insures a wide range of collectibles, from stock antiques to street rods, vintage cycles to replicas, farm tractors to military vehicles – and many more - subject to our eligibility guidelines below. Some vehicles, such as dune buggies or custom cycles, may not qualify. If you’re unsure whether your vehicle qualifies, please feel free to contact us.

Vehicles must be at least 19 years old to qualify for our Antique/Classic Auto Insurance Program

(Note: In TX, vehicles must be at least 15 years old, and in MA, vehicles must be least 25 years old).

  • In restored or good, original condition, being generally free of rust, dents, damage, poor paint and heavy wear.
  • Be stored in a fully enclosed, locked garage (or similar structure) when not in use.
  • Be used primarily for hobby purposes, such as club activities, parades, or other functions of public interest. We understand your vehicle needs to be driven, so taking the car for a drive to “give it some exercise” or simply to enjoy it on a nice day, is perfectly acceptable and considered part of the hobby. We allow unlimited mileage for hobby use.
  • Accessories such as tow balls, tool boxes, bed caps, bed racks, winches or plow attachments are generally prohibited on the vehicles we insure, though exceptions are occasionally made.
  • Vehicles with roll cages, nitrous oxide systems, and/or substantial suspension lifts are generally ineligible.
Additionally, applicants and operators:
  • Must (in most states) be at least 25 years of age.
  • Have a good household driving record with no more than one moving violation and one at fault accident in the past 3 years. NOTE: Serious violations beyond 3 years may be subject to underwriting review.
  • Each licensed household member should have a fairly modern vehicle for their daily transportation needs
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