Methaq
ComprehensiveTakaful
Features and Benefits
24/7 Roadside assistance
Buy car insurance in the UAE, actually online
Pay in 4 months with
And
Compare car insurance quotes in Dubai and the UAE from leading insurance companies. Check third-party and comprehensive coverage, compare flexible payment options, and pay in installments with Tabby or Tamara.
Why
is a smart choice?
1Get covered
Compare car insurance coverage in Dubai from third-party and comprehensive plans to useful add-ons.
+30 coverages to choose
Natural disaster coverage
Oman extension cover
Vehicle replacement
24/7 Roadside assistance
Whyis a smart choice?
1Get covered
Compare car insurance coverage in Dubai from third-party and comprehensive plans to useful add-ons.
Natural disaster coverage
Oman extension cover
Vehicle replacement
24/7 Roadside assistance
+30 coverages to choose
2In safe hands
Compare car insurance in Dubai and the UAE online. See prices first, choose the right coverage, and buy your policy without spam calls, with real support available when you need it.
No spam calls
Everything
actually online
Real help, right when
you need
See prices first
Get insured in less than 1 minute
3By choice
Car insurance prices in the UAE can change based on your car, driver profile, cover type, claims history, and insurer pricing. Instead of relying on a generic estimate, compare live quotes for your vehicle so you can see the price and cover together.
MethaqComprehensive
Features and Benefits
24/7 Roadside assistance
RAKComprehensive
Features and Benefits
16 Free car washes
Tokio MarineComprehensive
Features and Benefits
Car Rental (20 Days)
OrientComprehensive
Features and Benefits
Oman coverage
Car insurance companies you can compare on Lookinsure
Thousands of policies. One customer at a time.
Get Quote Now
4.5
Based on Google reviews
Hassan Zeb
Sharjah
I had a great experience with Lookinsure Car Insurance. The process was hassle-free from getting a quote to finalizing my coverage. Their team is responsive, helpful, and truly professional.
Clear & Simple
Hamza zarour
Dubai
They actually work 24/7! I forgot to renew my car insurance on time, at the very last moment (11:55 PM) I was skeptical and simply paid premium online. in 5-10 minutes time, everything is perfectly done.
24/7 Support
Ankur Garg
Ras Al-Khaimah
Getting a car insurance quote is fast and easy, Mr Faisal is very helpful and well guided. He helped me get the best and most affordable car insurance. Lots of thanks to Mr. Faisal. :)
Actually Affordable
Sreejith Erinjikattil
Ras Al-Khaimah
They are providing very good service in terms of new insurance policies. They are giving very good price with different insurance providers. They are also providing very flexible payment plans like tabby and Tamara and gift card.
4 Installments
Nijam Mannil
Sharjah
I recently purchased my car insurance from Lookinsure, and Ms.Thamanna assisted me. She was very helpful, professional, and guided me step by step, making everything smooth and easy. I truly appreciate the support.
Guided Every Step
Ashik Cheppilatt
Sharjah
Excellent Customer Service... Ms. Manel was Very Helpful, She Assisted Me to Find the Best Policy and She did All the Process Quickly, Ms. Manel's Performance is Really Appriciated.
Helpful Experts
Supported users+150k
Car models we cover1.6k
Insured at scaleWe look into each car owner’s needs, carefully.
Car’s insured+50K
Insurance providers+30
Car Insurance in Dubai, UAE
Anyone owning a personal vehicle must be familiar with car insurance and its vital importance. However, not everyone knows much beyond the fact that it is a legal requirement.
The concept of car insurance UAE citizens are familiar with needs to be broadened. There are many things to learn about it, from the available types of motor insurance Dubai to the different ways of getting car insurance online discounts and the factors involved in determining the cost of each customer’s premium, all of which can be accessed in the following sections.
Car insurance has been around for over a century. The first policy was issued in 1897 in the United Kingdom, just a few years after the invention of the automobile. As cars became more popular, so did accidents, which created the need for financial protection against potential damages. That’s when motor insurance companies began offering car coverage so drivers wouldn’t have to pay out of pocket for damages or injuries caused by accidents.
