American Car Insurance

Motor insurance is mandatory in the UAE. Every vehicle must have at least third-party coverage to be legally registered. However, many owners prefer comprehensive American car insurance to protect against accidents, theft, fire and other risks. A suitable policy helps manage repair expenses and ensures full compliance with UAE traffic laws.

Popular American Car Brands Available in the UAE

American automotive brands have a strong dealership network in the UAE, with official distributors operating across all emirates. These brands offer everything — from compact sedans and heavy-duty trucks to performance cars and electric vehicles. Many of these models are specifically configured for GCC specifications to suit the region’s climate and driving conditions. Here is a list of major American cars officially available in the UAE — 

American Brand	Models Officially Listed in the UAE	Common Variants / Trims Offered
Ford	Territory, Everest, Explorer, Bronco, Bronco Raptor, Ranger, Ranger Raptor, F-150, Taurus, Mustang	Base, Trend, Limited, Wildtrak, Raptor, Platinum, GT (variants depend on model and year)
Lincoln	Navigator, Aviator, Nautilus, Corsair	Standard, Reserve, Black Label (availability varies by model)
Chevrolet	Tahoe, Suburban, Silverado, Groove, Captiva (model range varies by year)	LS, LT, Z71, Premier, High Country (subject to dealer inventory)
GMC	Yukon, Yukon XL, Sierra, Acadia, Terrain	SLE, SLT, AT4, Denali (variants depend on model)
Cadillac	Escalade, Escalade-V, XT4, XT5, XT6, Lyriq, Optiq, CT5	Luxury, Premium Luxury, Sport, V-Series (model-specific)
Jeep	Wrangler, Grand Cherokee, Compass, Gladiator	Sport, Sahara, Rubicon, Limited (varies by model)
Dodge	Charger, Challenger, Durango	SXT, GT, R/T, Scat Pack (availability depends on year)
RAM	RAM 1500, RAM 2500	Tradesman, Big Horn, Laramie, Rebel
Tesla	Model 3, Model Y, Model S, Model X	Standard Range, Long Range, Performance

1. All models listed above are sold through authorised UAE dealers or official brand showrooms.
2. Exact trims and availability may change depending on model year and dealer stock.
3. These are GCC-spec vehicles, not private or grey-market imports.

Approximate Starting Prices of American Cars in the UAE

Given below are the approximate starting prices of American cars in the UAE —

Car Model	Approx. Starting Price (AED)
Ford Territory	from ~115,395 AED (5-seat SUV)
Ford Mustang	from ~219,500 AED (sports coupe)
Ford Everest	from ~158,000 AED (full-size SUV)
Ford F-150	from ~183,500 AED (pickup truck)
Jeep Grand Cherokee	from ~189,999 AED (mid-size SUV)
Jeep Wrangler	from ~192,499 AED (off-road SUV)
Cadillac XT4	from ~184,000 AED (compact luxury SUV)
Cadillac Escalade	from ~552,500 AED (full-size luxury SUV)

Disclaimer

1. The prices above are indicative and approximate.
2. Actual purchase prices may differ based on dealer discounts, optional features or ongoing promotions.
3. Always verify current pricing with an authorised UAE dealer before making a purchase decision.

Can You Insure an American Car in the UAE?

Yes, you can insure American cars in the UAE — as long as the vehicle is legally registered and complies with UAE traffic regulations. Insurance providers don’t restrict coverage based on the vehicle’s country of origin. Instead, premiums are calculated based on factors such as the car’s value, model year, engine capacity, repair costs, and availability of spare parts.

American car insurance in the UAE is offered under two standard policy types approved by UAE regulators — 

1. Third-Party Liability Insurance: This is the minimum insurance required by law in the UAE. It covers injury, death, or property damage caused to a third party. However, it does not cover damage to your own American car.
2. Comprehensive Car Insurance: This provides wider protection and is commonly chosen for American SUVs, muscle cars, luxury vehicles, and electric models. It covers damage to your own vehicle due to accidents, along with third-party liability, theft, fire, and other insured risks.

Most insurers readily cover GCC-spec American cars purchased from authorised UAE dealerships. American vehicles imported from the US may also be insured, but coverage terms and premiums can vary depending on the insurer’s internal policy.

How to Buy American Car Insurance in the UAE?

Getting American car insurance in the UAE is a simple and fully online process. The easiest way to compare and buy a policy is through Policybazaar.ae, which allows you to view plans from multiple UAE insurers in one place.

