When is a car considered too old to have collision insurance?

Insurance companies generally don't have a specific age limit for insuring cars. Instead, they assess various factors, including the car's make, model, condition, mileage, and overall value, to determine whether it's eligible for collision coverage.

However, some insurance companies may decline collision coverage for cars that are considered "classic" or "antique," which typically means they are 20 to 25 years old or older. These cars are often more valuable and rarer, making it more expensive to repair or replace them in the event of an accident.

It's important to check with your insurance provider about their specific policies on insuring older cars. Some companies may offer classic car insurance or collector car insurance for older vehicles, which can provide specialized coverage tailored to the unique needs of these cars.