Online Car Insurance in Dubai, UAE | Motor Insurance Quotes & Start @ AED 630*

What is Car Insurance?

Car insurance is a kind of motor insurance that financially secures the vehicle, passengers and the driver in case of an accident. The policy offers financial coverage against events like fire, accidents, theft, and third-party liabilities. You can get maximum coverage for your vehicle by paying an affordable premium.

There are 2 types of car insurance UAE - Third-party insurance and Comprehensive insurance. It is mandatory to have motor insurance in UAE, in the absence of which you get 4 black points

Top Car Insurance Dubai Plans

Some of the cheapest car insurance quotes in Dubai, the UAE are:

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

Key Features of Car Insurance UAE

Key Features	Insurance Benefits Offered
Coverage	Comprehensive
Third-Party Cover	Mandatory, Up to AED 200,000 on Accident Benefits
Coverage	Up to AED 200,000.
Minimum Premium	Begin at AED 630.
Process for Claim	Policybazaar UAE Portal & Insurer Portals
Claim Assistance	Yes
Savings	Up to 30% Safe Driver Discount*
Add-ons Covers	Driver Cover, Passenger Cover, Natural Calamities, Replacement Of Vehicle, Roadside Assistance, Oman Cover
Buy/Renew Process	Online

Why Should You Buy Car Insurance Dubai Through Policybazaar.ae?

With Policybazaar.ae, you can unlock a wide range of benefits and effortlessly get your desired insurance coverage when you buy motor car insurance Dubai. Here are the key benefits of obtaining insurance through our digital platform -

Compare Car Insurance

PB Advantage

Instant Issuance

Customer satisfaction

Here are just 4 reasons why:

Compare & buy online car insurance in Dubai, UAE from over 35+ RTA-approved car insurance companies in just 30 seconds
Enjoy exclusive PB Advantage perks like 12 free car washes, up to 30% safe driver discount*, and so much more.
Avail of the instant policy issuance benefit with zero paperwork
Get cheapest car insurance Dubai & the UAE that more than 1.5 million customers trust

Bonus - Take advantage of world-class after-sales service including 24/7 claim assistance

Types of Car Insurance UAE

Vehicle insurance can be of two main types Comprehensive insurance and Third-party insurance. These two types of insurance are segregated based on the coverage they offer, the scope and the tenure of the plan. It is mandatory to have at least a basic level car protection plan for your vehicle at all times. Any of the two types of available car insurance in Dubai can fulfill that requirement for you.

Third Party Car Insurance

Third-party insurance is a type of auto insurance. It covers the damages and injuries that you cause to a third party in an accident. Note that your own vehicle is not covered. Various factors impact the cost of third party vehicle insurance in Dubai. This includes your age, driving record and experience, type of car, and so on. A few other factors also play a role here, such as the location where your car is registered, the insurer’s policies, and add-ons (if any). To find the best coverage at affordable prices, compare plans from multiple insurance companies.

Comprehensive Car Insurance

Comprehensive insurance covers damages and injuries of both the insured individual(s) and third parties. This Car Insurance Dubai covers damages or losses related to the insured car incurred due to accidents, theft, fire, and more. The cost of a comprehensive insurance plan varies as per several factors like the driver's age, driving experience, type of car, previous driving record, and so on. On Policybazaar.ae, you can compare different policies from the top motor insurers all at once to make your policy-buying journey even smoother.

List of Cheapest Car Insurance Plans in Dubai, UAE- 2025

Since such type of insurance plan is mandatory in Dubai, it is crucial to choose a policy wisely. Always opt for plans with maximum coverage at economical premiums to get the best deal. To ease your research and make an informed decision, we have provided you with a list of some affordable vehicle insurance plans in Dubai.

Insurer Name	Third-Party Price (in AED)	Comprehensive Price (in AED)
Sukoon Insurance	630	1470
RAK Insurance	630	1523
Watania Takaful Insurance	630	1575
Salama Insurance	651	1680
Tokio Marine Insurance	735	1801
GIG Gulf Insurance	738	1523
Alliance Insurance	788	1365

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

Why Is Car Insurance Mandatory in Dubai, UAE?

Driving brings its own set of responsibilities. One of the most important ones is car insurance Dubai, which offers financial protection against legal liabilities from accidents. Note that third-party car insurance is mandatory for driving in Dubai. For better coverage, however, it’s advisable to check comprehensive plans.