To get started, you need to enter basic vehicle details such as the car brand, model, year of manufacture, and registration information. You will also be asked to provide your driving history and Emirates ID details. Once you submit this information, Policybazaar.ae shows you a list of available third-party and comprehensive insurance plans from licensed UAE insurers.

You can compare premiums, coverage benefits, deductibles, and add-ons such as roadside assistance or agency repair. After selecting a suitable plan, you can make the payment online — the insurance policy is issued digitally. 

Top Insurers for American Car Insurance In UAE

Here’s a list of some of the leading insurers whose motor insurance plans are usually available for comparison and purchase on Policybazaar.ae —

1. Sukoon Insurance
2. GIG Gulf
3. Watania Takaful
4. Al Sagr National Insurance
5. Al Fujairah National Insurance Company
6. Salama Takaful
7. Abu Dhabi National Insurance Company
8. Tokio Marine & Nichido Fire Insurance
9. Qatar Insurance Company
10. Orient Insurance
11. United Fidelity Insurance
12. Dubai Insurance Company
13. Liva Insurance
14. RAK Insurance 

Disclaimer: The list of insurers mentioned above is not exhaustive. Policybazaar.ae works with multiple RTA-approved and licensed insurance providers in the UAE. The availability of insurers may vary based on the vehicle type, model, location, and underwriting criteria.

What is Covered and Not Covered in American Car Insurance in the UAE?

American car insurance in the UAE generally follows standard motor insurance guidelines issued by UAE regulators. The exact coverage depends on whether you choose comprehensive insurance or third-party liability insurance, as well as the insurer’s policy wording. 

What is Covered in American Car Insurance?

Here are the common inclusions under comprehensive American car insurance — 

Coverage	What It Includes
Own Damage Cover	Covers repair or replacement of your American car after an accident
Third-Party Liability	Covers injury, death, or property damage caused to others
Theft & Burglary	Protection if the vehicle is stolen or damaged due to theft
Fire Damage	Covers loss or damage due to fire or explosion
Natural Calamities	Covers damage from floods, storms or other natural events (as per policy terms)
Personal Accident Cover	Compensation for the driver in case of injury or death
Towing Services	Towing of the vehicle after a covered accident
Agency / Non-Agency Repairs	Repair at authorised dealers or approved garages, based on the chosen plan

What is Not Covered (Exclusions) in American Motor Insurance?

American car insurance policies in the UAE usually do not cover the following situations — 

1. Normal wear and tear or mechanical breakdown
2. Damage caused while driving under the influence of alcohol or drugs
3. Accidents caused by reckless or illegal driving
4. Damage while driving outside the geographical limits stated in the policy
5. Loss or damage when the driver does not hold a valid UAE driving licence
6. Consequential damages not directly linked to an insured event
7. Electrical or mechanical failure not caused by an accident

Documents Required to Buy American Car Insurance in the UAE

When you buy American car insurance in the UAE, insurers require a standard set of documents to verify the vehicle and your details. These documents are the same for American cars as they are for other vehicle brands and are mandatory under UAE motor insurance regulations. Generally, you will need the following documents —

1. Emirates ID of the vehicle owner
2. UAE driving licence (must be valid at the time of policy purchase)
3. Vehicle registration card (Mulkiya)
4. Passport copy with residence visa (for residents, if requested by the insurer)
5. Previous insurance policy copy (required during renewal or for No Claim Discount transfer)
6. Vehicle details such as chassis number, model year, and engine number

Claim Process for American Car Insurance in the UAE

The claim process for American car insurance in the UAE follows standard motor insurance procedures. While steps may vary slightly by insurer, the general process remains the same.

• Report the accident to the police: Get an official police report through the relevant emirate’s police app or service centre. This report is mandatory for all car insurance claims.
• Inform your insurance provider: Notify your insurer directly. You can also initiate the claim through Policybazaar.ae if you purchased the policy from there.
• Submit required documents: Share the police report, insurance policy details, Emirates ID, driving licence, and vehicle registration card.
• Vehicle inspection and assessment: The insurer will inspect the car and assess the damage before approving repairs.
• Repair approval and garage assignment: Based on your auto insurance policy, repairs will be done at an authorised agency workshop or an approved network garage.
• Repair completion and claim closure: After repairs are completed and any applicable deductible is paid, the vehicle is released and the claim is closed.

In cases of theft or total loss, insurers may request additional documents and follow a longer verification process before settlement.

Frequently Asked Questions

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