Car Insurance in Japan as a Foreigner — Complete Guide (2026)
Car insurance in Japan is mandatory — and the system works differently than in most countries. Without the right coverage, a single accident can be financially devastating. Here’s everything you need to know before you get behind the wheel. Japan’s Two-Layer Car Insurance System Layer 1: Compulsory Automobile Liability Insurance (自動車損害賠償責任保険 / 自賠責) This is mandatory — you cannot legally drive in Japan without it. Every registered vehicle must have 自賠責 (Jibaiseki) insurance. ...