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 Nissan
Skyline R32 GT-R, and it is totaled in an accident, you will receive a $60,000 payout, minus your deductible
. 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 Porsche
or Toyota
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:
GEICO
uses American Modern InsuranceProgressive
uses Hagerty Auto InsuranceUSAA
uses American Collectors Insurance
If you need imported car insurance, give Jerry
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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FAQ
Is it legal to drive a left-hand drive car in the United States?
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.