Today, car insurance is a must for drivers all around the world. The mandatory nature of car insurance UAE and many other countries have established makes driving without one illegal. But aside from being a legal requirement, car insurance is also a smart way to protect yourself, your car, and others on the road. Simply put, it’s an agreement between you and the insurance company. You pay a premium (a set amount), and the insurer helps cover the cost if your car gets damaged, stolen, or if you cause an accident.
Whether you live in Dubai, Abu Dhabi, or any other emirate, having the right car insurance in Dubai UAE keeps you financially safe and gives you peace of mind.
As mentioned above, getting car insurance does more than just make your car road legal. Any car insurance UAE companies offer has practical benefits, making it essential for every driver. These benefits include:
Financial Protection
Regardless of how careful you are, accidents can happen anytime because there is no guarantee that all other drivers on the road are as cautious as you are. With Auto insurance UAE, drivers can prepare themselves for precisely such situations.
Moreover, with a basic policy, if you get into an accident and damage another person’s vehicle, you won’t be financially responsible for the damages, medical bills, or repairs alone; the insurer helps cover those costs.
Personal Accident Cover
Injuries suffered by a third party will be covered by your normal third-party liability policy when you are at fault; however, this is not the case if, God forbid, you are injured in the accident. You must purchase a personal accident cover (PA) as an add-on. This add-on guarantees financial coverage in the event of an injury and can be extended to passengers.
Fire and Theft Protection
Depending on your policy, your insurance may also cover fire damage and car theft, giving you peace of mind even when you're not on the road. This option, the most desirable feature for many drivers, especially those with expensive vehicles or no parking, is included in comprehensive policies and available as an add-on for third-party insurance.
Roadside Assistance
This is a common add-on feature that’s super helpful if your car breaks down or you get a flat tire on the road, especially considering how towing services take advantage of drivers stranded in the desert with no other options. It’s just one of the many ways vehicle insurance in UAE supports you beyond the accident.
Like any other purchase, car insurance UAE policies have become easier to buy with the advent of online shopping services. Such as Lookinsure, where finding the best car insurance UAE drivers can get is only a few clicks away. Here are some of the benefits of choosing Lookinsure for your purchase:
100% Online Process
Lookinsure makes it simple to Buy Car Insurance Online from the comfort of your home. There is no paperwork, no long queues— you can get car insurance quotes fast and easy.
Instant Access to Multiple Vehicle Insurance UAE Quotes
Why contact each provider individually when you can compare car insurance simultaneously? Lookinsure gives you quotes from top insurers in the UAE in a few seconds. All you need to do is enter your car’s information, and that’s it.
Flexible Installment Plans
Lookinsure’s partnership with some of UAE’s top buy-now-pay-later services, such as Tabby and Tamara, allows customers to pay for their policies in installments instead of all at once. This will hopefully help you manage your budget while still getting good motor insurance Dubai coverage.
Dedicated Customer Support
In a field like car insurance online, where quick action can sometimes save someone thousands of dirhams, customer service is of the utmost importance. That is why Lookinsure has focused on building a tight group of dedicated personnel available 24/7 to respond to customers' requests.
Car insurance in the UAE comes in two different types which are different in what they cover and how much they cost. Here is an overall breakdown of these two main types:
Comprehensive Insurance
A comprehensive car insurance policy not only covers third-party damages; it also offers financial compensation for damages to your own vehicle. Due to the increased coverage, these policies naturally cost more than a basic TPL plan.
Who Is It Good For?
A comprehensive policy is best for those with a brand-new vehicle or valuable cars, although generally it is recommended for anyone who can afford it, as nothing beats being compensated for damages to your car even when you are at fault!
Third-Party Liability Insurance
This is the most basic and the cheapest car insurance in the UAE. With a third-party liability or TPL policy, your insurance will cover any damages cause by you to another vehicle or individual.
Who Is It Good For?
A TPL insurance policy is the best choice for drivers who just want to fulfill the legal obligation of insuring their car, which as you should know is mandatory for ALL CARS.
Add-ons are extra protection you can pay for in order to make your TPL or comprehensive policy more enhanced and personalized. Here are some of the most popular add-ons you can consider during your next renewal:
Roadside Assistance
If you add roadside assistance to your policy, you can count on your insurance provider the next time you are stranded by the road due to mechanical issues. This add-on covers services from towing to jump starts (within certain geographical limits).
