All About Imported Car Insurance

To insure an exotic imported car, consider purchasing an agreed value car insurance policy or classic car insurance.
Written by Hillary Kobayashi
Edited by Amy Bobinger
The best way to insure an imported car is with an agreed value policy, which specifies an amount your
car insurance
company has agreed to cover the vehicle for.

Agreed value car insurance for your imported car

Agreed value car insurance
is a type of specialty insurance that will provide all the coverage you need for your imported car, whether it’s European, British, Japanese, or Italian. 
An agreed value insurance policy will involve you and your insurer agreeing on a total-loss payout amount that is based on the value of your imported car. This differs from a standard insurance policy, which pays out for a vehicle’s
actual cash value (ACV)
For this type of imported car insurance policy, your insurance company will need to appraise your imported vehicle and you will need to submit documentation that provides proof of your car’s value. 
After you and your car insurance company agree on an amount, the value of the car is set. For example, if you and your car insurance company agree on an amount of $60,000 for your
Skyline R32 GT-R, and it is totaled in an accident, you will receive a $60,000 payout, minus your

Classic car insurance for your imported car

Depending on the age of your imported vehicle, you may also qualify for
classic car coverage
. Classic car insurance covers classic cars, antique cars, high-performance cars, collectible cars, imported cars, and modified cars.
At around $400 to $1,000 a year, classic car coverage is pretty affordable. It also typically provides coverage up to an agreed value. 
Your imported
will need to fit a specific set of eligibility requirements to qualify for classic car insurance, though. Whether or not you qualify will depend on your provider, but generally speaking, a car like an Aston Martin will likely be covered if it’s more than 25 years old and if you have an alternative vehicle to use as a daily driver.

The best car insurance companies for insuring imported cars

Most insurance providers offer imported car insurance through subsidiaries or partnerships with companies that specialize in imports and classic cars. For example:
    uses American Modern Insurance
  • Progressive
    uses Hagerty Auto Insurance
  • USAA
    uses American Collectors Insurance
If you need imported car insurance, give
a call at 1-833-445-3779. Our knowledgeable team of agents is available 7 days a week from 8am - 8:30pm ET.
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It’s perfectly legal to drive a left-hand drive car in the US—just make sure to drive on the right side of the road!

Does imported car insurance cover JDM cars?

You can purchase an agreed value car insurance policy for Japanese cars. 

Meet our experts

Hillary Kobayashi
Hillary Kobayashi is an insurance writer and editor specializing in insurance and finance topics. Hillary’s mission is to use her knowledge and love of education to help car owners better understand how they can save time and money on car ownership. The articles Hillary has published for Jerry span topics from state-specific bill of sale requirements to SR-22 insurance information.
Prior to joining Jerry, Hillary spent over ten years in education at Pacific University and the University of Oregon.
Amy Bobinger
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Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.

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