How To Value Baseball Cards

For decades now, kids have collected baseball cards only to dismiss their collections and toss them in the trash by adulthood. Unfortunately, that has led to regret in many cases when the individuals realize the value of the asset they discarded. While baseball cards go up and down in value over the years based on several factors, they remain as one of the most popular collectibles in America. But what makes a baseball card valuable?

Card Valuations

There are two ways to determine the inherent value of baseball cards whether someone is looking to buy or sell, or simply for insurance purposes.

  • Book Value – This is the value of a baseball card based on expert opinion and general averages.
  • Market Value – This is the price the current market will bear. It is usually determined by the most recent sales of each baseball card through online services or memorabilia stores.

Baseball Card Condition

For collectors who invest significant money, the physical condition of a baseball card is the most important factor in determining how much they are willing to spend and accept for a card. Based on condition, each card is given a grade ranging from “Gem Mint” to “Poor.” There are four criteria typically used to evaluate baseball card condition.

  • Corners – Perfectly squared and unbent corners are preferred. Fraying, bending, cutting and other forms of damage will devalue the card.
  • Edges – Straight and undamaged edges are preferred. Fraying, chips, dents and uneven cuts will devalue the card.
  • Surface – Glossy surfaces with vibrant colors are preferred. Stains, fading, scratches and bad coloring will devalue the card.
  • Centering – Well-centered cards with equal borders to the edges are preferred.

Other Factors

Other criteria that can contribute to the value of a baseball card are scarcity, the player’s standing in baseball (Hall of Fame players are much preferred) and the personal value a seller or buyer might place on the card for sentimental reasons.

Assessing the value of a baseball card is not an exact science. Even though they tend to decrease or increase in value for a variety of reasons, most collectors are not in the business of buying or selling baseball cards. Most of them do it for the love of the game and childhood memories.


MiniCo offers several specialty insurance lines, including collectibles coverage. To learn more, contact MiniCo’s Customer Care Department at or 800-447-8383.

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