Best Car Insurance Companies That Accept Imported Cars (2022)

There are many car insurance companies that cover imported cars from big companies like Honda, Toyota, and Nissan. The car insurance companies that don't cover imported cars will typically only decline to cover expensive imported brands like Lamborghini or Bugatti. With the right company, you could find import car insurance for less than a domestic vehicle.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 17, 2022

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The Highlights

  • An Import car insurance can sometimes be more affordable than domestic car insurance
  • Most popular car insurance companies will insure imported car brands like Honda, Toyota, or Nissan
  • Exotic or collector imports might require a specific type of insurance that has other affiliated rules and limitations
  • The import car insurance provider may have concerns about coverage and compensation aspects.

If you’ve recently purchased a foreign car, you might be wondering about the best car insurance companies that cover imported cars. Choosing the right import car insurance plan provider can save you a lot of money.

Shopping for car insurance is important no matter what vehicle you buy. This article will help simplify import car insurance basics and how to get the best type of coverage and import car insurance quotes.

We’ll highlight the best car insurance carriers that cover imported cars shortly. For now, enter your ZIP to get instant insurance premium quotes from top car insurance companies near you.

Which car insurance is best for your import?

Imported cars are covered by most car insurance providers these days. As you may know, many popular vehicle manufacturers produce cars in other countries to save on labor.

The company and auto insurance policy you choose will depend on your imported car’s value and where you live. An affordable imported car, such as a Toyota, can be insured with virtually any of the  American car insurance companies.

Honda CR-V Average Annual Car Insurance Rates by Coverage Level Compared to Similar Vehicles
Vehicle Make and ModelComprehensiveCollisionLiabilityTotal
Audi SQ5$394$774$264$1,542
Chevrolet Equinox$308$532$372$1,370
Ford EcoSport$280$500$372$1,310
Honda CR-V$280$408$316$1,140
Hyundai Tucson$294$470$372$1,294
Mazda CX-5$322$532$372$1,384
Subaru Crosstrek$320$512$332$1,300
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You’ll see above that many imports above have affordable insurance rates than domestic brands like Ford and Chevrolet. The standard rates for car insurance companies that cover imported cars vary just as much as domestic brands, too.

On the other hand, insurance for Japanese imported cars like a rare Nismo might require a special type of import car insurance. GEICO exotic car insurance might be preferred for rare vehicles. GEICO is considered one of the best car insurance companies for paying claims, too.

If you purchase an older imported car, you may even need to consider classic car insurance companies. In short, a classic car insurance company tends to provide insurance with a more subjective value on your vehicle.

Classic car insurance can also have associated driving limits, storage requirements, and other stipulations designed to minimize risk for the insurer.

Hagerty and Grundy are common classic car insurance brands. Quotes from car insurance companies that cover imported cars could be more affordable with these brands in some cases.

According to the Insurance Information Institute, auto insurance rates are climbing rapidly. This is one reason why it’s so important to compare rates from multiple auto insurance providers before you buy from car insurance companies that cover imported cars.

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What is import car insurance?

Import car insurance is car insurance coverage on a vehicle that was manufactured outside the United States. Nowadays, these vehicles are extremely common and can often be insured by the same auto insurance companies as domestic market vehicles.

Most imports are common names such as:

  • BMW
  • Audi
  • Tesla
  • Mercedes-Benz
  • Lexus
  • Volvo

These brands are readily available in the United States despite being considered imports. There are more expensive imports like Lamborghini, Bugatti, and others that might require a special insurance requirement.

What are some recommendations for import car insurance?

If you’re searching for import car insurance, you’ll want to consider how much coverage you need. What does import car insurance cover? Import car insurance is very similar to traditional car insurance.

For rare or exotic cars, you may have to come to an agreement with your insurer on the worth of your vehicle. From there, you’ll need to be sure you have the minimum requirements for car insurance by state.

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If you’re wondering about what to know about insurance on an imported car, it’s that the value and your driving habits will be the key determinants that make up your monthly price and coverage needs.

Car Insurance Companies That Cover Imported Cars: The Bottom Line

Import car insurance can be affordable and easy to find. For rare and exotic cars, you may need a specialty insurer that could have driving restrictions or other stipulations.

There are a plentiful number of car insurance companies that cover imported cars. Enter your ZIP to get instant quotes from top car insurance companies near you.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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