Replacement Car
As the name suggests, with this add-on you will be given a replacement car if your own vehicle is in the garage undergoing repairs. Of course, there are certain conditions that must be met as well as time limitations.
GCC Coverage
Many drivers in the UAE like to be able to travel to other GCC countries, which requires its own insurance. With this add-on, you can travel to all GCC countries just by relying on your own policy.
Off-Road Coverage
Off-roading is a pretty common pastime activity in the UAE, but it can be expensive as well, considering how expensive some of those SUVs are and how dangerous it can be. This add-on covers the cost of damages caused during your desert escapades.
Natural Disaster Coverage
This add-on protects your vehicle against damage caused by natural events such as floods, sandstorms, and other extreme weather conditions that are typically excluded from standard policies.
Personal Accident Cover
With this add-on, you and your passengers receive additional financial protection in case of injury or death resulting from a car accident, offering extra peace of mind beyond basic motor coverage.
Takaful is a Shariah-compliant alternative to conventional car insurance in UAE, designed to align with Islamic principles. While coverage is often similar, the structure and philosophy differ in key ways.
How Takaful Differs from Conventional Car Insurance
Risk-sharing vs. risk transfer
Policyholders contribute to a shared pool that covers members’ losses, rather than transferring risk to the insurer.
Shariah compliance
Avoids riba (interest), gharar (excessive uncertainty), and maysir (gambling).
Participant-owned fund
Contributions are treated as donations (tabarru’) to help fellow members.
Surplus distribution
Any excess funds may be redistributed to participants or retained for future claims.
Ethical investment
Funds are invested only in Shariah-approved activities.
Similar coverage options
Comprehensive and third-party coverage are typically available, much like regular insurance.
The cheapest car insurance in UAE is usually third-party coverage. It’s affordable and takes care of the legal side of things for you. However, as mentioned, it doesn’t cover damages to your vehicle.
The price of a third-party liability policy differs depending on the vehicle and the driver. So, naturally, cheap cars with safe drivers are bound to have a considerably lower premium than expensive ones with young drivers.
Here is a list of prices for insuring a 2025 Nissan Kicks with the value of approximately AED 65,000:
| Insurance Company | Comprehensive (AED) | Third-Party Liability (TPL) (AED) |
|---|---|---|
| Orient Insurance | 1,899.24 | - |
| Adamjee Insurance | 2,075 | 1,300 |
| Emirates Insurance Company | 2,120 | 1,015 |
| Salama | 2,390.2 | 1,700 |
| Orient Insurance (Agency) | 3,636.98 | - |
| Tokio Marine | 3,832 | 1,086 |
| Methaq | - | 850 |
| Fidelity United | - | 850 |
| Al Sagr National Insurance | - | 1,200 |
Third-party car insurance is the minimum legal requirement in Dubai. It covers damage you cause to others but not your own vehicle, making it a cost-effective option.
Why Choose Third-Party Insurance?
Lowest premiums on the market
Meets UAE legal requirements
Ideal for older or low-value cars
Drawbacks to Know
No coverage for your own car
No theft or natural disaster protection
Limited overall protection
That said, you can upgrade third-party insurance with add-ons, creating a more flexible car insurance Dubai plan without paying comprehensive-level prices.
Determining the cost of car insurance UAE is about gauging the risk, which means determining how likely each driver is to get into an accident. The higher the risk, the higher the cost. Now, how do they find this out?
As mentioned above, the driver’s age and the price of the car are two of the most important factors in determining the cost of insurance. But there is more to it than that. Below is a list of every deciding factor and an explanation of why they matter.
Driver’s Age and Experience
Younger drivers or those with less experience usually pay higher premiums. This is because they’re seen as more likely to have accidents due to a lack of knowledge and the fact that young people are generally more prone to rash and risky behaviors.
Driving Record
If you’ve had a lot of accidents or traffic fines, insurers may charge you more because that indicates a higher possibility of future accidents. On the other hand, a clean driving history can help lower your costs.
Car Type and Age
Luxury and high-performance cars are more expensive to insure simply because their repair costs are higher. And naturally, older cars may be cheaper to insure. On the other hand, modern, high-end cars, which are usually equipped with top-of-the-line safety technologies, are generally safer, a feature that can cause a decrease in premiums.
