Resale Value in the USA
According to Kelley Blue Book, Japanese vehicles like the Toyota Tacoma and Honda Accord retain up to 60% of their value after five years. High resale value means insurers view them as lower-risk assets, which can influence total loss payouts.
Safety & Technology Features
Japanese brands are leaders in advanced safety. Standard ADAS (Advanced Driver Assistance Systems), multiple airbags, and strong crash-test ratings from the IIHS and NHTSA help reduce insurance claims. Some insurers even offer discounts for cars with automatic emergency braking or lane-keeping assist.
Comparison Table: Best Insurance Options for Japanese Cars (2025)
| Insurance Provider | Strengths | Avg. Annual Premium (Honda Civic) | Avg. Annual Premium (Toyota RAV4) | Discounts for Safety Features |
|---|---|---|---|---|
| GEICO | Low-cost policies, nationwide availability | $1,420 | $1,510 | Yes |
| State Farm | Best for families, wide agent network | $1,480 | $1,570 | Yes |
| Progressive | Great for high-mileage drivers | $1,530 | $1,610 | Yes |
| USAA (Military only) | Cheapest for veterans & families | $1,200 | $1,300 | Yes |
| Allstate | Customizable coverage, strong claims service | $1,550 | $1,640 | Yes |
(Premiums are national averages; individual quotes vary by location, driving record, and credit score.)
Pros and Cons of GEICO
Pros:
- Some of the lowest rates nationwide.
- Great online tools and mobile app.
- Discounts for Toyota Safety Sense & Honda Sensing.
Cons:
- Limited local agent support compared to State Farm.
- Rates can rise after a single accident.
Pros and Cons of State Farm
Pros:
- Strong agent network for in-person support.
- Good multi-vehicle and family discounts.
- Reliable claims process.
Cons:
- Slightly higher premiums than GEICO or Progressive.
- Fewer tech-based discounts.
Who Should Choose GEICO vs. State Farm?
- GEICO: Perfect for younger drivers, students, and budget-conscious owners of Japanese cars like the Honda Civic or Toyota Corolla. Online-first experience suits tech-savvy customers.
- State Farm: Better for families or homeowners who want to bundle auto and home insurance. Works well for Toyota RAV4, Honda CR-V, and Subaru Outback owners.
Expert Opinions & Customer Reviews
- JD Power 2024 U.S. Auto Insurance Study: State Farm ranked highest in customer satisfaction among large insurers.
- Consumer Review (Toyota Camry, California): “Switched to GEICO from Allstate—saved $600/year thanks to Toyota’s safety features.”
- Consumer Review (Honda CR-V, New York): “State Farm handled my accident claim quickly. Premiums are a bit higher, but worth the peace of mind.”
Final Verdict: Is Japanese Car Insurance Worth It in 2025?
The answer is yes—Japanese cars tend to get some of the most affordable insurance rates in the U.S. due to their safety, reliability, and resale value. For 2025:
