Don’t rely on a collector’s and the piping’s (collector loop’s) insulation to keep them from freezing. The main purpose of the insulation is to reduce heat loss and increase performance. For protecting the collector and piping from damage due to freezing temperatures, you basically have two options:

• Use an antifreeze solution as the heat-transfer fluid.
• Drain the collector(s) and piping (collector loop), either manually or automatically, when there’s a chance the temperature might drop below the liquid’s freezing point.

Source: EERE, US Department of Energy