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Japan Earthquake Insurance Premium Calculator
Enter your fire insurance amounts, prefecture, structure and discount to estimate earthquake insurance premiums from the official base rates, for one year or long-term policies. A table of rates by prefecture is included.
Results on this site are estimates built from Japan's Hazard Map Portal data and published insurance base rates. Disasters can exceed the assumptions. Confirm evacuation and insurance decisions with your municipality's hazard map, your insurer or agent, and professionals.
Base premiums by prefecture (per ¥10 million per year)
| Prefecture | Class I | Class Ro |
|---|---|---|
| Hokkaido | 7,300 | 11,200 |
| Aomori | 7,300 | 11,200 |
| Iwate | 7,300 | 11,200 |
| Miyagi | 11,600 | 19,500 |
| Akita | 7,300 | 11,200 |
| Yamagata | 7,300 | 11,200 |
| Fukushima | 11,600 | 19,500 |
| Ibaraki | 23,000 | 41,100 |
| Tochigi | 7,300 | 11,200 |
| Gunma | 7,300 | 11,200 |
| Saitama | 26,500 | 41,100 |
| Chiba | 27,500 | 41,100 |
| Tokyo | 27,500 | 41,100 |
| Kanagawa | 27,500 | 41,100 |
| Niigata | 7,300 | 11,200 |
| Toyama | 7,300 | 11,200 |
| Ishikawa | 7,300 | 11,200 |
| Fukui | 7,300 | 11,200 |
| Yamanashi | 11,600 | 19,500 |
| Nagano | 7,300 | 11,200 |
| Gifu | 7,300 | 11,200 |
| Shizuoka | 27,500 | 41,100 |
| Aichi | 11,600 | 19,500 |
| Mie | 11,600 | 19,500 |
| Shiga | 7,300 | 11,200 |
| Kyoto | 7,300 | 11,200 |
| Osaka | 11,600 | 19,500 |
| Hyogo | 7,300 | 11,200 |
| Nara | 7,300 | 11,200 |
| Wakayama | 11,600 | 19,500 |
| Tottori | 7,300 | 11,200 |
| Shimane | 7,300 | 11,200 |
| Okayama | 7,300 | 11,200 |
| Hiroshima | 7,300 | 11,200 |
| Yamaguchi | 7,300 | 11,200 |
| Tokushima | 23,000 | 41,100 |
| Kagawa | 11,600 | 19,500 |
| Ehime | 11,600 | 19,500 |
| Kochi | 23,000 | 41,100 |
| Fukuoka | 7,300 | 11,200 |
| Saga | 7,300 | 11,200 |
| Nagasaki | 7,300 | 11,200 |
| Kumamoto | 7,300 | 11,200 |
| Oita | 7,300 | 11,200 |
| Miyazaki | 11,600 | 19,500 |
| Kagoshima | 7,300 | 11,200 |
| Okinawa | 11,600 | 19,500 |
Premium in yen per ¥10 million of cover per year, before discounts. For policies starting on or after October 1, 2022.
Discounts and long-term policies
| Building year 10% (built June 1981 or later) |
| Seismic diagnosis 10% |
| Seismic grade 1: 10% |
| Seismic grade 2: 30% |
| Seismic grade 3: 50% |
| Base-isolated 50% |
| Long-term factors (paid at once): 2 years 1.9, 3 years 2.85, 4 years 3.75, 5 years 4.7 (multiplied by the annual premium) |
FAQ
Do premiums differ by insurer?
Earthquake insurance is run jointly by the government and private insurers, and insurers generally use the GIROJ base rates, so premiums are almost the same for the same conditions.
How much cover can I buy?
30–50% of the fire insurance amount, up to ¥50 million for the building and ¥10 million for contents. It must be added to a fire insurance policy.
Can discounts be combined?
No. Only one of the base-isolation, seismic grade, seismic diagnosis or building-year discounts applies, and proof is required.
What are Class I and Class Ro?
Class I is mainly steel or concrete buildings; Class Ro is mainly wooden. Wooden buildings certified as fire-resistant or quasi-fire-resistant count as Class I and pay less.
Sources: Ministry of Finance earthquake insurance base premiums and GIROJ earthquake insurance base rates (filed June 2021, for policies starting on or after October 1, 2022, including discounts and long-term factors) (checked 2026-10-31).