Top 10 Best Car Insurance Companies in Dubai & UAE

In a market filled with options, identifying the best car insurance in the UAE can seem challenging. From basic third-party liability to full comprehensive coverage, insurers offer a wide range of plans to suit different needs.

Selecting the best motor insurance in Dubai means finding a balance between cost, coverage, and convenience. Top car insurance companies in the UAE provide tailored plans, fast claims processing, and added benefits such as roadside assistance and access to network garages. To make an informed choice, it's important to compare offerings, check customer reviews, and consider your specific driving habits and vehicle type. The goal is to choose a policy that offers maximum protection with minimal hassle.

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

Top 10 Car Insurance Companies in Dubai, UAE - 2025

Finding the right insurance provider is crucial for covering your vehicle and ensuring peace of mind on the road. However, as mentioned earlier, with so many insurers in the market, selecting a trusted company can be overwhelming. To help you out, here is a list of the top 10 car insurance companies in UAE and Dubai that highlights providers known for reliable coverage, efficient claims handling, and excellent customer service.

List of Best Car Insurance Companies in UAE
1. GIG Gulf Insurance	2. Sukoon(Previously Oman) Car Insurance
3. Liva(Previously RSA) Car Insurance	4. Orient Car Insurance
5. Al Sagr Car Insurance	6. Union Car Insurance
7. Dubai National Car Insurance Company (DNIC)	8. Al Fujairah National Car Insurance Company (AFNIC)
9. Salama Takaful Car Insurance	10. Tokio Marine Car Insurance

GIG Gulf Car Insurance

With over 70 years of presence in the Middle East and North Africa, GIG Gulf is one of the best car insurance companies in the UAE. It offers some of the best motor insurance solutions in the region, including both comprehensive and third-party insurance coverage.Its car policies, especially comprehensive plans, are vouched for their 24/7 roadside assistance, car repair services, emergency medical expenses, and more.

The key benefits include —

Loss or damage to the insured vehicle
Third-party liabilities
Personal injury cover
Loss of personal belongings
Personal accident benefits for the driver and passengers
Oman cover

Top Motor Insurance Plans from GIG Gulf in UAE

Plans	Price	Premium
GiG Comprehensive Agency	AED 6,999	Check Premium
GIG Gulf Third Party Only	AED 882	Check Premium

Sukoon(Previously Oman) Car Insurance

Next on the list of the providers associated with the best car insurance in Dubai, UAE, is Sukoon Insurance, which is headquartered in Dubai and was established in 1975. Remarkably, it has insured more than 200,000 drivers in the last 50 years and has dedicated insurance solutions for luxury vehicles.

It has a diverse insurance portfolio that offers plans including comprehensive, privilege motor insurance, and third-party car insurance. You can also explore customisable plans with benefits like cover for third-party liability, damage to the insured vehicle, emergency medical expenses, and optional covers like roadside assistance.

Here are some other key benefits —

Off-road cover (only for SUVs with off-road capability)
Geographical expansion of coverage
Valet parking theft
Loss of personal belongings
Windscreen damage

Top Car Insurance Plans from Sukoon Insurance

Plans	Price	Premium
Comprehensive (Gold Garage)	Price on Request	Check Premium
Sukoon Third Party Only	AED 872	Check Premium

Liva(Previously RSA) Car Insurance

Liva Insurance (previously RSA Insurance) is one of the top 10 car insurance companies in UAE and Dubai. With more than 80 years of presence in the GCC region, Liva is known for its customisable plans that offer comprehensive coverage. You can explore the highest level coverage with its motor insurance products like Motor Executive, Motor Value, and Motor Smart. The plans, like Motor Executive, offer benefits such as vehicle inspection, garage or valet parking, loss of personal possessions, and more.