Let’s understand why motor insurance is compulsory in Dubai and across the UAE —

It’s the RTA Law – Driving without insurance is illegal. It can lead to serious consequences as per RTA guidelines. In Dubai, you can get 4 black points on your driving licence and face an AED 500 fine. In fact, your vehicle can be impounded. If you keep driving without insurance, your licence can also be suspended.
Financial Protection When You Need it the Most – Even with all precautions, accidents can happen. With a car insurance policy, you don’t have to bear all expenses if something goes wrong. For instance, if you’ve a comprehensive plan and end up injuring a third-party in an accident, you can file a claim. Your insurer can cover the costs related to vehicle repairs, medical bills, legal fees, and compensation to the third party.
Encourages Safer Driving – In a way, insurance also promotes responsible driving. If you keep a clean record and avoid reckless driving, you can enjoy a no-claim bonus. This gets you discounts for every year you don’t file a claim.
Peace of Mind on the Road – Whether you choose third-party or comprehensive insurance, knowing you’re protected brings real peace of mind. You can drive in Dubai with confidence, knowing that you, your loved ones, and others on the road are covered against legal and financial troubles.

UAE Motor Insurance Premium Calculator

Computing insurance premiums on your own can be a huge hassle. What you can do instead is use our auto insurance calculator to get an estimate. Policybazaar UAE insurance premium calculator is an expertly crafted, online computation tool that helps in determining the estimated auto insurance premiums for your policy. Here is a list of steps you can follow to use our car insurance calculator:

Step 1 - Starting from the top-left enter your car brand, year of manufacturing, model and the exact variant.
Step 2 - Once you enter these details, the estimated auto insurance premium for policies suiting your vehicle will be displayed on the bottom-left side of the calculator.
Step 3 - The computations can be changed by changing any of the four variables in the Policybazaar UAE insurance calculator.
Step 4 - You can also click & view plans to view the most suitable car insurance plans.

Get Car Insurance Dubai Quotes from Top Leading Motor Insurers

Policybazaar.ae is a leading online souk for a range of insurance solutions, including motor insurance. We are dedicated to revolutionising the way residents see and access insurance in Dubai & the UAE. With partnerships with over 35+ car insurance companies, we offer a comprehensive range of services, from policy purchase to claim support. Explore the complete list of our partnered insurance companies below!

Car Insurance Inclusion & Exclusions in Dubai

What is Covered

Third-Party Damage - Covers the repair costs of damages done to someone else’s car by your insured car.

Damage to Insured Vehicle - Covers the repair cost of the damaged insured vehicle

Emergency Medical Expenses - Pays emergency medical costs that you and your passengers incur in case of an accident

Fire & Theft Cover - Offers coverage for vehicle damage in case of fire or theft of your vehicle.

Third-party Liability - Coverage for legal and financial liabilities that arise from third-party injuries or death.

What is not Covered

Driving under the Influence - Causing an accident or harm while driving under the influence of alcohol or drugs.

Vehicle Overloading - more passengers or cargo than allowed

Intentional Damages - Damages or losses caused intentionally are not covered

Involvement in Criminal Activities -No coverage for damage if the vehicle is used in criminal activities or hit-and-run.

Reckless Driving - Reckless driving activities, like street racing or speeding, are not covered

List of Add-ons for Car Insurance Dubai

You can always upgrade your car insurance Dubai by adding riders or add-ons for a nominal additional premium. With car insurance add-ons, you get extra protection for your insured vehicle. Some of the most common riders are –

Personal Accident Cover

Personal accident add-on covers the drivers and passengers in your vehicle. If an accident leads to disability or death, it provides a sum of up to AED 200,000 per person. Just keep in mind that if your vehicle is overloaded at the time of accident, your claim won’t be valid.

Natural Calamities Cover

This add-on covers your car from damage due to natural disasters like floods, earthquakes, sandstorms, and more. After the flood in Dubai in April 2024, this rider has become quite popular. However, if there’s a flood and you drive your car around or park it in waterlogged areas on purpose, you will not be covered. Also, trying to start your vehicle in such areas can damage the engine and lead to claim rejection.

Car Rental Cover

With this rider, you can get a rental car as a replacement till your insured vehicle is under repair. This way, you can travel conveniently while your car is undergoing repairs after an accident.

Roadside Assistance

If your vehicle breaks down in the middle of the road, you can ask for roadside assistance from your insurance provider. Your vehicle will be towed to your nearest authorised garage using the benefit. The services, apart from towing service, include tyre replacement, battery jump start, lock replacement, breakdown recovery, and more.

Oman Extension

Oman is a popular destination for road-trips. After all, it’s quite easy to jump to E44 road in Dubai and reach Hatta border in 1.5-2 hours. With Oman Extension add-on, you can plan your journey even better and extend your own policy’s coverage to Oman!

