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Owning a Japanese import car has many advantages, including high resale value. In this article, we will help you protect your investment by exploring the options of the Japanese import auto insurance plan.

You can use the free tool below to find the best insurance deals on the market today. Our team of seasoned auto experts has screened all of the major insurance providers and identified the best auto insurance companies in the industry. When it comes to considering your options, please enter your zip code to receive quotes from some local suppliers.

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Overview of imported motor insurance

If you are driving a Japanese import, you have to pay attention to some special features.

What insurance do you need for an imported car?

You must have at least your state’s mandatory insurance, but don’t stop there. Since imported cars are typically more expensive, repairs after an accident can potentially cost more. For this reason, you may want to take out collision and fully comprehensive insurance, as well as uninsured / underinsured motorist insurance.

How much car insurance do you need for an imported car?

If you invest in full and collision insurance, your policy is limited to the cash value of the vehicle.

Liability insurance can be even trickier. Every state has a minimum amount of liability insurance that you must purchase, but since medical bills and damages can be quite high, investing in more coverage is generally always a good idea.

When your net worth is high you may be particularly vulnerable to lawsuits from other drivers. For this reason, you want to make sure that in the event of an accident with another driver you have adequate coverage, cover the damage you cause in the event of an accident, and keep you safe from legal entanglements.

How Much Does Japan Import Auto Insurance Cost?

If you were buying an imported Japanese car like a Mazda or Subaru, how much would you likely spend on insurance? The answer depends on several factors.

Average insurance cost in the US

The National Association of Insurance Commissioners (NAIC) published a report on the average cost of insurance in the United States and found that car owners paid an average of $ 879.84 for insurance between 2009 and 2018. Note, however, that the NAIC data only reflects liability insurance, not the costs associated with fully comprehensive and collision insurance. So, if you’re looking to insure your vehicle, this $ 880 amount can be a good base estimate to give you a general idea of ​​what the expected costs are, but you may need to invest a little more for additional insurance products.

Factors That Can Increase Car Insurance Premiums

In addition, you can find various factors that affect your insurance premiums, which can also vary depending on the insurance provider you choose. Factors to consider are:

  • The specifications and value of your imported vehicle
  • Your location
  • Your annual kilometers
  • Your age
  • Your marital status
  • Your ticket
  • The type of car you want to drive

While the above factors can add to your premium costs, the good news is that some insurers may offer discount options.

How to insure a Japanese imported car

The good news is that getting insurance for imported vehicles is no different from insurance for any other type of car.

It also means your Japanese import must meet all common safety and emissions standards, which can be especially difficult if you are buying a gray import car (sometimes called a parallel import). This label means that the vehicle arrived outside of the manufacturer’s typical distribution network in the United States.

These considerations vary by state, but you can usually find a certified testing facility at most major repair shops or your local dealer.

Our recommendations for car insurance for imported cars

Are you ready to find insurance for your Japanese import? Here is a quick snapshot of the top three insurance providers in the industry, as per our industry-wide review. Use the insurance comparison tool below to get free auto insurance quotes in your area.

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GEICO: Best overall result

GEICO topped our list of the best auto insurers, getting a 9.5 out of 10.0 for reputation and a 9.0 for customer service, coverage and cost. GEICO has a reputation for offering low prices and various discounts, and offers various types of insurance to satisfy a wide range of customers.

USAA: Best Military Provider

If you or an immediate family member have served or are actively serving, USAA offers excellent pricing and customer service. We awarded the USAA an overall 8.9, including an 8.5 for coverage and a 9.0 for the insurer’s reputation and commitment to low costs and customer satisfaction.

State Farm: Best Student Discounts

State Farm is ideal for families with multiple cars and learner drivers. We have given State Farm a 9.0 rating for their reputation and dedication to customer service. Plus, with a teen driver driving your Japanese import, you can take advantage of State Farm’s student and safe driver discounts.

FAQ: Japanese import car insurance

Which cars are the most expensive to insure?

According to Motor Trend Magazine, luxury vehicles like BMWs and electric cars like Tesla are usually the most expensive to insure. However, the Nissan GT-R NISMO 2021 made it to the top three on the most expensive list, costing an estimated $ 3,892 per year.

USAToday has compiled a similar list that includes several Japanese import vehicles, including:

– Mitsubishi lancer
– Mitsubishi Mirage
– Nissan Maxima

While we mostly associate Honda and Toyota with Japanese manufacturing, these cars are often built in local factories, which can save money compared to buying a car in the Japanese domestic market.

What are import cars vs. domestic cars?

Domestic cars are all cars that are made in the United States. Import cars are generally cars that are manufactured outside of the United States. However, the term “import” can also refer to foreign companies that have factories in the United States. For example, a car assembled in the US can be considered an import if its manufacturer is based overseas.

Does my insurance cover spare parts?

Some auto insurance policies include parts coverage. However, this coverage is usually limited to certain types of full insurance. Be sure to check with your insurance agent if a company’s policy covers replacement parts.

methodology

The Detroit Bureau collects data from all of the major auto insurance providers to rank the top insurers. Our detailed rating system takes into account market share, coverage, pricing, customer satisfaction and ratings from industry experts. Each insurer receives a weighted score in four categories and a total score of 10.0.

We recommend auto insurance based on these rankings, but we also encourage you to do your own research and compare quotes to find the best coverage.