How to Buy Insurance for JDM Cars in Canada
Owning a unique JDM car in Canada is like owning a piece of automotive art. It’s thrilling, it’s unique, and yes, it might even make your neighbour's a little jealous. But as exciting as it is to drive a right-hand drive (RHD) Subaru Forester or an immaculate Toyota Crown, there’s one question that can make any prospective owner hesitate: How do I insure this thing?
Don’t worry, we’ve got you covered—literally. While insuring a JDM car in Canada may take a little extra effort, it’s entirely possible with the right approach, a bit of patience, and some insider tips. Here’s everything you need to know about buying insurance for your JDM car in Canada.

Why Insurance for JDM Cars Can Be Tricky
Let’s get this out of the way: insuring a JDM car is not impossible, but it’s not as straightforward as insuring your average family sedan. Why? It comes down to a few unique factors:
Right-Hand Drive (RHD): Some insurers mistakenly think RHD cars are less safe to drive in Canada. Spoiler alert—they’re not, but we’ll get to that later.
Modifications: From turbochargers to custom body kits, modifications can complicate coverage, especially if they aren’t disclosed.
Rarity: Some insurers aren’t familiar with certain JDM models, which can make determining their value a bit of a head-scratcher.
That said, plenty of insurers do understand and appreciate JDM cars. You just have to know where to look—and we’re here to help.
Steps to Get Insurance for a JDM Car in Canada
1. Be Transparent
First and foremost, honesty is the best policy (pun intended). When applying for insurance, be upfront about everything:
Is your car RHD? Say so.
Does it have aftermarket parts? Disclose them.
Do you want full coverage? Specify it.
The more your insurer knows about your car, the easier it is to get the right coverage. Plus, failing to disclose modifications or unique features could void your policy if you ever need to make a claim—yikes!
2. Research Specialty Insurers
Not all insurers are created equal, and not all of them will understand the value of your beloved RHD gem. Look for companies that specialize in classic, collector, or imported cars. These insurers are more likely to offer competitive rates and understand your vehicle’s nuances.
Need a recommendation? Give us a shout—we’d be happy to point you in the right direction.
3. Get an Appraisal
A professional appraisal can work wonders. It gives your insurer a clear idea of your car’s value, especially if it’s heavily modified or a rare model. Plus, it ensures that if something does happen to your car, you’ll be compensated fairly.
4. Compare Quotes
Don’t settle for the first quote you get. Shop around and compare policies to find the best combination of coverage and cost. Some general insurers might surprise you with competitive rates, so don’t discount them entirely.
Types of Coverage to Consider
When insuring a JDM car, you’ll want to think carefully about the type of coverage you need:
Liability Coverage: This is the bare minimum required by law and covers damages you may cause to others.
Comprehensive and Collision Coverage: Protects against theft, vandalism, and damage to your car—whether it’s your fault or not.
Agreed Value Policy: Perfect for rare or highly modified cars. This ensures you’re covered for the full value of your car, not just its depreciated worth.
Modification Coverage: Optional, but essential if you’ve invested in aftermarket parts or customizations.
Tips for Lowering Insurance Costs for JDM Cars
Let’s be honest—JDM car insurance can sometimes be pricey. But there are ways to keep costs manageable:
Bundle Your Policies: Combine your car insurance with home or other policies for discounts.
Install Safety Features: Anti-theft devices and GPS trackers can lower premiums.
Limit Your Mileage: If your JDM car isn’t your daily driver, a low-mileage policy can save you money.
Take a Defensive Driving Course: Prove to insurers that you’re a responsible driver, even in a turbocharged RHD beast.

Addressing Common Concerns About JDM Insurance
Let’s bust some myths:
“RHD Vehicles Are Unsafe”: Nope! With proper adjustments, RHD cars are just as safe as their LHD counterparts. It’s all about driver awareness and experience.
“JDM Insurance Is Too Expensive”: Not necessarily. By researching the right providers and policies, you can find competitive rates.
“Modified Cars Are Hard to Insure”: Only if you don’t disclose the modifications. Be upfront, and you’ll find the right coverage.
Why Choose JDM Rush Imports for Support
At JDM Rush Imports, we don’t just help you import your dream car—we’re here to support you every step of the way. Whether you need recommendations for JDM-friendly insurers, assistance with appraisals, or advice on modifications, we’ve got your back.
Our mission is to make your JDM ownership experience as smooth and enjoyable as possible. Let us handle the tricky stuff, so you can focus on the fun part—driving your dream car.
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