The key benefits include —

Ambulance cost
Emergency repairs
Lock replacement
Natural perils cover
Breakdown recovery
Third-party liability cover

Top Liva Vehicle Insurance Plans in Dubai, UAE

Plans	Price	Premium/th>
Liva Comprehensive Insurance	NA	Check Premium
Liva Third Party Only	NA	Check Premium

Orient Car Insurance

Established in 1982, Orient Insurance Company is one of the best car insurance companies in Dubai, UAE. With a paid-up capital of AED 500 million, it carries an exceptional A+ credit rating. Its auto insurance solutions include comprehensive and third-party liability. Comprehensive plans, as the name suggests, offer more benefits than third-party ones like roadside assistance, Oman cover, protection against natural perils, and more.

Here are some other key benefits of the best car insurance in UAE of Orient Insurance —

Cover for legal liability to immediate family members
Off-road cover
Loss of personal belongings
Emergency medical expenses
Coverage against strikes and riots

Best Car Insurance Policies from Orient Insurance in Dubai, UAE

Plans	Price	Premium
Orient Comprehensive Insurance (Silver Garage)	AED 2,985	Check Premium
Orient Third Party Only	NA	Check Premium

Al Sagr Car Insurance

Headquartered in Dubai, Al Sagr National Insurance Co. was established in 1979 as a multi-line insurance company. As one of the best car insurance companies in UAE, the provider offers comprehensive motor insurance solutions with benefits like loss and damage to third-party property and damage incurred by the insured vehicle.

The USP of the insurance solutions often incorporate bodily damages, agency repairs, repairs outside the agency, personal accident cover, and comprehensive roadside assistance with features like —

Accident towing service
Battery boost service
Lockout service
Mechanical breakdown towing service
Flat tyre service
On-road emergency fuel delivery service

Best Motor Insurance Plans from Al Sagr in UAE

Plans	Price	Premium
Al Sagr Comprehensive Car Insurance	NA	Check Premium
Al Sagr Third Party Only	NA	Check Premium

Union Car Insurance

Established in 1998, Union Insurance is headquartered in Dubai and is among the top 10 car insurance companies in UAE. With this insurer, you get exceptional customer service, an experienced technical team, and seamless claim process.

The car coverage policies of this provider are —

Standard Comprehensive
Superior Comprehensive
Third Party

A key benefit of choosing a car plan from this company is that you can get excellent coverage at affordable rates. Furthermore, each plan is open to customisation as per your requirement and is backed by impeccable customer service.

Explore the plans for benefits like —

Third-party liability
Fire and theft
Ambulance service
Taxi fare
Personal injury cover
Roadside assistance

Top Union Insurance Vehicle Insurance Policies in UAE

Plans	Price	Premium
Union Comprehensive Car Insurance	NA	Check Premium
Union Third Party Only	NA	Check Premium

Dubai National Car Insurance Company (DNIC)

Another Dubai-based insurer in the list of the best car insurance companies in UAE is Dubai National Insurance and Reinsurance P.S.C. Established in 1991, it is the first insurance company to be listed on the Dubai Financial Market. With DNIC, you get the best car insurance in Dubai and Abu Dhabi that covers your car in case of financial losses due to accidents, third-party property damages, or bodily injuries. You can explore this provider for a third-party coverage plan and comprehensive coverage.

The benefits include —

Roadside assistance
Loss of personal belongings
Hire car benefits
Off-road cover
Third-party liabilities cover
Natural perils cover
Personal accident cover for the driver and passengers

Best DNI Car Insurance Plans in UAE

Plans	Price	Premium
DNI Comprehensive Car Insurance (Premium Garage)	AED 2,268	Check Premium
DNI Third Party Only	AED 908	Check Premium

Al Fujairah National Car Insurance Company (AFNIC)

Headquartered in Fujairah, Al Fujairah National Insurance Company was established in 1976. As one of the best car insurance companies in UAE, AFNIC’s motor products ensure that your vehicle and you remain financially secure thanks to their wholesome benefits. With AFNIC, you get two types of vehicle insurance plans — comprehensive and third-party. Under the comprehensive motor insurance plan, you have the flexibility to choose the repair type between agency repair and non-agency repair.