Choose Cheap Car Insurance Company in UAE - 2025

Here’s a list of cheap car insurance in Dubai and the rest of the UAE with what it has to offer. Before choosing the car insurance dubai, make sure that you compare the quotes, check out the coverage options, and premiums. Discover the cheapest car insurance companies now!

Insurance Company	Types of Insurance Plans Offered	Premium
ADNIC Insurance	Gold Cover, Standard Cover,Third Party Liability
GIG Gulf Insurance	Comprehensive Insurance cover, Third-Party Liability Cover
Liva Insurance (Previously RSA Insurance)	Motor Executive (Comprehensive), Motor Smart (Comprehensive), Motor Value (Third-Party)
Sukoon Insurance	Comprehensive Cover, Third-Party Insurance, Privilege Motor Cover (premium covers for luxury cars/vehicles)
Watania Takaful Insurance	Comprehensive Insurance, Third-Party Liability Insurance
Orient Insurance	Comprehensive Plans, Third-Party Liability Plans
Salama Insurance	Comprehensive Plans
Tokio Marine Insurance	Comprehensive Plans
New India Insurance	Third-Party Plans, Comprehensive Plans
RAK Insurance	Comprehensive and Third-Party liability

How to Save Money on Car Insurance Online in Dubai, the UAE - 2025

Finding the right motor car insurance plan for your car in the UAE can be a lengthy process. However, there are a few simple tips you can adopt to make sure you choose nothing but the best for your ride. Here's how you can find the best car insurance in UAE :

Evaluate Your Needs: Every driver-owner has a set of unique needs which means that your ideal auto protection plan needs to be customized. So, to get the right Car insurance in Dubai for your car is to evaluate your needs. See what you want your vehicle protection plan to cover and find out whether there is anything special you would like to add. For example, if you take your car on dune safaris often, an off-road cover is a must for you. Make a list of all such unique covers your car requires and then start searching for a plan that can satisfy them all.
Scout Through Providers: Finding the best insurance companies in Dubai or any other emirate is very important. Read vehicle insurance reviews online, talk to your fellow car owners about their auto insurance providers. Choose the one with fair goodwill at the least. Make notes of everything from their plans to the claim settlement process and customer service.
Obtain a Few Quotes: Go ahead and get online motor insurance quotes in Dubai for at least your top 3 plans. Compare these final car insurance quotes for Dubai and find out which insurance plan is the most cost-effective. Comparison of your top options is one of the most important steps to finding the best auto insurance in the UAE.
Research as Per Your Emirate: If you reside in Dubai, concentrate on finding the best insurance companies in Dubai instead of the whole of UAE. This will narrow down your scope of research and make it easier to find providers specific to your area.
Check The CSR: Claim settlement ratio should always be considered before buying an auto protection plan from any particular provider. While you are at it, also find out what kind of claims get rejected or denied the most by the provider. This will give you important insights into the transparency policy of the motor insurance provider as well.
Examine the CoverageEvaluate the coverage of your auto insurance plan well and see if it includes everything you need. Get a few add-ons if necessary and find the best possible comprehensive plan for your car.

How to Compare Car Insurance in Dubai, UAE

With so many options to buy vehicle insurance online in Dubai, it can be difficult to find out which one is the best. While comparing plans is the way to go, it’s hard for many to know where to state. To find the best motor insurance in Dubai that suits your needs, here’s what you have to do —

Make a List of Insurance Companies

Start by shortlisting a few motor insurers. This helps you get a clear picture of the options out there. It also gives you an idea of what to expect in terms of coverage, premiums, services, and more.

Check What’s Covered

When comparing car insurance quotes, take time to look closely at what each policy actually covers. Make sure you understand the coverage for accidents, theft, third-party liabilities, and more.

Don't Overlook Exclusions

It’s easy to focus on what’s covered. However, it’s equally important to know what is not. When comparing UAE motor insurance quotes, carefully review the exclusions to avoid unpleasant surprises. This also helps you pick a policy that truly protects you.

Think About Add-Ons and Riders

Add-ons and riders let you customise your policy for extra protection. Whether you want coverage for off-roading, natural disasters, or personal accidents, these extras can be a great choice.

Look Out for Discounts and Offers

Many vehicle insurance providers give discounts or special deals that can lower your premiums. However, as they are usually available at particular times or occasions, check for these specifically when comparing motor insurance quotes.

Read Customer Reviews

Customer reviews give you a real-world look at how an insurance company performs. Reviews from people who’ve already used their services can help you spot both positive and negative aspects before you buy.

