Car insurance is mandatory for all vehicle owners in the UAE. Whether you drive a saloon car, SUV, or luxury vehicle, understanding car insurance prices can help you choose the right coverage and save money.
In this guide, we explain the latest car insurance prices in the UAE, including third-party and full insurance costs, factors affecting premiums, and tips to get the best deal.
What Is the Average Car Insurance Price in the UAE?
The cost of car insurance in the UAE varies depending on the type of vehicle, coverage, and driver profile. However, for most saloon cars, the starting prices are:
- Third-party insurance: starts from AED 630
- Full (comprehensive) insurance: starts from AED 1,350
These prices are indicative and may vary based on the car model, year, and driver history.
Third Party Car Insurance Price in UAE
Third-party car insurance is the minimum legal requirement in the UAE. It covers damages caused to other vehicles, property, or people but does not cover repairs to your own car.
Typical Third Party Insurance Costs:
- Saloon cars: from AED 630
- SUVs: from AED 750 to AED 1,200
- Luxury cars: from AED 1,500 and above
Who Should Choose Third Party Insurance?
- Owners of older cars
- Drivers looking for budget-friendly insurance
- Vehicles with low market value
Full (Comprehensive) Car Insurance Price in UAE
Full insurance provides wider coverage, including damage to your own vehicle, theft, fire, and natural disasters.
Typical Full Insurance Costs:
- Saloon cars: from AED 1,350
- SUVs: from AED 2,000 to AED 4,500
- Luxury cars: from AED 6,000 and above
Who Should Choose Full Insurance?
- Owners of new or financed cars
- High-value vehicles
- Drivers who want maximum protection
Third Party vs Full Insurance: Key Differences
| Feature | Third Party Insurance | Full Insurance |
|---|---|---|
| Covers damage to others | Yes | Yes |
| Covers your own vehicle | No | Yes |
| Theft and fire cover | No | Yes |
| Natural disaster cover | No | Yes |
| Starting price (saloon) | AED 630 | AED 1,350 |
Factors That Affect Car Insurance Price in UAE
Several factors influence car insurance premiums in the UAE:
- Vehicle type and value
- Driver age and experience
- Accident history and no-claim discount (NCD)
- Coverage type and add-ons
- Emirate of registration (Dubai, Sharjah, Abu Dhabi, etc.)
Tips to Get Cheaper Car Insurance in UAE
- Compare multiple insurance quotes
- Maintain a good driving record
- Choose the right coverage for your car value
- Ask for no-claim discounts
- Work with a trusted insurance provider
Why Choose CoverDesk.ae for Car Insurance?
CoverDesk.ae is a UAE-based car insurance provider offering competitive rates and fast service.
- Third-party insurance from AED 630
- Full insurance from AED 1,350
- Quick quotes and professional support
- Coverage available across all Emirates
Our team helps you find the best car insurance plan based on your budget and needs.
Get a Free Car Insurance Quote Today
If you are looking for affordable car insurance in the UAE, contact CoverDesk.ae today.
Visit: www.coverdesk.ae
Get your personalized quote in minutes and drive with confidence.