The major benefits include —

Cover for damage to the insured vehicle
Malicious act of a third party
Theft and fire
Third-party liability

Top Motor Insurance Plans in UAE from Al Fujairah National Insurance Company

Plans	Price	Premium
AFNIC Comprehensive Car Insurance	NA	Check Premium
AFNIC Third Party Only	NA	Check Premium

Salama Takaful Car Insurance

With over 45 years of presence in the UAE insurance market, Salama Takaful is a Sharia-compliant insurance company that continues to provide financial protection to lives with its curated insurance products, particularly the best car insurance in UAE. Salama’s auto insurance solutions are designed to financially cover third-party liabilities, damage or loss of the insured vehicles, and personal accident cover to the driver and passengers in the car. With a comprehensive plan from Salama, you can usually get an array of services and benefits, such as —

Quick and quality repairs at an A-grade garage network
Free off-road assistance
Car registration service
Free vehicle recovery service
Free battery boost service

Top Salama Takaful Auto Insurance Plans in Dubai, UAE

Plans	Price	Premium
Salama Takaful Comprehensive Car Insurance	NA	Check Premium
Salama Takaful Third Party Only	NA	Check Premium

Tokio Marine Car Insurance

Tokio Marine Insurance, a trusted Japanese insurance provider, is one of the top 10 car insurance companies in UAE. Active in the region since 1976, it is known for its smooth claim process and responsive customer service. Tokio Marine, having strong global ratings — A+ from S&P, A++ from A.M. Best, and Aa3 from Moody’s — offers reliable motor insurance in the UAE under two main options: Tokio Must (comprehensive coverage) and Third Party (basic legal requirement). Whether you need full coverage or just third-party liability cover, you can find quality insurance solutions backed by decades of experience and strong financial ratings with Tokio Marine.

Here's what you get when you choose the best vehicle insurance in UAE from Tokio Marine —

Access to premium network garages for repairs
24/7 roadside assistance
Self-authorisation repairs
Quick claim service
Safe driver discounts

Best Tokio Marine Car Insurance Plans in UAE

Plans	Price	Premium
Tokio Marine Comprehensive Car Insurance	NA	Check Premium
Tokio Marine Third Party Only	NA	Check Premium

*Note — The price and the plans can vary depending on your car's age, brand and model. The premiums and plans here are for the Nissan Pathfinder 2022.

How to Select the Best Car Insurance in UAE?

Finding the right insurance coverage is quite easy when you know what to look for.Here are some tips to help you select the best motor insurance in Dubai, UAE —

Compare Benefits Before Comparing Prices — When buying your first car policy or switching plans, you'll find many options to choose from. Since not all plans suit every driver or vehicle, it's best to choose a provider that offers various coverage options. Your ideal plan will depend on your needs — make sure to keep them in mind when comparing your insurance options.
Check out Network Garages — Another thing to look into when looking for the best car insurance in UAE is the network garages. These garages simplify the claim process by offering cashless repairs, making them a key factor when choosing the right plan.A wide and reliable network ensures faster service, quality repairs, and added convenience for policyholders.
Claim Process — One of the most important parts of getting the best car insurance in UAE is how easily and quickly claims are handled. Look for insurers that are known for simple claim processes, fast resolution times, and clear communication.
Third-Party Vs Comprehensive — Before choosing a plan, assess your needs based on your car's age, value, and usage. New or expensive cars may need comprehensive coverage, while older ones might only need third-party liability. This way, you can avoid overpaying for extras that you don’t need.

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Last Updated At - 9 May 2025

FAQs About Best Car Insurance UAE

There is no specific insurance considered as best. It entirely depends on your financial requirements and affordability. Most insurers offer basic coverage for your car. However, here are some of our top insurers we are partnered with: