American car insurance

Looking to insure an American car? We can help.

Below you'll find everything you need to know, including whether it's possible to insure it here in the UK. Keep reading!

Can I insure an American car in the UK?

Getting car insurance for American cars in the UK can be a bit tricky, but it's possible.

A lot of insurers don't like covering cars made for other markets. Plus, American cars are sometimes seen as a bit risky for UK roads.

That said, there's plenty of car insurance providers who specialise in insuring imported vehicles, so you've got options. Just a head's up, though—your car might need to pass the Individual Vehicle Approval scheme to make sure it's safe to drive here.

Does it cost more to insure an American car?

An American car might cost you more to insure. It depends on the insurer and what policy you get.

To give you an idea of what to expect, the average cost of car insurance is £834*. But, the average cost of car insurance for a US import could be more than this.

The quickest way to discover how much a policy might cost for you is to get a quote. It's quick, easy and free.

*Confused.com data Q4 2024.

Can I get agreed value insurance for my American car?

If you've put a lot of time and money into restoring or modifying your car, it might be worth more than the market value for a car of the same make and model. If this sounds like you, agreed valuation could be worth looking into. 

Here, you and your car insurance provider agree on your car's value. That way, if your car is stolen or written off, you'll get the agreed amount, which could be higher than its market value.

Just remember—not all insurers offer this kind of cover. So, if it's something you need, make sure to double-check with your provider before purchasing the policy.

What if my American car is a classic? Can I still insure it?

Yes, you certainly can.

Covering your car with tailored classic car insurance might be a great option for you to think about. In fact, you might be able to get a classic car insurance policy at a better price than other types.

That's because insurers often see classic cars as well looked after and not regularly used. So, there's less risk to insure them!

Can I still get insurance if my American car is modified?

Yes, you can still get insurance for a modified car. Just make sure you let your insurer know about any changes you've made to it.

Wondering why? Insurers often have a list of modifications they're prepared to cover under standard policies. But others might increase your premium if you've modified your car. So, it's important to be upfront when getting a modified car insurance quote.

I only drive my American car now and again. What’s my best option?

If you don't drive your American car often, temporary car insurance could be a good option. It's a type of fully comprehensive car insurance that can last from a single hour, up to 28 days.

Oh, and good news—it's usually cheaper than purchasing a standard, comprehensive car insurance policy for 12 months.

Just bear in mind that if you're planning to keep your car off the road between temporary policies, you'll need to apply for a Statutory Off-Road Notification (SORN). This lets you legally keep your car uninsured while it's not being driven and avoids any fines.

The easiest way to get one is via GOV.UK.