Are you New Driver Looking for Car Insurance in the UAE?

Getting behind the wheel for the first time in the UAE, no matter the age, is exciting, but insuring your vehicle as a new driver can be costly. New driver insurance premiums are typically higher due to limited experience and higher perceived risk. But don’t worry, there are smart ways to reduce your premiums like comparing quotes and maintaining a clean driving record. You can still find affordable coverage without compromising on protection.

Best Car Insurance in UAE

Some of the best and the cheapest car insurance quotes in Dubai are:

*Above mentioned prices are for Honda City EX 1.5L, 2017 model.

Why is Car Insurance More Expensive for New Drivers?

Car insurance for new license holders typically face higher premiums because —

They have little to no driving history
Statistics show higher accident rates among younger and less experienced drivers
They’re more likely to make mistakes or drive riskier vehicles

But don’t worry, your rates can drop over time with a clean driving record and smart insurance choices.

Types of Car Insurance for New Drivers in the UAE

We have done a quick comparison of the main types of car insurance available for first-time drivers —

Type	What It Covers	Ideal For
Third-Party Liability	Damage to other people’s vehicles or property	Drivers with older/low-value cars
Comprehensive Insurance	Covers third-party damage + your own vehicle	Drivers with new or valuable vehicles

How to Get Cheap Car Insurance for New Drivers

Here’s how you can reduce your new driver car insurance cost —

✅ Choose the Right Coverage

Avoid underinsuring just to save money. If you drive a new or financed car, comprehensive insurance is your safest bet. For older vehicles, third-party cover might be enough.

✅ Select a Cost-Effective Car

Sports cars and luxury models come with higher insurance premiums. Instead, choose —

Cars with good safety features (airbags, anti-lock brakes)
Lower engine capacities
Vehicles with good repair part availability

✅ Drive Smart, Pay Less

Your driving record is key. Avoid traffic fines and accidents, and you’ll build a reputation as a safe driver — this can earn you a No Claim Discount (NCD) over time.

✅ Increase Your Deductible

By choosing a higher deductible, you take on more of the repair costs in case of an accident, but your monthly premium gets significantly lower.

✅ Avoid Car Modifications

Cool spoilers and flashy rims may look great, but insurers often view them as high-risk and charge more.

✅ Add an Experienced Driver

If you are young, including a parent or older sibling as a secondary driver can lower your premium.

✅ Use a Broker

Insurance comparison platforms like Policybazaar.ae help you find affordable car insurance quotes for new drivers in the UAE with minimal effort.

What Impacts New Driver Insurance Premiums?

Factor	How It Affects Premium
Age	Younger = Higher premium
Driving experience	More years = Lower premium
Car type	Luxury = Higher premium
Driving record	Clean = Discount eligible
Location	City = Higher risk & premium
Annual mileage	More driving = Higher cost

Where to Find Car Insurance for New Drivers?

You can compare quotes online through platforms like Policybazaar.ae for expert guidance. They can help you —

Understand policy features
Compare rates
Find hidden discounts

Documents Needed for New Driver Car Insurance

To get a quote, you’ll need —

Emirates ID
Valid UAE driving license
Vehicle registration (Mulkiya)
Previous Insurance Policy
Engine Number
Chassis Number

Why is New Driver Insurance Important in the UAE?

Car insurance is mandatory in the UAE. It protects you financially in case of accidents, damage, injury, or legal liabilities. Factors such as your age, vehicle type, driving history, and even location, can impact your new driver insurance rates.

Depending on the level of coverage, it can help you pay for —

Third-party injuries or property damage
Repairs to your own vehicle
Emergency medical expenses
Theft or fire damage

Whether you're buying the best insurance for new drivers or going for comprehensive coverage, a policy ensures you're legally and financially protected on the road.

Final Thoughts

Car insurance for new drivers in the UAE may start off pricey, but with the right steps like safe driving, good vehicle choices, and smart policy selection, you can reduce your costs without sacrificing coverage. Think of this as your first step toward financial and road safety.

Frequently Asked Questions

Yes. Whether you're a teen or a first-time driver, you’re legally required to have a valid car insurance plan to drive in the UAE. This ensures financial and legal protection in case of accidents or damage.

No. Most new driver insurance or basic policies do not cover engine damage. You’ll need to purchase engine protection add-ons separately if you want coverage for issues like water ingression or mechanical failure.

You’re typically considered a new driver for up to two years after passing your driving test. During this period, insurers view you as higher risk, which is why car insurance for new drivers in Dubai often costs more. Over time, if you maintain a clean record, your premiums may decrease thanks to No Claims Discounts.

Yes, but it takes some planning. While car insurance for young drivers tends to be more expensive, there are several ways to reduce your premiums: