I live in NY and use classic insurance thru state farm. As long as your vehicle is old and "restored" and not a primary or secondary mode of transportation, you can use this. It is really cheap too. Does not provide collision coverage, so if your truck is worth mucho bucks, you will need to find another alternative. I have a couple old restored vehicles and drive them about 1000 and 3000 miles a year with this coverage. Cost is about $120 each per year