{"id":74,"date":"2026-01-30T12:00:00","date_gmt":"2026-01-30T18:00:00","guid":{"rendered":"https:\/\/www.theroarkinsuranceagency.com\/blog\/?p=74"},"modified":"2026-01-13T13:54:20","modified_gmt":"2026-01-13T19:54:20","slug":"do-you-need-classic-car-insurance-by-law","status":"publish","type":"post","link":"https:\/\/www.theroarkinsuranceagency.com\/blog\/do-you-need-classic-car-insurance-by-law\/","title":{"rendered":"Do You Need Classic Car Insurance by Law?"},"content":{"rendered":"<p>If you&#8217;re the owner of a classic car, you may be curious about the requirements when seeking the right insurance policy. While it&#8217;s not required by law to carry classic car insurance, traditional liability insurance is necessary. If you&#8217;re unsure of which type of insurance you need, we can help. At Roark Insurance Agency, serving Flatwoods, KY, we&#8217;ll work with you to determine if classic car insurance can provide you with the additional protection and coverage you&#8217;re seeking.<\/p>\n<h2>What the Law Requires<\/h2>\n<p>In most states, the law requires minimum liability insurance to help cover potential property damage and bodily injury you may cause to others anytime you&#8217;re behind the wheel. Valid registration and proof of insurance (liability) is also required.<\/p>\n<h2>Is Classic Car Insurance Mandatory?<\/h2>\n<p>No. Classic car insurance is not mandatory, but it can help with protecting the assessed value of your classic car, as the car appreciates over time. With traditional vehicles, cars typically lose value as soon as they are purchased (as opposed to a classic collectible car or truck).<\/p>\n<h2>When You Might Not Need Classic Car Insurance<\/h2>\n<p>You may not need insurance for your classic car if it&#8217;s not registered or if you do not currently drive it on public roads. Also, if you&#8217;re currently storing your classic car or it&#8217;s undergoing restoration, classic car insurance may not be necessary.&nbsp;<\/p>\n<p>Understanding the basics of classic car insurance can help you to determine if it&#8217;s right for you. At Roark Insurance Agency, serving Flatwoods, KY, we&#8217;ll help assess your driving record and needs to find a policy that works for you. If you want to know more about classic insurance and if you&#8217;re ready to see if it&#8217;s right for you, contact us today for your quote and consultation.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you&#8217;re the owner of a classic car, you may be curious about the requirements when seeking the right insurance policy. While it&#8217;s not required by law to carry classic car insurance, traditional liability insurance is necessary. If you&#8217;re unsure of which type of insurance you need, we can help. At Roark Insurance Agency, serving [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[18,20,28,21,14],"class_list":["post-74","post","type-post","status-publish","format-standard","hentry","category-classic-car-insurance","tag-classic-car","tag-flatwoods","tag-insurance","tag-ky","tag-roark-insurance-agency"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.9 - aioseo.com -->\n\t<meta name=\"description\" content=\"If you&#039;re the owner of a classic car, you may be curious about the requirements when seeking the right insurance policy. While it&#039;s not required by law to carry classic car insurance, traditional liability insurance is necessary. If you&#039;re unsure of which type of insurance you need, we can help. 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