Determining if a United States quarter dollar contains silver primarily involves examining its date and physical characteristics. Quarters minted in 1964 and earlier are composed of 90% silver and 10% copper. Those produced from 1965 onward are clad coins, consisting of layers of copper nickel bonded to a core of pure copper. Thus, the year of minting is the initial determining factor.
Identifying the presence of precious metal in older quarters offers several benefits. These coins possess intrinsic value tied to the fluctuating price of silver, making them potentially more valuable than their face value. The historical significance of these coins also adds to their collectibility. Prior to the mid-1960s, silver coinage was a standard aspect of the American monetary system.