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Best Car Insurance Dubai Offers: Top 14 Companies

The BEST vehicle insurance in Dubai should be the best for YOU, which means it should be tailored to your car type, budget, circumstances, and other factors. Then, you’d need to see which insurance providers offer a quote that suits you.
LOOKINSURE HAS DONE THE RESEARCH. So, everything you need to know about the best car insurance Dubai, top car insurance companies (along with the benefits and limitations), and many more is covered in this article from Lookinsure mag.

Frequently Answered Questions

1.⁠ ⁠How much does car insurance cost in Dubai?

Car insurance costs in Dubai vary based on the type of coverage, the car model, and the driver’s profile. On average, third-party insurance can cost around AED 1,200 to AED 1,500 per year, while comprehensive insurance can range from AED 2,000 to AED 4,000 per year.

2.⁠ ⁠Which insurance is best in Dubai for cars?

The best car insurance in Dubai depends on individual needs and preferences. Comprehensive insurance is generally recommended for maximum coverage, including damages to your own vehicle, third-party liability, and additional benefits like roadside assistance and personal accident cover.

3.⁠ ⁠What are the top car insurance companies in Dubai?

The top car insurance companies in Dubai include RSA, Sukoon Insurance, Watania Takaful, AFNIC, GEICO, Al Dhafra Insurance, Oriental Insurance, Methaq Takaful, Adamjee Insurance, GIG Gulf (AXA), Al Sagr Insurance, Tokio Marine, Salama Takaful, and ADNIC.

4.⁠ ⁠How many types of car insurance are there in the UAE?

There are mainly two types of car insurance in the UAE: third-party insurance and comprehensive insurance. Third-party insurance covers damages to others’ vehicles or property, while comprehensive insurance provides extensive coverage including third-party liability and damages to your own vehicle.

5.⁠ ⁠What is the oldest car insurance company in the UAE?

Oriental Insurance, established in 1960, is one of the oldest car insurance companies in the UAE.

Key Takeaways: Best Car Insurance Dubai

Lookinsure is all about making the best of your time and money; so, here’s a short version (TLDR or Too Long, Didn’t Read) of all the points on best car insurance Dubai has for you among car insurance blogs.


Types of Car Insurance Dubai Has

Car insurance companies in the UAE mainly offer two types of motor insurance:

Of course based on your circumstances, you might find the most suitable option among these two; for example, check out the deals on car insurance for young drivers and you’ll see what I mean. I’ll briefly go over each insurance type to make sure you know the most recent updates about best car insurance Dubai providers offer, which will be your car insurance buying guide.

On a sidenote, if you’re living in Sharjah, you can take a look at our guide on car insurance companies in Sharjah to find the most suitable quote based on your location.

Types of Car Insurance Dubai Has

Third-Party Car Insurance

Third-party car insurance is the basic and legally required vehicle insurance in Dubai. This policy is designed to protect you financially if you cause an accident that damages someone else’s vehicle or property, or results in injury to others. However, it does not extend to cover any damage to your own car.

Here’s an example: If you are involved in a collision and you’re at fault, third party liability coverage would pay for the repair costs of the other party’s vehicle and any associated liabilities, but you would be responsible for your own car’s repair costs. This option is ideal for those seeking a budget-friendly choice while still meeting legal requirements.

Comprehensive Car Insurance

Comprehensive car insurance, on the other hand, offers a much broader range of protection. Beyond covering third-party liabilities, full coverage policy includes financial protection for damage to your own vehicle, whether from accidents, theft, fire, or vandalism.

Here’s an example: If your car is damaged in a storm or stolen, comprehensive insurance would cover the costs of repairs or replacement. Also, comprehensive plans often include extra benefits such as personal accident coverage, which helps cover medical expenses in case of injury, and roadside assistance, which provides support in situations like breakdowns or flat tires.

This type of insurance is ideal for those who want extensive coverage and added peace of mind, especially if they own a high-value or new vehicle.

So, here’s the question: Which of these insurance types speaks to you? Keep reading if you still haven’t made up your mind. There’s so much more information in store for you!

On a sidenote, if you’re living in Abu Dhabi, you can take a look at our guide on car insurance companies in Abu Dhabi to find the most suitable quote based on your location.

