Many people keep jars of loose change, but a few coins hidden in plain sight have sold for millions at auction. This article explains how to spot rare dimes and quarters, what features raise value, and practical steps to examine coins in your own change.
Why rare dimes and quarters can be worth millions
Value comes from scarcity, condition, and demand. Some dimes and quarters were minted in very small numbers or have unique errors that collectors prize.
High-grade examples of early coins, well-preserved proofs, or coins with dramatic minting mistakes can fetch huge sums. Provenance and auction competition also push prices higher.
How to check your change for rare dimes and quarters
Inspect coins quietly and methodically. You do not need expensive tools to start—just a magnifier, good light, and a reference checklist.
- Use a 10x loupe or magnifying glass and a bright lamp.
- Check both sides for clear dates and mint marks.
- Look for doubled dies, repunched mint marks, or die cracks.
- Note the coin’s condition: scratches, wear, and luster matter.
Steps to follow when you find a potential rarity
- Do not clean the coin. Cleaning can destroy collector value.
- Take clear photos of obverse and reverse under good light.
- Compare with reference images from reliable numismatic sources.
- Consider getting a professional opinion or third-party grading if it looks promising.
Key dates and mint marks for rare dimes and quarters
Some specific dates or mint marks are historically valuable. Knowing the common key dates helps you prioritize coins when checking change.
- 1894-S Barber Dime — Extremely low mintage and famous among collectors.
- Early Draped Bust and Capped Bust quarters (late 1700s to early 1800s) — Very rare and highly sought after.
- 1932 Washington Quarter (D and S mint marks) — Key dates for Washington quarters; higher value in top condition.
- Proof and mint-state examples of older series — Proof dimes or quarters with low mintages can command strong prices.
Common error types that raise value
- Double die obverse or reverse (visible doubling of letters or images)
- Off-center strikes and clipped planchets
- Repunched mint marks (multiple impressions of the mint mark)
- Missing elements due to die breaks or filled die errors
Some coins struck in the 18th and 19th centuries are so rare that only a handful survive. These pieces can appear in estate collections and garage finds, so even older-looking coins in a jar deserve a second look.
Practical tools and references to use
Start with inexpensive tools and trusted references before seeking professional help. This reduces wasted trips to graders or dealers.
- 10x magnifier or jeweler’s loupe
- Soft gloves and coin sleeves to protect coins
- Reference books or reputable websites with coin images and price guides
- Local coin clubs or certified appraisers for in-person inspection
Case study: a real-world look at one famous dime
One of the most talked-about dimes among collectors is the 1894-S Barber dime. It had a tiny official mintage and only a few examples are known to exist today. That scarcity and collector interest have pushed prices into the seven-figure range for authenticated, high-grade pieces.
This case shows two practical lessons: first, very low-mintage issues can be worth far more than face value; second, authentication and grading matter. A genuine rare coin with professional certification will sell for dramatically more than an uncertified example.
What to do if you think you’ve found a valuable coin
If a coin looks rare, document it carefully and seek a second opinion. Follow a conservative path to preserve value and avoid scams.
- Photograph the coin from multiple angles with good lighting.
- Compare with reliable online databases and auction records.
- Contact a local coin club or certified professional numismatist (look for industry credentials).
- If warranted, submit the coin for third-party grading to confirm authenticity and condition.
Final tips for everyday checking
Make a habit of quickly scanning coins when you handle them. Learn a few key dates and the look of mint marks to speed up the process.
Keep coins in paper flips or plastic holders if you set aside candidates. Avoid cleaning or polishing, and keep records of where you found each piece.
Finding a rare dime or quarter in your change is unlikely but possible. With a little knowledge and careful handling, you can spot candidates worth further study and potentially significant sums at auction.