Best Car Insurance Companies in Dubai

In a market filled with options, identifying the best car insurance in Dubai & 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.

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 the UAE and Dubai that highlight providers known for reliable coverage, efficient claims handling, and excellent customer service.

• GIG Gulf Insurance
• Sukoon (Previously Oman) Insurance
• Liva (Previously RSA) Insurance
• Orient Insurance
• Al Sagr Insurance
• Union Insurance
• Dubai National Insurance Company (DNIC)
• Al Fujairah National Insurance Company (AFNIC)
• Salama Takaful Insurance
• Tokio Marine Insurance

1. GIG Gulf 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.

2. Sukoon (Previously Oman) 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. 

3. Liva (Previously RSA) 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.

4. Orient 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.

5. Al Sagr 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. 

6. Union 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. 

7. Dubai National 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.

8. Al Fujairah National Insurance Company (AFNIC)

Headquartered in Fujairah, Al Fujairah National Insurance Company was established in 1976. As one of the best car insurance companies in the 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. 

9. Salama Takaful 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.

10. Tokio Marine 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. 

How to Select the Best Car Insurance in the 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 the 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.

Last Updated At - 07 June 2025

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