How to Choose the Best Car Insurance Company in Dubai

Selecting the best car insurance company in Dubai can be challenging due to the variety of options available. Different insurers offer a range of prices, benefits, add-ons, and claims processes, making it essential to compare these factors to find the best policy for you.

Compare Best Car Insurance Companies in Dubai

When choosing a car insurance provider, consider the following key factors:

Coverage and BenefitsEvaluate the range of coverage best car insurance Dubai companies. Some car insurance brokers might include additional benefits such as roadside assistance, personal accident cover, or rental car reimbursement. For example, if you frequently travel long distances, a policy with tried and trusted roadside assistance could be more important!
Price and ValueWhile cost of car insurance is an important factor, it should be weighed against the value of the coverage provided—the cheapest car insurance plans might not always be the best motor insurance in Dubai. For instance, a slightly higher premium might provide significantly better coverage or lower deductibles
Add-OnsLook for optional add-ons that can enhance your policy. Common add-ons include coverage for accessories, windscreen repairs, and no-claims bonuses. Depending on your needs, these extras can add significant value to your policy
Claim ProcessMake sure to research the claims process of each insurer. An efficient and straightforward claims process can make all the difference in the event of an accident. To gauge the insurer’s reliability, start by looking for reviews or testimonials about their claims handling to gauge their reliability

How Lookinsure Can Help

Lookinsure makes the process of finding the best car insurance a whole lot easier by providing a platform where you can compare, choose, and issue policies with ease. And the best part is: You can do it all from the comfort of your own home!

Here are just a few reasons Lookinsure stands out:

Competitive OffersAccess the most competitive prices from over 10 different brokers, ensuring you get the best deal available in the market
User-Friendly ExperienceObtain a quote and compare multiple options effortlessly in just 2 minutes. This can save you a lot of time and effort when trying to find the right policy
Secure TransactionsEnjoy peace of mind with secure transactions through trusted payment gateways like Tabby, Visa, Mastercard, and more

With Lookinsure by your side, you can now, like never before, streamline your search for car insurance and find a policy that offers the best value, tailored to your individual needs and preferences.

On a sidenote, if you’re living in Ajman, you can take a look at our guide on car insurance companies in Ajman to find the most suitable quote based on your location.

Top 14 Car Insurance Companies in Dubai

Below is a detailed overview of the top car insurance companies in Dubai, including their types of insurances offered, inclusions, and add-ons. If you want a more detailed guide on insurers, check out our Car Insurance Providers Articles.

1. Liva

Once operating under the name RSA Insurance, Liva Insurance and its affiliated companies have expanded their presence to major GCC markets, such as Oman, Saudi Arabia, the United Arab Emirates, Kuwait, and Bahrain. They are also set to operate in Qatar in the near future.

Motor Executive

This is Liva’s premium offering, providing extensive coverage that includes:

Vehicle InspectionAmbulance CostThird party liability for property damage
Emergency RepairsGarage and/or Valet ParkingPersonal Possessions
Personal InjuryThird Party Liability for Family/PassengersTaxi Fares
New Vehicle ReplacementTemporary Car Rent

Motor Smart

This popular policy includes coverage from vehicle inspection to replacement, offering robust protection for most drivers.

Motor Value

As the name suggests, this plan offers cost-effective third-party coverage with benefits such as:

Ambulance CostsCovers emergency medical transport
Third-Party LiabilityProtects against property damage claims
Off-Road CoverIncludes protection for off-road incidents

2. Sukoon

Sukoon Insurance stands out as a leading, multi-award-winning provider of health, travel, and automobile insurance in the UAE. The company operates a network of branches across Dubai and Abu Dhabi, reflecting its strong presence and commitment to excellence in the region.

