As a "Gen Z" kid, I do have my license, and two cars. A 91 Caprice wagon, and an LT1 powered 96 Caprice sedan (basically just an Impala SS but without the badges).
The LT1 is a hoot, and I drive it almost every day.
I wouldn't consider either car to be a classic though.
Most classics are out of my reach, due to price of course, but some, like a Corvair, are still affordable, even for a Gen Z kid.
Up until June 2020, I put an average of 5k/yr on my 1958 356. Last June, I “encountered” another driver who did not see me in a sea of SUVs and pickup trucks and pulled out of a parking lot and into my DS fender. Not much damage, relatively speaking, but the car has been “off line” for going on 14 months being repaired. Aside from the damage, the accident gave me pause: what would have happened if we were both doing 60 mph? (I wouldn’t be typing this) So, when the car comes home, I think I’ll be a lot less eager to jump in it for a joy ride knowing my life may be at risk. I love it, but like I’ve always said, I don’t want to die in it.
Hate to say it, but this is an area where Hagerty does not have a true perspective on what they are trying to analyze, so your conclusions are way off. Hagerty’s policies specifically exclude certain age groups as well as certain vehicle usage, thus you know very little about those demographics. Two of my now young adult children have collector vehicles as their only vehicles, thus their daily drivers. They’ve had them since we restored them together when they were teens. They are now out on their own as adults and still passionate about collector vehicles. However, they are still too young for Hagerty’s policies and Hagerty wouldn’t cover their vehicles anyway since they are daily drivers clocking over 10,000 miles a year. I have a collector car insured with Hagerty that sits in the garage most of the time because of policy restrictions. I also have another collector vehicle that I daily drive, probably average 10,000 miles per year, not insured with Hagerty because they don’t cover daily drivers.