Location
If you live in a busy area like Dubai with heavy traffic where accidents are more likely to occur, your premium may be higher than someone living in a quieter place with less traffic.
While there is not much discrepancy between the cost of motor insurance Dubai offered by different providers, which might compel inexperienced drivers to go with the first insurer, the degree of reliability differs. And that’s why it is important to choose your insurance provider wisely.
Here are some popular insurance companies offering the best motor insurance in UAE, including some shariah-compliant options, which are the right choice for those concerned with the religious aspects of insurance:
Orient Insurance
AXA Gulf
RSA Insurance
Union Insurance
Noor Takaful
Watania Insurance
Using Lookinsure, you can find and compare car insurance online from these providers and more. It only takes a few minutes to see offers that match your needs and budget.
The information above can give you a good general gist about motor insurance UAE, but it’s nowhere near a complete guide. Much other detailed information is only available on your personalized insurance document or your insurance provider’s brochure.
Additional information about car insurance that UAE drivers must know can be found below.
Car insurance is mandatory by law, and every car must have at least a third-party liability insurance.
Car insurance policies are transferable in the UAE between vehicles, provided that there is a considerable amount of time left on the policy (at least 9 months).
Foreign drivers are liable to be quoted higher premium rates as their unfamiliarity with the language and culture might indicate a greater chance of accidents.
Moreover, a typical comprehensive vehicle insurance UAE usually includes the following:
Own Damage Cover
Protects your vehicle from damage due to accidents, theft, fire, etc.
Third-Party Liability
Covers damage or injury to others caused by your vehicle.
Natural Disasters
Covered under comprehensive policies or add-ons.
Off-Road and GCC Coverage
Optional, great for specific needs.
NOTE:Since each policy might differ in details, it is important not to rely on general information such as that provided in this article. Instead, refer to your insurance document or contact your provider for details.
While the cost of car insurance Dubai companies offer is set so that anyone who can afford a car can also afford the best motor insurance in UAE, premium prices have been rising steadily over the past few years, which makes finding cheaper deals very important. Here are some of the ways you can lower your car insurance costs:
Compare Car Insurance Online
Everyone knows that you shouldn’t buy anything from the first store you visit, and it is always a good idea to get a quote from multiple providers regardless of what you want to buy. This has become pretty easy with online insurance aggregators and can help you find the best deals.
Maintain a Clean Driving Record
As mentioned above, safe drivers who are less likely to get into an accident usually get lower premiums. So if you can manage to keep your driving record clean, you will be able to enjoy this advantage.
Choose the Right Coverage
Don’t overpay for coverage you don’t need. (Sometimes, a third-party policy plus one specific but much-needed add-on can cost less than a comprehensive policy with many irrelevant add-ons.)
Opt for Higher Deductibles
A deductible is the amount of money you pay out of your pocket in the event of an accident. Agreeing to pay more out-of-pocket during a claim can lower your premium. This is a perfect option for those who have few accidents and need cheap car insurance to comply with the law.
While what was mentioned above can help you get the best deals on car insurance UAE, there are many other ways to save money—even on policies that already seem competitively priced.
If you’re looking for discounts or cheap car insurance that still offers solid coverage, try the following tips:
Compare Between Different Plans
Always compare multiple car insurance plans before committing. Premiums, coverage limits, add-ons, and exclusions can vary significantly between insurers, and comparing options helps you find the best value for your budget.
No Claims Bonus (NCB)
If you complete your policy period without filing any claims, you become eligible for a discount on your next policy. Each claim-free year increases this discount, which can reach up to 50%. The best part is that your NCB usually remains valid even if you switch providers.
Bundle Policies
If you insure more than one car or have other assets like property, choosing a single insurer for all policies can unlock attractive bundle discounts.
Pay Annually Instead of Monthly
Although monthly payment plans are convenient, they often come with added costs. Paying your premium annually is usually cheaper overall.
Take Advantage of Temporary Discounts
Many insurers offer limited-time promotions during events like UAE National Day or religious holidays, which can significantly reduce your premium if timed right.
Comparing quotes is one of the most effective ways to find the best deal on a car insurance policy. Since contacting insurers one by one is time-consuming and outdated, most drivers now rely on online comparison platforms to review multiple options at once.
