How to Properly Insure Your Kei Truck or JDM Vehicle
So you’ve finally imported your dream ride—maybe a Suzuki Carry, Mitsubishi Pajero, Mitsubishi Delica, or a Honda Acty. Whether it's a workhorse kei truck or a right-hand-drive JDM classic, one thing’s for sure: it’s not your average vehicle—and standard insurance just won’t cut it.
At Mud Hog Mini Trucks, we specialize in these unique imports, and we want to help you protect your investment the right way.
Why Standard Auto Insurance May Not Be Enough
Most major insurers—like State Farm, Progressive, and USAA—do offer coverage for imported vehicles, often for as little as $20/month. But there’s a catch: their policies are typically based on U.S. “book values.” And guess what? There is no U.S. book value for a 25+ year-old right-hand-drive kei truck or a diesel turbocharged Delica van.
That means if your vehicle is stolen, totaled, or damaged, your payout might not reflect what it's truly worth—or what you've put into it.
The Best Option: Stated Value or Agreed Value Insurance
To make sure you're properly covered, consider a Stated Value or Agreed Value Policy. These insurance types allow you to assign a replacement value to your vehicle based on what it's actually worth in today’s market—not some outdated average.
That means your:
Lifted 4WD Daihatsu Hijet
Pop-top Mitsubishi Delica camper van
Turbo diesel Suzuki Every
Or any customized or stock kei truck
…is insured for what it would actually cost to replace—not just a generic “1995 pickup.”
You’ll also be able to list any upgrades like:
Roof racks or bed-mounted toolboxes
Custom wheels or tires
Camper conversions or off-road mods
Interior upgrades or utility enhancements
FAQs About Insuring Kei Trucks & JDM Vehicles
Q: Can I insure a right-hand-drive vehicle in the U.S.?
A: Yes! Most major insurers offer coverage for RHD imports, though not all offer agreed value policies—so ask specifically for that.
Q: Do I need full coverage on a kei truck?
A: If you drive it regularly or have invested in upgrades, full coverage with stated value protection is the smart choice. Liability-only won’t help if your vehicle is totaled or stolen.
Q: What’s required to get an agreed value policy?
A: Typically: proof of import, a clean title, photos of the vehicle, a list of mods/upgrades, and sometimes an appraisal.
Q: Will insurance cover my modifications?
A: Only if you declare them and use a policy designed for customized vehicles. Standard policies usually won’t.
Delivery & Shipping
At Mud Hog Mini Trucks, we make it easy to get your truck no matter where you are in the U.S. Whether you’re down the road or across the country, we’ll deliver your mini truck safely and on time.
Delivery Rates
$2.25 per mile (calculated from Cabot, AR)
$300 minimum delivery fee
Nationwide delivery available
💡 Example: If you’re 400 miles away, delivery would be about $900.
How long does delivery take?
Delivery times vary based on distance and scheduling, but we always work with you to coordinate the best time for drop-off.
Do I need to do anything before delivery?
Please make sure there’s clear access and enough space for unloading the vehicle at your location.
Ready to Schedule Delivery?
Give us a call or text at 501-350-2200, or visit us at:
12406 Hwy 5, Suite G, Cabot, AR 72023
We’ll give you a quick quote and get your new Mud Hog Mini Truck headed your way!
Final Thoughts from the Mud Hog Team
You didn’t buy a kei truck or a JDM classic to drive something average. Don’t insure it like it is. With a Stated Value or Agreed Value Policy, you get peace of mind knowing your one-of-a-kind vehicle is covered properly—bumper to bumper.
Got questions? We’re always here to help our customers find the right path to protection.
