Imported Japanese cars — especially JDMs — have become a major trend in Australia. Whether it’s a turbocharged Skyline, a fuel-saving Prius hybrid, or a compact Kei car, Aussies love the unique features, reliability, and personality these vehicles bring.
But there’s one thing surprising many new owners: insurance premiums are rising… fast.
Why is this happening? And more importantly — how can you still save money without compromising coverage?
Let’s break it down!
🚗 Why Are Insurance Premiums for JDM Cars Increasing?
1. Limited Parts Availability
One of the biggest reasons insurers increase prices for JDM vehicles is the cost of replacing parts.
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Many components must be imported from Japan.
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Longer wait times mean higher repair costs.
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Rare and older models are even more expensive to source parts for.
Insurers simply pass that cost on to customers.
2. Higher Risk Assessment by Insurers
Some JDM models have performance-focused engines, turbos, or modifications that insurers classify as higher risk.
This includes cars like:
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Nissan Silvias
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Toyota Supras
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Subaru WRXs
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Mazda RX-7s
Even if your car is unmodified, insurers often categorize models in general — raising the overall premium.
3. Right-Hand Drive Imports & Compliance Concerns
Although most JDMs are RHD and compatible with Australian roads, insurers still consider:
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compliance conversions
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structural modifications
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safety tests
If any compliance work wasn’t done by a reputable workshop, premiums may go up.
4. Odometer Uncertainty
Some insurers hesitate because of historical concerns about mileage tampering in imported cars.
Even if your import is fully verified, many companies still add a “risk factor.”
5. Increasing Theft Rates for Popular JDM Models
Cars like the Supra, Skyline, Integra, and Evo are highly targeted by thieves due to:
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demand for parts
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high resale value
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collector interest
Insurance companies react by raising premiums for all similar models.
💡 How You Can Save Money on Insurance — Even With a JDM Car
Here are smart, practical strategies that actually work in Australia:
1. Always Get a Pre-Purchase Inspection Report
Insurers LOVE documented evidence.
A reliable inspection helps you:
✔ Prove the car is in good condition
✔ Confirm modifications
✔ Avoid being placed in a “high-risk” category
This alone can reduce premiums.
2. Choose an Insurer That Specializes in Imports
General insurance companies often overcharge because they don’t understand JDM cars.
Instead, look for:
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Enthusiast insurers
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Import specialists
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Classic car policies
They offer:
✔ Coverage for modifications
✔ Fairer rates
✔ Better claims handling
3. Keep Your Car Stored Safely
Your storage situation affects up to 30% of your premium.
Best options include:
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locked garage
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CCTV parking
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gated residence
The safer the car is, the lower the premium.
4. Limit Annual Kilometres if Possible
If you mainly drive on weekends or use the car occasionally, choose a limited-km policy.
This works especially well for:
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JDM sports cars
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collector cars
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restored imports
5. Install Anti-Theft Devices
Insurers often give discounts if you add:
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immobilizers
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GPS trackers
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steering locks
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dash cams
These reduce theft risk — and premiums.
6. Document Your Car Thoroughly
You should maintain:
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Japanese auction sheet
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Maintenance history translation
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Compliance certificates
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Odometer verification
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Receipts for upgrades or repairs
This protects you from inflated risk ratings.
7. Compare Policies — Don’t Renew Automatically
Premiums can jump every year.
Before renewing:
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compare at least 3–5 insurers
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check online quotes
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negotiate with your current provider
Many drivers save $300–$800 just by comparing.
🔥 Final Thoughts: JDM Insurance Is Rising — But You Can Stay Ahead
Yes, insurance premiums for imported Japanese cars in Australia are going up.
But with the right approach — smart documentation, specialist insurers, theft prevention, and careful policy selection — you can still enjoy your JDM without draining your wallet.
Whether you own a Kei car, a hybrid, or a legendary turbo machine…
you can absolutely keep your insurance affordable with the strategies above.