These platforms typically follow a simple process, allowing you to:
Enter your vehicle and personal details
View quotes from multiple insurance providers
Compare coverage limits, prices, and available add-ons
Using an online comparison tool helps you quickly identify the best-value car insurance option without compromising on coverage, making it easier to choose a policy that suits both your needs and budget.
Buying or renewing car insurance in the UAE requires basic documents to verify you and your vehicle, with slight differences for pre-owned or renewed policies.
Buying Car Insurance Online
For Expats:
When buying car insurance online, expats generally need the following car insurance documents for expats:
Passport with valid UAE residence visa
UAE driving license
Emirates ID
Vehicle registration card (Mulkiya) or ownership transfer documents for pre-owned cars
Recent vehicle inspection certificate and photos of the car
Bank approval or LPO if the car is financed
Additional company documents if the vehicle is registered under a business name
Vehicle quotation and clearance certificate if the car is brand-new
For Locals:
Local UAE citizens typically need:
UAE driving license
Emirates ID
Vehicle registration card (Mulkiya)
Recent vehicle inspection and photos (for pre-owned cars)
Vehicle quotation and release certificate for brand-new cars
Bank approval if the car is financed
Company documents if registered under a corporate entity
Renewing Car Insurance Online
For Expats:
To renew your car insurance, expats usually need:
UAE driving license
Emirates ID or valid visa copy
Vehicle registration card (Mulkiya)
Recent vehicle inspection and photos if the previous policy has expired
Updated inspection and photos when upgrading from third-party to comprehensive coverage
Company-related documents if the car is registered under a business entity
For Locals:
UAE citizens renewing their insurance generally require:
UAE driving license
Emirates ID
Vehicle registration card (Mulkiya)
Recent vehicle inspection and updated photos if upgrading coverage
Company documents if the vehicle is registered under a corporate name
Note:Certain providers may request additional verification documents, especially for corporate-registered vehicles or specialized policies.
Your car insurance is only 1 minute away.
Insurance. Easier. Smarter.
CERTIFIED BY
Government of Dubai
Frequently Asked Questions
Basics
Pricing
Buying
Coverage
Car insurance is a policy that protects you financially if your car is involved in an accident, theft, fire, or another covered event. In the UAE, valid car insurance is also required before you can register or renew your vehicle.
Yes. Every vehicle driven in the UAE must have valid car insurance. The minimum required cover is third-party liability insurance, which covers damage or injury caused to others. Driving without valid insurance can lead to fines, black points, vehicle impoundment, and personal responsibility for accident costs.
The two main types are third-party car insurance and comprehensive car insurance. Third-party insurance covers damage or injury caused to others. Comprehensive insurance offers wider protection and can also cover damage to your own car.
Third-party insurance covers damage, injury, or death caused to others, but it does not cover damage to your own vehicle. Comprehensive insurance includes third-party liability and can also protect your own car against covered risks such as accidents, theft, fire, and natural disasters.
The best car insurance depends on your car value, budget, driving habits, and how much protection you want. Third-party insurance may suit drivers who only need the legal minimum, while comprehensive insurance is usually better for newer, financed, higher-value, or frequently used cars.
I had a great experience with Lookinsure Car Insurance. The process was hassle-free from getting a quote to finalizing my coverage. Their team is responsive, helpful, and truly professional.
They actually work 24/7! I forgot to renew my car insurance on time, at the very last moment (11:55 PM) I was skeptical and simply paid premium online. in 5-10 minutes time, everything is perfectly done.
Getting a car insurance quote is fast and easy, Mr Faisal is very helpful and well guided. He helped me get the best and most affordable car insurance. Lots of thanks to Mr. Faisal. :)
They are providing very good service in terms of new insurance policies. They are giving very good price with different insurance providers. They are also providing very flexible payment plans like tabby and Tamara and gift card.
I recently purchased my car insurance from Lookinsure, and Ms.Thamanna assisted me. She was very helpful, professional, and guided me step by step, making everything smooth and easy. I truly appreciate the support.
Excellent Customer Service... Ms. Manel was Very Helpful, She Assisted Me to Find the Best Policy and She did All the Process Quickly, Ms. Manel's Performance is Really Appriciated.