Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 29, 2021

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Key Takeaways

  • Imported cars increase in value over time
  • Imported cars require additional insurance coverage
  • The process for finding imported car insurance is basically the same as for domestic cars

Car insurance companies provide coverage for imported cars from other parts of the world.

The main difference is that imported cars increase in value over time, requiring slightly different coverage which can raise your insurance rates. Knowing about car insurance companies that cover imported cars will help you buy the right insurance policy at the right price.

Before learning about car insurance companies that cover imported cars, enter your ZIP code above to compare free auto insurance quotes in your area.

How can you find quotes from car insurance companies that cover imported cars?

When looking for quotes from car insurance companies that cover imported cars, you’ll find that these providers use the same factors to determine rates as other companies. However, imported car insurance quotes might be higher because the vehicle has a higher value.

Which insurance companies insure imported cars? You can find coverage for imported vehicles from most insurance companies, including GEICO, State Farm, and USAA. 

Each company will usually have different insurance plans for these vehicles. When looking for car insurance quotes, you should ask specifically about import policies and the level of coverage you need. You’ll find plenty of options, but there are some car insurance companies that don’t cover imported cars. Asking specifically about the following types of car insurance for imported cars will help narrow down your choices.

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What coverage is available from car insurance companies that cover imported cars?

There are six standard types of auto insurance for any vehicle. These six types of car insurance are:

  • Liability insurance (BI/PD)
  • Collision
  • Comprehensive
  • Medical payments (MedPay)
  • Personal injury protection (PIP)
  • Uninsured/underinsured motorist (UM/UIM)

Most older cars don’t require collision or comprehensive coverage because the vehicle’s value is lower than the rates. However, imported cars increase in value over time, so this coverage is likely necessary.

In addition to these common types of insurance, imported cars usually require extra insurance. Auto insurance coverages unique to imported vehicles include:

  • Agreed value protection – An agreement with the insurance company on the vehicle’s value if the car is a total loss.
  • Spare parts coverage – Protects from the theft or damage of any hard-to-find replacement parts.
  • Rising value protection – Pays the market value of your car at the time of an accident.

Asking for these additional coverages when you buy auto insurance for imported cars will raise your rates but will also ensure that your vehicle is fully protected.

How are domestic companies different from car insurance companies that cover imported cars?

There are two types of cars that people consider imports. Gray market cars are designed for other countries and shipped to the U.S. by buyers or sellers. These cars usually don’t meet federal regulations and require modifications to be driven on public roads.

Import cars can also be shipped to the U.S. by an authorized retailer, like BMW, Toyota, or Nissan. These cars are designed for the U.S. market and don’t need any modifications for use on public streets. This type of import does not require any special car insurance unless it’s a collectible.

The main difference between imported cars and everyday domestic cars involves the vehicle’s value. Most cars decrease in value as they age, but imported cars are rare in the market and increase in value. The increased value requires more coverage in case of an accident.

While the coverage differs slightly, the factors used to determine rates from car insurance companies that cover imported cars are the same as with domestic vehicles. The Insurance Information Institute provides a list of factors used by auto insurance companies to determine rates, such as age, gender, and driving record.

What You Need to Know About Car Insurance Companies That Cover Imported Cars

Imported car insurance is similar to insurance for other vehicles, except that imported cars increase in value over time. This increased value requires more coverage.

Understanding car insurance companies that cover imported cars will help you get the best coverage.

Now that you know about car insurance companies that cover imported cars, enter your ZIP code below to find free auto insurance rates in your area.