Best Car Insurance Companies in UAE – 2025 Guide
Oct 8, 2025
When it comes to driving in the UAE, having car insurance isn’t just a smart choice—it’s the law. Whether you’re a new driver, a longtime resident, or an expat, the right insurance policy protects you from unexpected expenses and ensures peace of mind. However, with so many providers in the market, how then do you know which is truly the best?
This guide examines the top car insurance companies in the UAE, the criteria that distinguish them, and why Kamal Insurance has earned a spot among the most trusted providers.
Why Choosing the Right Car Insurance Provider Matters
The UAE has a dynamic driving environment, from bustling city streets to desert highways. Accidents, breakdowns, and unexpected damages can occur at any time. Choosing a trusted car insurance UAE provider ensures:
- Compliance with the UAE’s legal requirements
- Financial protection from repair costs and liabilities
- Access to roadside assistance and emergency services
- Hassle-free claims processing
- Digital tools for policy management and instant coverage
Criteria for Evaluating the Best Car Insurance Companies in the UAE
Before shortlisting your options, consider these key factors:
| Criteria | What to Look Out For |
|---|---|
| Coverage Type | Comprehensive for full protection, or third-party for basic liability coverage |
| Affordability & Transparency | Competitive premiums without hidden fees |
| Customer Service | 24/7 support, fast claims processing |
| Digital Capabilities | Online quotes, instant policy issuance, mobile app access |
| Reputation | Positive customer reviews, regulatory compliance |
| Extra Benefits | Discounts, loyalty programs, GCC or Oman coverage, add-ons |
Top Car Insurance Companies in UAE (2025)
Below is a consolidated list of some of the most trusted car insurance companies in the UAE in 2025, offering a range of coverage options, digital tools, and customer-friendly services.
- Kamal Insurance
- Liva Insurance (formerly RSA Insurance)
- Sukoon Insurance
- Watania Takaful
- Salama Takaful
- GIG Gulf Car Insurance (also known as AXA Insurance)
- Al Sagr Insurance
- Orient Insurance (Part of Al-Futtaim Group)
- Abu Dhabi National Insurance Company (ADNIC)
- Adamjee Insurance
- Al Fujairah National Insurance Company (AFNIC)
- Dubai Insurance Company (DIC)
- Tokio Marine & Nichido Fire Insurance
- Qatar Insurance Company (QIC)
- Union Insurance Company
- Dubai Islamic Insurance & Reinsurance Company (AMAN)
- Arabian Scandinavian Insurance Company (ARASCO)
- Al Buhaira National Insurance Company
Spotlight: Why Kamal Insurance Stands Out
While many top car insurance providers offer both comprehensive and third-party coverage, Kamal Insurance focuses exclusively on third-party car insurance in the UAE—perfect for budget-conscious drivers who want simplicity, speed, and compliance without the extra costs of full coverage.
What Makes Kamal Insurance Unique:
- 100% Paperless – Buy, renew, and manage your policy online in minutes
- Instant Policy Issuance – Integrated with UAE traffic systems for same-day activation
- Transparent Pricing – No hidden fees, competitive rates
- Expert Heritage—Backed by Liva with 60+ years of experience in UAE insurance
- Customer Support—Quick, efficient, and digital-first service
Whether you’re renewing your car registration or buying your first UAE car insurance policy, Kamal ensures a fast, stress-free experience.
How to Choose the Best Car Insurance Company for Your Needs
- Assess Your Coverage Needs – Luxury cars, off-road driving, or high-value vehicles may need comprehensive insurance. Budget cars may only need a third-party.
- Compare Quotes Online – Use digital tools to compare car insurance companies in the UAE and find the best deal.
- Read Customer Reviews – Look for feedback on claims speed, service quality, and transparency.
- Check Policy Terms—Understand exclusions and limitations before buying.
- Evaluate Add-ons—Decide if you need extras like roadside assistance, GCC cover, or rental car benefits.
Final Thoughts
The UAE offers a variety of top car insurance providers, each catering to different needs—from high-end comprehensive plans to affordable third-party policies. Your best choice will depend on your budget, driving habits, and the level of coverage you need.
For drivers who value affordability, speed, and convenience, Kamal Insurance delivers one of the best digital third-party car insurance experiences in the UAE.
Get your instant online quote today and drive with peace of mind knowing a trusted name in UAE insurance backs you.
Frequently Asked Questions
1. What’s the minimum car insurance requirement in the UAE?
At least third-party liability insurance is mandatory for all vehicles.
2. Is comprehensive car insurance worth it?
Yes, if your car is new or high-value, or you want maximum protection against damages and theft.
3. Can I buy car insurance online in the UAE?
Absolutely—providers like Kamal Insurance let you buy, renew, and manage policies completely online.