They provide three distinct types of car insurance coverage:

Comprehensive Car InsuranceThis policy offers all-encompassing protection for your vehicle, delivered by one of the region’s leading insurers. It includes an extensive range of benefits, such as coverage for accidental damage, theft, and natural calamities, along with a variety of additional protections to ensure your car is safeguarded in almost any scenario
Privilege MotorDesigned specifically for high-end and luxury vehicles, the Privilege Motor insurance plan offers premium coverage with exceptional benefits and high coverage limits. This plan caters to the unique needs of luxury car owners, providing top-tier protection and a comprehensive suite of additional coverages
Third-Party Car InsuranceThis cost-effective policy provides essential protection against liabilities for personal injuries and property damage caused to third parties in the event of an accident. It is an economical choice for those who need to meet legal requirements while ensuring coverage for damages inflicted on others

3. Watania Takaful Insurance Company (Noor Takaful)

Watania Takaful provides car insurance solutions that compliant with Sharia principles, offering both third-party and comprehensive coverage options. Their policies are designed to meet Islamic financial guidelines while delivering thorough protection for drivers.

Watania Takaful Insurance Company Coverage and Add-ons

4. Al Fujairah National Insurance Company (AFNIC)

AFNIC Car Insurance provides top-tier car insurance services, ensuring extensive coverage and exceptional support for your vehicle.

Motor Comprehensive Cover

AFNIC’s Motor Comprehensive Cover offers a thorough protection plan that includes:

Own Damage ProtectionCovers damage to your insured vehicle resulting from accidents, including collisions, overturning, fire, explosions, self-ignition, theft, vandalism, or damage during transit
Third-Party LiabilityIncludes coverage for legal liabilities arising from bodily injury or property damage caused to third parties due to an accident involving your vehicle. This coverage complies with local Road Traffic Laws
Agency Repair CoverAllows for repairs at authorized agency or dealer workshops, ensuring that your vehicle is serviced by certified professionals using genuine parts
Non-Agency Repair CoverProvides the flexibility to have your vehicle repaired at any licensed garage, offering convenience if you prefer or require repairs outside of authorized workshops

Third-Party Liability Cover

AFNIC’s Third-Party Liability Cover addresses your legal obligations in the event of an accident. It specifically covers:

Bodily Injury and DeathProvides financial protection for claims made by third parties for injuries or fatalities caused by an accident involving your vehicle
Property DamageCovers damages to third-party property resulting from an accident involving your car

Some Additional Cover and Facilities

  • Driver & Passenger Cover, up to AED 200,000
  • Oman Cover, with Orange Card
  • Emergency Road Side Assistance Services
  • Natural Disaster Cover

5. GEICO

As a prominent global insurance provider, GEICO offers a simple and flexible approach to customizing your car insurance to fit your individual needs. Their services are designed to allow you to adjust coverage easily, ensuring that your policy aligns perfectly with your personal requirements.

Essential Auto Insurance Coverages

These are mandatory coverages that protect you financially if you’re deemed responsible for an accident that causes damage or injury to others. They ensure that any damages to other people’s property or medical expenses for injuries they sustain are covered. If it is a question for you that is car insurance mandatory in Dubai, check out or full guide on it.

Optional Auto Insurance Coverages

While not legally required, additional coverages provide enhanced protection for your vehicle and yourself. These optional policies extend beyond basic vehicle damage to include various types of coverage, such as:

Protection for Your Own VehicleCovers damages to your car from incidents like theft, fire, or natural disasters
Personal Injury ProtectionHelps with medical expenses and related costs for injuries sustained by you and your passengers

By choosing these additional coverages, you gain an extra layer of security, ensuring that both your vehicle and personal well-being are well-protected.

6. Al Dhafra Insurance

Al Dhafra Insurance provides a range of car insurance options, including both third-party and comprehensive coverage. Their policies come with added perks such as off-road protection, personal accident coverage, and a replacement car service.

7. Oriental Insurance

Oriental Insurance provides comprehensive and third-party car insurance policies. Their comprehensive coverage includes benefits like personal accident cover, roadside assistance, and coverage for windscreen damage.

About Oriental Insurance

The Oriental Insurance Company Ltd., a major public sector insurer in India, is owned by the Government of India and operates under the Ministry of Finance. Headquartered in New Delhi, it has a widespread network with 29 regional offices and over 2,000 branches throughout the country.

In Dubai, Oriental Insurance has been serving clients since 1960 through its Chief Agency, ARMAB INSURANCE WORKS LLC. With more than 60 years of experience in the region, the company has built a reputation for reliability and high-quality service, offering a range of customized insurance solutions.

