Like other UAE cities, car insurance in Sharjah is mandatory for all vehicles, whether brand-new or pre-owned. This legal necessity for motor insurance coverage means you must learn about best car insurance companies in Sharjah as a car owner. Out of over 60 providers in the UAE, almost all of them provide insurance services in Sharjah. But which insurance company is the right fit for your needs? After all, acquiring insurance is not just a way to avoid legal penalties and prosecution
To find the best insurance option, you must navigate the maze of top car insurance companies in Sharjah. Lookinsure mag is here to help you on your quest. We have prepared this insurance guide to explore various options, discover insurance companies that comply with Islamic religious standards, and help you balance legal requirements and personal needs.
Frequently Answered Questions
1: Which are the best car insurance companies in the UAE?
The best car insurance companies in the UAE are AXA, Emirates Insurance, and Oman Insurance. Union Insurance and RSA Insurance are also reputable. They offer strong coverage and customer support.
2: What company has the best car insurance rate?
Sukoon (Oman) Insurance and GIG Gulf (AXA) often have competitive car insurance rates. It’s best to utilize Lookinsure to compare quotes from multiple companies for the best deal. Rates depend on individual factors like driving history and vehicle model.
3: What is the most trusted car insurance company?
GIG Gulf (Axa Insurance) is highly trusted, along with Emirates and Sukoon (Oman) Insurance. Trustworthiness varies by customer experience, but these companies have a proven track record of handling complex insurance claims throughout the years.
4: Which company is best for car insurance claims?
GIG Gulf Insurance is known for efficient car insurance claims. Oman Insurance and Emirates Insurance also have good reputations for claims handling.
5: Which type of car insurance is best?
Comprehensive car insurance is often the best, covering damage, liability, theft, and disasters. These plans can be customized, providing a personalized scheme to offer peace of mind in case of an accident.
6: Which company gives the best insurance?
GIG Gulf Insurance is often cited as offering the best car insurance in the UAE, but it varies by individual needs. Other strong contenders include Emirates Insurance and Sukoon Insurance.
Key Takeaways: Car Insurance Companies in Sharjah
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 top 12 car insurance companies in Sharjah.
1: Best Car Insurance Companies in Sharjah
GIG Gulf (formerly AXA insurance company), Sukoon (formerly Oman insurance company), Methaq Takaful insurance, Oriental insurance company, Al Sagr National insurance, Emirates insurance company, Union insurance company, Abu Dhabi National insurance company (ADNIC), Dubai insurance company, National General insurance company, Al Ain Ahlia insurance company, Liva insurance company (formerly RSA)
2: Factors to Consider when Choosing Best Insurance
Consider the following factors: network of supported healthcare providers, flexible quotes and add-ons, good customer reviews, flexibility of terms, company’s financial stability
If you still haven’t purchased a car or want to buy another, get fully informed on getting car insurance before buying car to find a good deal.
Best Car Insurance Companies in Sharjah
Lookinsure can help you easily sign an insurance agreement online without the hassle of comparison and direct contact. Some insurance companies in Sharjah are better equipped to meet your demands and have an established reputation. Here we introduce some of the best in no specific order, so you can pick one that suits your needs. Also consider checking the comprehensive vs third party insurance guide to get a detail of their differences in all processes and find lower car insurance prices.
GIG Gulf (Formerly AXA Insurance Company)
GIG Gulf (AXA Insurance Company) is the Middle East branch of an international corporation famous for its comprehensive car insurance solutions.
Their plans include extensive coverage, add-on options, and third-party liability policies. Their annual premiums usually range from AED 1,800 to AED 3,500, depending on the coverage selected and the specifics of your case.
GIG Gulf clients praise it for its 24/7 availability, efficient claims process, and dedicated customer service, which helps resolve claims issues quickly. With a user-friendly online platform, customers can easily manage their policies and access support, making GIG Gulf a leading choice as a car insurance company in Sharjah. By the way, if you’re living in Dubai or go there a lot, try finding a quote from car insurance companies in Dubai to have an easier process.
Sukoon (Formerly Oman) Insurance Company
Sukoon Insurance Company is among the award-winning car insurance companies in Sharjah offering 25 digital services tailored to individual needs, including comprehensive and third-party coverage.
Their pricing typically ranges from AED 1,600 to AED 3,200 annually, depending on the level of coverage, driving history, and vehicle type. Their services include Sharia-based Takaful (risk-sharing insurance) by their Sukoon Takaful branch.
The company focuses on the client’s peace of mind, customer satisfaction, quick claims handling, and extensive support services. Sukoon Insurance is known for its competitive pricing and flexible policy terms, making it one of the cheapest car insurance companies in Sharjah.
Methaq Takaful Insurance
Methaq Takaful Insurance is one of the car insurance companies in Sharjah specializing in Sharia-compliant car insurance products, offering general comprehensive plans and third-party coverage options.