Factors Affecting Car Insurance Premium in the UAE

Let’s understand the key factors that affect premiums of motor insurance in UAE —

Driver’s Age – Age matters a lot for premiums. Young drivers, particularly under 25 years of age, might need to pay a higher premium. This is because they are usually considered ‘risky’ drivers due to a lack of experience. However, if you are an older and experienced driver, you can expect lower premiums.
Driving History – If you have a clean driving record, you will be considered a low-risk driver. This ultimately reduces your car insurance premium as well.
Type of Car – The kind of vehicle you drive also plays a major role in estimating the motor insurance premium. Luxury, high-performance, and sports cars have higher premiums as the vehicles themselves and the parts are more expensive.
Vehicle’s Age and Condition – If you have an older car, the insurance premium is likely to be lower. However, this also depends on the condition in which your vehicle is kept. A well-maintained older car may have a lower premium. But if the car lacks basic safety features and doesn’t meet the standards of the road, the cost will be higher.
Claims History – If you filed multiple claims in the past, the insurance company will see you as a high-risk driver. This will reflect on your premium. However, if you have no claim history, you get the benefit of a no-claim discount, which reduces your overall premium.
Add-ons – If you include add-ons like personal accident cover, roadside assistance, and more, you can expect higher premiums. For this reason, be careful while selecting add-ons — choose only the relevant ones.

What are the Benefits of Buying Motor Insurance Online?

When you buy online car insurance Dubai, you can purchase from the comfort of your home or office. Moreover, you don’t have to wait in queues or face other hassles to get your motor insurance policy. In short, the process is simple, transparent and meets RTA’s legal requirements.
Let’s discuss the major perks of buying insurance online in more detail —

Guaranteed Convenience – When you buy motor insurance online in Dubai, you can easily explore multiple options. Websites like Policybazaar UAE make it easy for you to compare your options in a matter of minutes. This saves time and effort while ensuring continuous support.
Policy Comparison Becomes Easy – With the online purchase option, you can effortlessly explore your options. Rather than browsing multiple brochures, you can easily check policies for their features, benefits, and premiums in real time.
Minimal Paperwork – You don’t have to fill out elaborate forms and papers to buy an insurance policy. When buying a plan online, you just need to select the right coverage by answering some simple questions. This process streamlines the whole shopping experience.
Transparency – You can easily review a car insurance company’s reputation online. On the internet, you can look at the company’s customer reviews and claim settlement ratio. This makes it easier for you to identify a reliable company.
Affordable Premium – Online purchases lower the running costs for insurance companies. This makes it easier for them to offer more affordable premiums. For you, this means you can get the same coverage at a competitive rate when purchasing online.
Security and Confidentiality - When you buy car insurance online, your details are safe. Leading insurers follow strict regulations and use advanced encryption and secure payment gateways. This keeps your details safe and gives you more control over your data.

Motor Insurance VS Car Insurance - Explained!

Though motor insurance and car insurance are usually used interchangeably, there is a slight difference between them. Here is a detailed overview of these differences —

Features	Car Insurance	Motor Insurance
Definition	Insurance specifically for personal cars	Insurance for a broader range of motor vehicles – bikes, cars, buses, trucks, and other commercial fleet
Vehicle Type Covered	It covers only private cars	It covers a wider range of both personal and commercial motor vehicles
Legal Use	The term is commonly used in everyday conversations	This is more of a legal and policy documentation term

How to Renew Car Insurance in Dubai?

If you bought your current policy of motor insurance Dubai from Policybazaar.ae, the online car insurance renewal process would be smooth. Given below are the steps you need to follow to renew your vehicle insurance in Dubai:

Log in to your account on Policybazaar.ae and go to your user dashboard.
On your dashboard, you will find a car insurance renewal notification (an exclusive PB feature).
You will get two options - continue with the same plan or switch to a new plan. Choose your option.
If you opt to switch to a new plan, you will be directed to the Quotes page, where you can compare and choose the plan that best fits your needs.
After that, you can click on buy now tab.
Follow the instructions thereon.
Once done, make the payment and get your motor insurance policy renewed.

Note – You should renew your motor insurance in Dubai, on time to avoid any penalties. This is also important for renewing your Mulkiya.

What are the Documents Required to Buy or Renew Motor Insurance in Dubai?