In addition to their offerings, Oriental Insurance’s strong underwriting capabilities and financial stability allow them to assist other insurers in GCC countries through Facultative Re-Insurance for various risks. Their underwriters also work closely with insurance brokers to create tailored coverage solutions, ensuring clients receive the best possible protection. Also if you see fit, check out affordable car insurance for high-risk drivers guide to foresee any cost of car insurance that might affect you later.

Insurance Offerings

Comprehensive InsuranceThis all-inclusive policy offers extensive protection for your vehicle. It covers damages resulting from theft, accidents, and fire. Additionally, it includes third-party liability coverage, which takes care of any damages your vehicle might cause to other parties. With comprehensive insurance, you get a complete package that ensures both your vehicle and third parties are well-protected
Third-Party Liability InsuranceAs the most basic and legally required form of car insurance in the UAE, third-party liability insurance provides essential coverage for damages you cause to others. This policy is generally more affordable than comprehensive insurance but only covers damages to other people’s property or injuries sustained by them. It does not cover any damage to your own vehicle
Fleet Comprehensive InsuranceFor those managing a fleet of vehicles or a private collection, Oriental Insurance offers a specialized fleet comprehensive insurance policy. This option consolidates coverage for all vehicles under a single policy, providing the same extensive protection as a standard comprehensive plan while offering significant cost savings. It ensures that each vehicle in your fleet is covered comprehensively, streamlining administration and optimizing expenses

8. Methaq Takaful

Methaq Takaful was established with the goal of transforming the insurance sector. They take a distinctive approach to safeguarding your assets, aiming to offer innovative and effective protection solutions that set them apart from traditional insurance providers.

Comprehensive Motor Insurance

This all-inclusive policy covers damages from accidents, collisions, natural disasters, theft, and vandalism. It also includes personal accident coverage for both the driver and passengers. Additional benefits include:

  • Agency Repair Services
  • Car Replacement
  • Protection Against Political Risks

Coverage Includes the following:

  • Damage to your own vehicle
  • Damage to third-party property
  • Third-party liability
  • Vehicle theft
  • Fire damage

Third-Party Motor Insurance

Required by UAE law, third-party motor insurance offers essential coverage for legal liabilities related to damages or injuries caused to others in an accident.

Coverage Includes the following:

  • Damage to third-party property
  • Third-party liability
  • Driver’s personal accident coverage (optional)

9. Adamjee

Adamjee Insurance offers various car insurance options including third-party and comprehensive policies. With Adamjee, you have the choice to purchase either the Silver package or the Gold Package. The details of each package are below.

Silver Package

Gold Package

10. GIG Gulf Insurance

GIG Gulf, formerly known as AXA, has over 70 years of experience in the insurance industry.

They offer a variety of car insurance plans across three distinct tiers, each designed to provide tailored protection, including coverage for mechanical breakdowns, with varying levels of benefits.

Motor Prestige

Motor Prestige is a premium plan, delivering extensive benefits and top-tier protection. It includes:

Full Vehicle Protection
Third-Party Liability
Environmental and Criminal Protection
Personal Injury Coverage
Emergency Medical Support
Personal Belongings Protection
Wider Coverage Options
Guaranteed Repairs and Agency Repairs
Total Loss Benefit

Motor Perfect

Motor Perfect strikes a balance between comprehensive protection and affordability, offering a versatile range of benefits:

Vehicle Damage Protection
Third-Party Liability
Wide-Range Protection
Personal and Medical Protection
Personal Assets Preservation
Freedom to Explore
Flexible Repair Options
Tailored Benefits

Motor Third Party

Motor Third Party provides essential coverage at a budget-friendly price, focusing on core protection, which makes it an affordable option for best vehicle insurance in Dubai.

Third-Party Liability
Additional protection for driving in Oman.
Accident Recovery
Optional Personal Accident Benefits

11. Al Sagr Insurance Company

Founded on December 25, 1979, and headquartered in Dubai, UAE, Al Sagr is a national insurance provider specializing in best motor insurance in Dubai. With over four decades of expertise, the company delivers a diverse range of high-quality and comprehensive insurance solutions to its clients.

