Kei Vehicle Insurance
Insurance companies that cover kei vehicles in the US. Compare coverage, costs, and get quotes.
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Specialty / Collector Insurers
The easiest and often cheapest option. These companies specialize in collector and imported vehicles.
Hagerty
The largest collector vehicle insurer in the US. Covers imported Japanese vehicles including kei trucks with agreed-value policies. The go-to recommendation in kei truck communities.
Mileage: Limited use — not intended as a daily driver
Requires the kei truck not be your primary vehicle. Best rates for garaged trucks with limited annual mileage.
Grundy Insurance
Major collector vehicle insurer with flexible policies. No mileage restrictions on many plans, and covers modified vehicles. Agreed-value coverage standard.
More flexible than Hagerty on mileage. Good option if you plan to drive your kei truck regularly.
American Collectors Insurance
Covers collector vehicles 15+ years old with competitive rates. Flexible usage requirements and agreed-value policies.
Good middle ground between Hagerty and standard insurers. Covers vehicles 15+ years old.
Standard Auto Insurers
Mainstream carriers that will cover kei vehicles — experience varies by agent. Call multiple offices if the first says no.
State Farm
The largest US auto insurer. Many agents will write policies on imported kei trucks, though experience varies by office. Worth calling multiple agents.
Agent-dependent. If one agent says no, try another office. Some agents are very experienced with imports.
Progressive
Can usually find imported vehicles in their system using the Japanese VIN/chassis number. Online quoting may not work — call for kei trucks.
The online system may not recognize the VIN — call directly and speak with an agent who can manual-enter the vehicle.
Farmers Insurance
Varies by agent and state, but many Farmers agents have written kei truck policies. Local agents tend to be more flexible than the national hotline.
Ask for a local agent who handles specialty vehicles or imports.
USAA
Military members and families. USAA typically covers imported vehicles without issue. Excellent customer service and competitive rates.
Membership required (military service members and families). One of the easiest standard insurers for kei trucks.
Commercial / Farm Insurers
For kei vehicles used on farms, ranches, or in commercial settings.
Farm Bureau
State Farm Bureau offices often insure kei trucks as farm equipment or utility vehicles. Ideal for agricultural use.
Best for farm/ranch use. Coverage may be limited to property and agricultural roads, not full on-road use. Check with your state's Farm Bureau.
Tips for Getting Insured
- Have your VIN ready. Japanese chassis numbers look different (e.g., DD51T-123456). Agents may need to enter it manually.
- Know your usage. Daily driver, weekend, farm-only, or off-road. This dramatically affects pricing.
- Get multiple quotes. Rates vary wildly between companies for imported vehicles.
- Try collector policies first. They're often cheaper than standard auto policies for kei vehicles.
- Agent matters more than company. If one agent refuses, try another office of the same company.
For a detailed walkthrough, read our complete insurance guide.