Here is a list of the documents required to buy Dubai car insurance —

Valid driving licence
Bank statements
Emirates ID (for UAE nationals)
Passport and residence visa (for expatriates)
Confirmation letter for GCC-specified vehicles

To renew your plan, you need the following documents–

A valid driving licence
Passing test certificate
Residence visa (for expatriate)
Emirates ID
No claim bonus certificate (if applicable)
Engine number, chassis number, and other details of the car (if required)
Previous insurance policy’s number

Car Insurance for Other Emirates

Car Insurance Dubai Guide

Engine Damage and Auto Insurance Cover Guide	Guide to Renew Car Registration in Dubai	Car insurance Cover if my Friend is Driving my Vehicle in Dubai Guide	Guide of Car Insurance Claim in UAE
Guide For New Driver Looking for Car Insurance	Guide for How to Check RTA Vehicle Certificate Status	Guide for Buying Car Insurance for GCC Cars	Guide For Car Insurance in Desert in the UAE
Steps to Deactivate Salik Tag and Cancel Salik Account	Car Insurance Cancelled After Accident – How to Proceed from Here?	Why Car Insurance Rates Are Suddenly the Double in UAE?	How to Transfer Car Insurance from One Person to Another

FAQs on Car Insurance in Dubai, UAE

Motor insurance is a legal requirement that you need to fulfil if you are a vehicle owner, be it new or used vehicle. Motor insurance in Dubai financially protects your automobile and you in case of third-party liabilities and damage to your vehicle because of an accident, theft, vandalism, or fire.

Roadside assistance cover is a helpful add-on to include in your insurance policy. If you are stuck in the middle of the road, you can use this add-on to get assistance related to mechanical failure, flat tyre, towing, and so forth.

If you have not claimed any amount for any type of damage during the policy term from your respective insurer, you can get a discount on your premium at the time of renewal. This can help you save a significant amount in premiums.

Although there are a lot of factors that play a deciding role in your car insurance’s premium like age, variant, make, etc. you can easily calculate your premium through online car insurance premium calculator by simply putting in the details like model number, car plate number, etc.

You can verify your car insurance status online by accessing your insurer's online portal dir042-ectly. If you purchased your policy through policybazaar.ae, you can dial 800- 800-001 for assistance or log into your account for more details about your plan.

Simply search for quotes according to your budget and compare them. This process becomes simplified when you apply via Policybazaar.ae. Fill out the lead form with the required info, such as model, the value of the car, current emirate, etc, and submit your details to view the quotes page.

No, Car insurance is not cheaper in Dubai than in other emirates. The premiums, however, can vary based on the vehicle type, driver profile, and the type of insurance you choose. Dubai has the largest population and a significant number of vehicles, resulting in a higher number of insured vehicles. However, there are other determinants too - the vehicle’s value and coverage level.

You can get the most affordable motor insurance plans in Dubai from Adamajee Insurance, Qatar Insurance, Sukoon Insurance, Salama Takaful, Al Sagr National Insurance, and more.

You need a third-party motor insurance plan to drive in Dubai. However, for comprehensive coverage, experts recommend purchasing a comprehensive car insurance policy in Dubai.

You are advised to renew your auto insurance in Sharjah, Dubai and the UAE a day prior to the expiration of last year's auto insurance. However, in case you are unable to renew vehicle insurance on time, as per the laws of RTA, you will be granted a grace period of 30 days after the expiration to renew your motor insurance in UAE.

The premium of your car insurance Dubai will be higher if it is recognized as a high-risk vehicle by the insurance company and vice-versa. Since anti-theft devices for cars lowers the risk of theft significantly, installing them significantly lowers the premium of policy that you are buying.

Yes, you can customise your motor insurance policy by including optional coverages or add-ons.& Although motor car insurance add-ons differ from one provider to another, some of the common add ons you can find with comprehensive insurance plans include -

Roadside assistance cover
Personal accident cover (for the driver and passengers)
Oman extension
Vehicle replacement cover
Natural disasters cover, and more.

Your car insurance policy number is a unique identifier specific to your insurance contract. You can locate it by reviewing your policy certificate and schedule or by accessing your insurer's online portal or mobile app. If required, you can contact your insurance company's customer service department or your insurance broker (042-472-904 if purchased through Policybazaar.ae) or agent for assistance.

Own damage coverage in auto insurance refers to the financial protection against damages to or loss of your own vehicle resulting from accidents, theft, or fire. The difference between a third-party liability coverage and own damage vehicle insurance, which covers damage or injury to other people or their property.

Note - Own damage cover is automatically included in comprehensive auto insurance plans

Not all providers allow car insurance transfers. Some may ask you to cancel the policy, while others will enable you to transfer it. If the company doesn’t allow insurance transfer, the buyer would need to buy a new plan.

Yes, expats need car insurance to drive around in Dubai.In fact, car insurance is mandatory regardless you are an expat or a UAE national. If you wan to find the best car insurance for expats, you can visit Policybazaar.ae.