Comprehensive Insurance Benefits

Covers repairs at authorized dealers for up to 3 years from registration.
Covers repairs at non-authorized dealers for up to 10 years.
Up to AED 2,000,000 for items and property.
Unlimited coverage for injuries.
Up to AED 6,770 per person.
Up to AED 200,000.
24/7 Roadside Assistance

Optional Benefits

Driver and Passenger Coverage
Personal Belongings Protection
Windscreen Coverage
Medical Expenses
Car Replacement
Natural Disaster Coverage
Oman Coverage
Orange Card

12. Tokio Marine

Tokio Marine is also a good option if you’re looking for the best car insurance Dubai offers.

Tokio Third Party

If you’re looking for basic coverage that meets legal requirements, Tokio Third Party provides essential protection for damages and injuries caused to others in an accident.

Tokio Must

This plan offers coverage that includes repairs at a network of premium insurance garages.

Tokio Smart Plus

If you prefer repairs exclusively at your dealership, Tokio Smart Plus provides agency repair coverage.

13. Salama Takaful Insurance Company

Salama Takaful, one of the best car insurance companies in Dubai, provides a range of Shariah-compliant insurance solutions tailored for both personal and corporate needs across the UAE.

Here are some key features of Salama’s Auto Takaful plan:

Quick and Efficient Repairs
Personal Accident Coverage
Off-Road Assistance
Vehicle Recovery Service
No-Cost Battery Boost Service
Car Registration Service

14. ADNIC

ADNIC is a leading insurance provider with a strong presence across Abu Dhabi, Dubai, Sharjah, and the UAE. They offer three types of car insurance in Dubai:

Gold Policy

This premium option provides extensive coverage, including motor insurance with added benefits for greater peace of mind. It offers third-party liability protection with coverage up to AED 3,500,000.

Standard Policy

This plan delivers essential coverage, offering third-party liability for property damage up to AED 2,000,000. It is designed for those seeking reliable protection at a basic level.

Third-Party Liability Policy

Meeting the minimum legal requirements in the UAE, this policy covers third-party damages up to AED 2,000,000.

Best Car Insurance Dubai: Comparison Table

Do want to find a car insurance company that ticks the boxes essential to you? Check out the table below for a quick comparison between the offerings of best motor insurance in Dubai!

CompanyThird-party liabilityDamage to insured vehicleTheft and firePersonal accident coverRoadside assistanceReplacement car serviceOff-road coverNatural calamities coverWindscreen damage
Oriental ❌❌ ❌ 
Sukoon❌  
Liva❌  ❌ 
Watania Takaful ❌ ❌ ❌ 
AFNIC ❌❌  ❌ 
GEICO ❌❌  ❌ ❌ 
Al Dhafra  ❌  ❌ ❌ 
Methaq Takaful  ❌  ❌ ❌ 
Adamjee   ❌❌  ❌ ❌ 
GIG Gulf   ❌ ❌ ❌ 
Al Sagr   ❌ ❌ 
Tokio Marine   ❌ ❌❌  ❌ 
Salama Takaful   ❌❌  ❌ ❌ 
ADNIC  ❌ ❌  ❌ 
Best Car Insurance Companies in Dubai: Comparison Table

Lookinsure Tips: Choose the Best Car Insurance Dubai Offers

When learning how to select car insurance, consider factors such as the cost, coverage, and benefits. Best vehicle insurance in Dubai has various plans, so it’s essential to compare them. Lookinsure offers a user-friendly online platform where you can compare multiple car insurance policies and choose the best one based on your needs.

Wrapping Up

Choosing the best car insurance Dubai offers is crucial for protecting your vehicle and ensuring peace of mind. Car insurance companies in the UAE offer varied policies and benefits.

From the cost-effective third-party insurance to the extensive protection of comprehensive policies, understanding the types of car insurance available can guide you in making an informed decision.

This guide has provided detailed insights into the top car insurance companies in Dubai, highlighting their offerings, inclusions, and add-ons.

By considering factors such as coverage details, add-ons, claim processes, and customer service, you can choose the best car insurance in Dubai that aligns with your requirements.

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Niloo Maghazei
Niloo Maghazei
I'm a skilled researcher and writer with extensive experience in the UAE insurance sector. I bring a deep understanding of local market trends and regulations to my articles. I'm usually known for my sharp insights and analysis and am dedicated to helping readers navigate insurance decisions with confidence. I enjoy adding a personal touch to my articles by including real-life examples and relatable scenarios.

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