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Car Insurance in UAE

Compare 12 providers — comprehensive & TPL — updated May 2026

Your Car Details

Original valueAED 80,000
Car age2 years
Insured valueAED 57,800

12 providers match

Quick tips

  • TPL is the legal minimum — AED 500 fine if uninsured
  • Comprehensive = own damage + third party
  • Agency repair = dealer workshop, not garages
  • No-claims discount up to 20% for clean record
  • Cars over 5 years: agency repair usually not available
  • Off-road cover: essential for 4WDs in the desert
12 results · ComprehensiveSorted by lowest premium
AW
Al Wathba National InsuranceBest Rate

Settlement: 3–5 days · NCB discount: up to 20%

Comp Rate

1.65% p.a.

TPL Annual

AED 700

Min Premium

AED 900

Max Car Age

10 years

Base Premium

AED 954

You Pay

AED 954/yr

Monthly (~)

AED 79

Lowest comp rateNCB up to 20%Home + car bundle discountUAE National specialist
Get Quote →
RI
RAK Insurance

Settlement: 4–6 days · NCB discount: up to 20%

Comp Rate

1.68% p.a.

TPL Annual

AED 710

Min Premium

AED 900

Max Car Age

12 years

Base Premium

AED 971

You Pay

AED 971/yr

Monthly (~)

AED 81

vs Best

+AED 17/yr

Northern Emirates focusLow rateNCB 20%Affordable TPL
Get Quote →
NI
National Insurance (NIC)

Settlement: 3–5 days · NCB discount: up to 20%

Comp Rate

1.72% p.a.

TPL Annual

AED 720

Min Premium

AED 950

Max Car Age

12 years

Base Premium

AED 994

You Pay

AED 994/yr

Monthly (~)

AED 83

vs Best

+AED 40/yr

Competitive rateWide garage networkRoadside 24/7No-claims bonus
Get Quote →
SI
Salama Islamic InsuranceIslamic

Settlement: 3–5 days · NCB discount: up to 15%

Comp Rate

1.72% p.a.

TPL Annual

AED 730

Min Premium

AED 950

Max Car Age

10 years

Base Premium

AED 994

You Pay

AED 994/yr

Monthly (~)

AED 83

vs Best

+AED 40/yr

Takaful (Islamic)Sharia-compliantFamily takaful bundleProfit sharing
Get Quote →
OI
Oman Insurance (Sukoon)Best CoverAgency repair

Settlement: 3–5 days · NCB discount: up to 20%

Comp Rate

1.7% p.a.

TPL Annual

AED 720

Min Premium

AED 1,000

Max Car Age

12 years

Base Premium

AED 1,000

You Pay

AED 1,000/yr

Monthly (~)

AED 83

vs Best

+AED 46/yr

Agency repairQuick claim settlementFleet discounts30-day grace period
Get Quote →
NT
Noor TakafulIslamic

Settlement: 3–5 days · NCB discount: up to 15%

Comp Rate

1.75% p.a.

TPL Annual

AED 740

Min Premium

AED 980

Max Car Age

10 years

Base Premium

AED 1,011

You Pay

AED 1,011/yr

Monthly (~)

AED 84

vs Best

+AED 58/yr

Takaful (Islamic)Sharia-compliantDigital policyQuick claims
Get Quote →
DI
Dubai Insurance

Settlement: 3–5 days · NCB discount: up to 15%

Comp Rate

1.78% p.a.

TPL Annual

AED 740

Min Premium

AED 1,050

Max Car Age

10 years

Base Premium

AED 1,050

You Pay

AED 1,050/yr

Monthly (~)

AED 88

vs Best

+AED 96/yr

Local Dubai expertiseFast claim processingOnline renewalFlexible payment
Get Quote →
RI
RSA InsuranceAgency repair

Settlement: 2–4 days · NCB discount: up to 20%

Comp Rate

1.8% p.a.

TPL Annual

AED 750

Min Premium

AED 1,100

Max Car Age

10 years

Base Premium

AED 1,100

You Pay

AED 1,100/yr

Monthly (~)

AED 92

vs Best

+AED 146/yr

30+ approved garages24/7 claims lineWindscreen coverPersonal accident cover
Get Quote →
ADN
ADNICAgency repairOff-road

Settlement: 2–3 days · NCB discount: up to 20%

Comp Rate

1.8% p.a.

TPL Annual

AED 760

Min Premium

AED 1,100

Max Car Age

10 years

Base Premium

AED 1,100

You Pay

AED 1,100/yr

Monthly (~)

AED 92

vs Best

+AED 146/yr

Abu Dhabi specialistOff-road coverAgency repairOnline self-service
Get Quote →
A/
AXA / GIG GulfTop PickAgency repairOff-road

Settlement: 2–3 days · NCB discount: up to 20%

Comp Rate

1.75% p.a.

TPL Annual

AED 750

Min Premium

AED 1,200

Max Car Age

10 years

Base Premium

AED 1,200

You Pay

AED 1,200/yr

Monthly (~)

AED 100

vs Best

+AED 246/yr

Agency repair optionCourtesy carOff-road coverInternational roadside
Get Quote →
OI
Orient InsuranceAgency repair

Settlement: 3–5 days · NCB discount: up to 20%

Comp Rate

1.85% p.a.

TPL Annual

AED 780

Min Premium

AED 1,200

Max Car Age

10 years

Base Premium

AED 1,200

You Pay

AED 1,200/yr

Monthly (~)

AED 100

vs Best

+AED 246/yr

Agency repair guaranteedNatural disaster coverDepreciation waiverFree towing
Get Quote →
TM
Tokio MarineAgency repair

Settlement: 2–3 days · NCB discount: up to 20%

Comp Rate

1.9% p.a.

TPL Annual

AED 800

Min Premium

AED 1,300

Max Car Age

8 years

Base Premium

AED 1,300

You Pay

AED 1,300/yr

Monthly (~)

AED 108

vs Best

+AED 346/yr

Japan quality standardsAgency repair onlyDepreciation waiver0 excess option
Get Quote →
Disclaimer: Premiums are indicative estimates based on published rates. Actual premium depends on driver age, claims history, car model, and insurer underwriting. Always get a formal quote before purchasing. Full disclaimer

Official data sources

Last refreshed May 2026
Insurance Authority UAEUAE Central Bank

Car insurance data sourced from official UAE government and institutional websites. Rates are indicative — always verify directly with the institution before applying.

Full disclaimerReport incorrect data
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