Did you know that Toyota, Honda, and Nissan are among the top five most popular car brands in the United States? Millions of Americans drive Japanese vehicles every day, from budget-friendly sedans like the Honda Civic to rugged SUVs like the Toyota 4Runner. But here’s the real question: what are the best car insurance options for Japanese cars in the US in 2025?
Japanese cars are well-known for their reliability, fuel efficiency, and resale value. However, not all insurance companies treat them equally. Factors like repair costs, safety ratings, and theft risk can influence premiums. For example, insuring a Toyota Camry may cost less than insuring a sporty Nissan 370Z because of accident risk and repair expenses.
In this guide, we’ll explore the top insurance providers for Japanese vehicles in America, break down key factors that affect your premiums, and compare the pros and cons of leading companies. Whether you own a Toyota, Honda, Subaru, or Mazda, this article will help you find the best coverage at the right price in 2025.
Quick Overview of Japanese Cars in the US
Japanese automakers have dominated the U.S. car market for decades. Toyota and Honda consistently rank among the top-selling brands, while Subaru, Mazda, and Nissan maintain strong followings.
- Toyota: In 2024, Toyota sold more than 2.3 million vehicles in the U.S., making it the country’s second-best-selling brand.
- Honda: Known for the Civic and Accord, Honda sold over 1.2 million units.
- Subaru: Popular in snowy regions thanks to standard AWD, Subaru sold nearly 650,000 vehicles.
- Mazda & Nissan: Both continue to attract budget-conscious and sporty car buyers.
Insurance companies often offer competitive rates for these brands because of their reputation for safety, reliability, and longevity. According to JD Power, Japanese cars frequently top dependability rankings, lowering claim risks for insurers.
Key Factors to Consider
Reliability & Durability
Japanese cars are among the most reliable in the world. Consumer Reports 2024 ranked Toyota, Lexus, and Honda in the top 10 for long-term dependability. Reliable cars lead to fewer breakdowns and accidents, which can help reduce insurance costs.
Maintenance & Repair Costs
While Japanese cars are affordable to maintain, parts and labor vary. For example, RepairPal estimates average annual maintenance costs:
- Toyota: $441/year
- Honda: $428/year
- Subaru: $617/year
Insurance providers take these costs into account. Vehicles with lower repair expenses often get lower premiums.
