Top Car Insurance Options in Japan

When it comes to driving in Japan, having reliable car insurance is essential. With a plethora of options available, it can be challenging to navigate through the various policies to find the best one for your needs. In this article, we’ll explore some of the top car insurance options in Japan to help you make an informed decision.

1. Tokio Marine & Nichido Fire Insurance Co., Ltd.

As one of Japan’s leading insurance providers, Tokio Marine offers comprehensive coverage for both Japanese residents and expatriates. Their car insurance policies include benefits such as third-party liability coverage, collision damage coverage, and theft protection. They also offer optional add-ons like windshield coverage and personal accident insurance.

2. Sompo Japan Insurance Inc.

Sompo Japan is another major player in the Japanese insurance market, known for its reliable coverage and excellent customer service. Their car insurance policies come with a range of benefits, including coverage for damage caused by natural disasters, vandalism, and uninsured motorists. Customers can also opt for additional coverage for personal belongings inside the car.

Sompo Japan Insurance

3. Mitsui Sumitomo Insurance Co., Ltd.

Mitsui Sumitomo Insurance is renowned for its competitive rates and customizable insurance plans. They offer standard coverage options such as liability insurance, comprehensive coverage, and optional extras like roadside assistance and rental car reimbursement. Their customer-centric approach and fast claims processing make them a popular choice among drivers in Japan.

4. Aioi Nissay Dowa Insurance Co., Ltd.

Aioi Nissay Dowa Insurance, part of the MS&AD Insurance Group, provides a range of car insurance options tailored to suit different customer needs. Their policies include coverage for personal injury, property damage, and legal expenses. They also offer discounts for safe drivers and loyalty rewards for long-term policyholders.

5. Nissan Car Insurance

For Nissan car owners, Nissan Motor Insurance Corporation offers specialized insurance plans designed specifically for Nissan vehicles. These plans provide comprehensive coverage, including repair and replacement costs for genuine Nissan parts. Customers can also benefit from roadside assistance and towing services in case of emergencies.

6. Sony Assurance Inc.

Sony Assurance is known for its innovative insurance solutions and user-friendly online services. Their car insurance policies feature easy application processes, 24/7 customer support, and quick claims processing. Customers can customize their coverage options and access policy information conveniently through their website or mobile app.

7. Toyota Insurance Management Solutions

Toyota Insurance Management Solutions offers insurance plans tailored for Toyota vehicle owners. Their policies include coverage for accident repairs, personal injury protection, and roadside assistance. Customers can also take advantage of special discounts and incentives through Toyota’s loyalty programs.

8. Japan Post Insurance Co., Ltd.

As a trusted name in Japan’s insurance industry, Japan Post Insurance provides reliable car insurance coverage with flexible payment options. Their policies include benefits such as no-claim discounts, coverage for rental cars, and emergency assistance services. Customers can manage their policies easily through Japan Post’s online portal or local branches.

9. AXA Direct Japan

AXA Direct Japan offers comprehensive car insurance plans with transparent pricing and customizable options. Their policies cover a wide range of risks, including accidents, theft, and natural disasters. Customers can also access AXA’s network of repair shops for hassle-free claims processing and quality repairs.

Sure, here are some FAQs related to car insurance options in Japan:

1. What types of car insurance are available in Japan?

In Japan, the main types of car insurance include:

  • Compulsory Insurance (Jibaiseki Hoken): This is mandatory for all vehicle owners and covers liability for bodily injury or death caused to third parties.
  • Voluntary Insurance (Jidoshahoken): This includes comprehensive coverage for damage to your own vehicle, as well as additional options like theft protection, personal injury coverage, and roadside assistance.

2. How can I find the best car insurance option for my needs in Japan?

To find the best car insurance option in Japan, consider the following factors:

  • Coverage: Evaluate the coverage options offered by different insurers, including liability coverage, collision coverage, and additional benefits like roadside assistance.
  • Cost: Compare quotes from multiple insurers to find a policy that fits your budget while providing adequate coverage.
  • Reputation: Research customer reviews and ratings to assess the reliability and customer service of each insurer.
  • Specialized Plans: If you own a specific car brand like Nissan or Toyota, consider specialized insurance plans offered by manufacturers or affiliated insurers.

3. Are there any discounts or incentives available for car insurance in Japan?

Yes, many insurers in Japan offer discounts and incentives to policyholders, including:

  • No-Claim Discounts: Discounts for policyholders who maintain a claims-free record over a certain period.
  • Safe Driver Discounts: Discounts for drivers with a clean driving history and no traffic violations.
  • Loyalty Rewards: Incentives for long-term policyholders, such as reduced premiums or additional coverage benefits.
  • Bundle Discounts: Discounts for bundling multiple insurance policies with the same insurer, such as car insurance and home insurance.

4. Can I purchase car insurance online in Japan?

Yes, most insurance companies in Japan offer online platforms or mobile apps for purchasing car insurance, managing policies, and filing claims. Online insurance platforms provide convenience, transparency, and easy access to policy information and services.

car insurance online in Japan

5. What should I do in case of an accident or claim with my car insurance in Japan?

If you’re involved in an accident or need to file a claim with your car insurance in Japan, follow these steps:

  • Notify your insurance company immediately and provide details of the incident, including the location, parties involved, and any injuries or damages.
  • Follow any specific instructions provided by your insurer for filing a claim, such as submitting photos, police reports, or medical documents.
  • Cooperate with the insurance company’s claims adjusters and provide accurate information to expedite the claims process.
  • Keep records of all communication, documents, and expenses related to the accident or claim for reference and reimbursement.


Choosing the right car insurance in Japan requires careful consideration of your driving habits, budget, and coverage needs. Whether you prefer a major insurance provider like Tokio Marine or a specialized plan from Nissan or Toyota, there are plenty of options available to protect your vehicle and finances. Evaluate each insurer’s offerings, compare quotes, and read customer reviews to make an informed decision that suits your requirements.

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