Their policies are designed for those seeking ethical insurance solutions, with annual premiums typically ranging from AED 1,500 to AED 3,000. Their Re-Takaful option offers a robust reinsurance option in partnership with several foreign companies.
Methaq Takaful emphasizes transparency and customer education, ensuring clients understand their coverage. The company is recognized for its commitment to customer satisfaction and efficient claims processing, making it one of the best car insurance companies in Sharjah for residents solely interested in Takaful solutions.
The Oriental Insurance Company Dubai
Oriental Insurance Co. Ltd. is an India-based company. Their UAE affairs are handled by ARMAB Insurance Works LLC., one of the car insurance companies in Sharjah with over 60 years of experience in the region. They offer over 500,000 insurance policies in the region, including car insurance options.
Pricing for their insurance typically ranges from AED 1,600 to AED 3,100 annually. Orient Insurance is well-regarded for its customer service and streamlined claims process, ensuring a hassle-free experience for policyholders in Sharjah.
Their comprehensive package offers a limitless maximum third-party liability coverage under court order and a maximum of AED 200,000 personal accident coverage for each driver and passenger. They also provide fleet comprehensive insurance and motorcycle insurance in the UAE.
Al Sagr National Insurance
Al Sagr Insurance provides a wide range of car insurance options, including comprehensive and third-party policies tailored to the diverse needs of drivers. Their pricing generally falls between AED 1,600 and AED 3,100 annually, depending on the coverage selected.
The company strongly emphasizes customer service, aiming to deliver efficient claims processing and responsive 24/7 support.
Al Sagr Insurance’s commitment to transparency and personalized service enhances the customer experience, positioning them as a solid option for those seeking car insurance companies in Sharjah.
They offer outside agency repair coverage, up to AED 2,000,000 coverage for property, unlimited coverage for bodily injuries, and a one-year no-claims discount. They also offer the option for insurance coverage in Oman for a minimal charge.
They also offer the Orange Card benefit to travel between GCC countries, making them one of the best car insurance companies in Sharjah for travelers who prefer taking personal vehicles on trips.
Emirates Insurance Company
Emirates Insurance Company is a leading provider with over 40 years of experience in the UAE, offering a variety of car insurance policies tailored to meet diverse needs. Eminsco is one of the A-rated car insurance companies in Sharjah with an optimal claim satisfaction record of 99.5%.
Their offerings include both comprehensive and third-party coverage, along with personalized schemes with options for personal accident benefits and damage protection.
Prices typically range from AED 1,500 to AED 3,000 annually, depending on the coverage selected and the vehicle. The company is recognized for its competitive pricing and excellent online customer service, making it a reliable choice for Sharjah residents seeking accessible insurance solutions.
Union Insurance Company
Union Insurance Company is known as one of the most flexible car insurance companies in Sharjah for its extensive range of car insurance products, including comprehensive and third-party liability options. Their policies come with additional benefits such as personal accident coverage and roadside assistance.
Annual premiums generally fall between AED 1,800 and AED 3,200, depending on the level of coverage and the insured vehicle. Union Insurance is committed to customer satisfaction, with a reputation for efficient claims processing and support during emergencies, making it a strong contender among the best car insurance companies in Sharjah.
Abu Dhabi National Insurance Company (ADNIC)
ADNIC provides many car insurance policies, including comprehensive coverage and third-party liability options. Their flexible policies allow customers to choose from various add-ons, such as personal accident and roadside assistance.
Annual premiums for ADNIC plans usually range from AED 1,700 to AED 3,500, depending on the selected coverage and vehicle type. ADNIC is known for its efficient claims handling and strong customer support, making it a reliable choice for Sharjah residents.
Dubai Insurance Company
Dubai Insurance Company is the first national insurance company in the UAE, established in 1971. With one of the best financial ratings among insurance companies in Sharjah, it is recognized for its flexible car insurance solutions, offering both comprehensive and third-party coverage.
Their policies cater to the unique needs of drivers, with annual premiums typically ranging from AED 1,500 to AED 3,000. The company prides itself on quick claims processing and excellent customer service, ensuring minimal hassle during emergencies. Dubai Insurance also provides various discounts for safe driving, enhancing its appeal to budget-conscious customers in Sharjah.
National General Insurance Company
National General Insurance offers a comprehensive range of car insurance policies, including both comprehensive and third-party options. Their claim to be one of the best car insurance companies in Sharjah is backed by over 40 years of experience.
Their pricing generally falls between AED 1,600 and AED 3,200 annually, depending on the coverage level and vehicle specifications. The company is known for its reliable customer service and efficient claims processing, making it a solid choice for those seeking car insurance in Sharjah.
Al Ain Ahlia Insurance Company
Al Ain Ahlia Insurance Company provides a variety of car insurance products, including comprehensive and third-party liability insurance. Their policies are designed to be affordable, with annual premiums typically ranging from AED 1,500 to AED 2,800.
The company emphasizes a straightforward claims process, ensuring that customers can resolve issues with ease. Al Ain Ahlia also offers discounts for safe driving, making their insurance options attractive for budget-conscious drivers in Sharjah.
Liva Insurance (Formerly RSA) Insurance Company
Liva Insurance Company is a reputable provider of car insurance solutions in the UAE, known for its reliability and customer-focused services. It provides one of the highest levels of coverage, even covering taxi fares after an accident.
Orient Insurance Company offers both comprehensive and third-party insurance policies, with annual premiums typically ranging from AED 1,700 to AED 3,400. Their policies include benefits such as roadside assistance and personal accident coverage, providing excellent value. With a streamlined claims process and responsive customer service, Orient Insurance Company is a preferred option for drivers in Sharjah. Additionally, if you reside in Ajman or Abu Dhabi, exploring car insurance providers in those areas can help you make a well-informed decision.
Compare the Best Car Insurance Companies in Sharjah
What are your priorities in choosing the best motor insurance provider? Does the price overshadow the quality of services, or is it worth it?
In the following, we have categorized the mentioned companies. It’s up to you to choose the most compatible. If you are still uncertain, contact your Lookinsure consultant for an in-depth review of the companies you’re interested in.
Sharjah Car Insurance Company Comparison Table
| Company Name | Coverage Options | Price Range (AED) | Key Benefits | Customer Service Rating | Negative Key Points |
| Emirates Insurance Company | Comprehensive, Third-Party | 1,500 – 3,000 | Personal accident benefits, damage protection | 4.5/5 | Limited online services |
| Union Insurance Company | Comprehensive, Third-Party | 1,800 – 3,200 | Roadside assistance, quick claims processing | 4.3/5 | Higher premiums for younger drivers |
| Orient Insurance Company | Comprehensive, Third-Party | 1,600 – 3,100 | Personal accident coverage, efficient claims | 4.4/5 | Claims process can be slow |
| Abu Dhabi National Insurance Company | Comprehensive, Third-Party | 1,700 – 3,500 | Flexible add-ons, strong customer support | 4.6/5 | Limited branch locations |
| Dubai Insurance Company | Comprehensive, Third-Party | 1,500 – 3,000 | Discounts for safe driving, quick claims | 4.2/5 | Less comprehensive coverage options |
| National General Insurance Company | Comprehensive, Third-Party | 1,600 – 3,200 | Reliable customer service, efficient claims | 4.3/5 | Limited customization of policies |
| Al Ain Ahlia Insurance Company | Comprehensive, Third-Party | 1,500 – 2,800 | Straightforward claims process, safe driving discounts | 4.1/5 | Fewer online resources |
| GIG Gulf (AXA) Insurance Company | Comprehensive, Third-Party | 1,800 – 3,500 | 24/7 roadside assistance, user-friendly platform | 4.5/5 | Higher premiums for comprehensive coverage |
| Sukoon (Oman) Insurance Company | Comprehensive, Third-Party | 1,600 – 3,200 | Quick claims handling, extensive support | 4.4/5 | Limited availability of add-ons |
| Liva (RSA) Insurance Company | Comprehensive, Third-Party | 1,700 – 3,400 | Roadside assistance, dedicated customer support, taxi fare coverage | 4.5/5 | Claims process can be complicated |
| Methaq Takaful Insurance | Comprehensive, Third-Party | 1,500 – 3,000 | Sharia-compliant solutions, transparency | 4.3/5 | Limited options for non-Muslim customers |
| Al Sagr Insurance | Comprehensive, Third-Party | 1,600 – 3,100 | Personalized service, efficient claims processing | 4.2/5 | Fewer discounts available |
How to Choose the Best Insurance Companies in Sharjah?
The best car insurance companies in Sharjah can be determined by comparing key qualities such as:
- Network of supported healthcare providers, offering better accessibility in case of bodily injuries
- Customizable schemes and an extensive range of add-on options such as specialist treatment coverage and claims for emergency services fees
- Customer reviews regarding 24/7 support, and especially the results of claims handling.
- Flexibility of terms, the insurer should allow alteration of terms and conditions based on the client’s evolving needs
- The financial stability of the company. It can be assessed based on experience, partnerships with other financial institutions, and management of multiple-person claims cases.
Just to make your information more complete, take a look at insurance garages available to you as part of insurance services.
How to Buy Best Vehicle Insurance Sharjah Via Lookinsure
Lookinsure provides multiple quotes from a variety of trusted insurance providers in the UAE. This allows you to compare prices and coverage details in a single platform without the need to contact the providers directly.
In addition, Lookinsure offers personal assistance in choosing the best car insurance companies in Sharjah that help you balance the premium cost with the coverage option. The purchase process is also streamlined, eliminating the need for paper forms and a physical trip to the provider. If you’re curious, check out to see why is car insurance mandatory in Dubai and you’ll see why it makes sense.
