富衛汽車保險（香港） FWD Hong Kong
HK$2800 /年
- 封面類型: 綜合的
- 來自（年度）: 每年2,800港元起
- 非上市債券獎金: 高達 60%
- 主要特點: 線上理賠流程
Compare Car Insurance in Hong Kong
Compare the top car insurance providers in Hong Kong — see cover, features and typical rates side by side.
Live offers
18 live offers compared from 14 providers, from HK$2800 /年. Updated daily.
QBE汽車保險（香港） QBE Insurance HK
HK$2800 /年
- 封面類型: 綜合的
- 來自（年度）: 每年2,800港元起
- 非上市債券獎金: 高達 60%
- 主要特點: 經濟實惠的汽車保險
AXA汽車保險（香港） AXA Hong Kong
HK$3000 /年
- 封面類型: 綜合的
- 來自（年度）: 每年港幣3,000元起
- 非上市債券獎金: 高達 60%
- 主要特點: 無索賠獎勵保護
中銀香港汽車保險 Bank of China HK
HK$3000 /年
- 封面類型: 綜合的
- 來自（年度）: 每年港幣3,000元起
- 非上市債券獎金: 高達 60%
- 主要特點: 銀行支持的保險公司
宏利汽車保險（香港） Manulife HK
HK$3000 /年
- 封面類型: 綜合的
- 來自（年度）: 每年港幣3,000元起
- 非上市債券獎金: 高達 60%
- 主要特點: 靈活的保單條款
MSIG 汽車保險（香港） MSIG HK
HK$3000 /年
- 封面類型: 綜合的
- 來自（年度）: 每年港幣3,000元起
- 非上市債券獎金: 高達 60%
- 主要特點: 值得信賴的汽車保險
蘇黎世汽車保險香港 Zurich Hong Kong
HK$3000 /年
- 封面類型: 綜合的
- 來自（年度）: 每年港幣3,000元起
- 非上市債券獎金: 高達 60%
- 主要特點: 全天候故障救援
友邦汽車保險香港 AIA HK
HK$3200 /年
- 封面類型: 綜合的
- 來自（年度）: 每年港幣3,200元起
- 非上市債券獎金: 高達 60%
- 主要特點: 提供免費代步車
香港恆生汽車保險 Hang Seng Bank
HK$3200 /年
- 封面類型: 綜合的
- 來自（年度）: 每年港幣3,200元起
- 非上市債券獎金: 高達 60%
- 主要特點: 銀行合作保險公司
香港保誠汽車保險 Prudential HK
HK$3200 /年
- 封面類型: 綜合的
- 來自（年度）: 每年港幣3,200元起
- 非上市債券獎金: 高達 60%
- 主要特點: 以新換舊
富衛汽車保險（香港） FWD Hong Kong
HK$3200 /年
- 封面類型: 綜合的
- 來自（年度）: 年薪3200港元起
- 非上市債券獎金: 高達 50% 的非接觸式存款
- 主要特點: 前驅－數位化主張；香港汽車入門價格最低
AIG汽車保險（香港） AIG Hong Kong
HK$3500 /年
- 封面類型: 綜合的
- 來自（年度）: 每年港幣3,500元起
- 非上市債券獎金: 高達 60%
- 主要特點: 約定價值選擇權
匯豐汽車保險（香港） HSBC Life HK
HK$3500 /年
- 封面類型: 綜合的
- 來自（年度）: 每年港幣3,500元起
- 非上市債券獎金: 高達 60%
- 主要特點: 匯豐客戶福利
AIG MotorCare HK AIG Hong Kong
HK$3500 /年
- 封面類型: 綜合的
- 來自（年度）: 年薪3500港元起
- 非上市債券獎金: 高達 50% 的非接觸式存款
- 主要特點: AIG－美國品牌；強大的第三方責任險；24小時協助
AXA SmartDrive HK AXA Hong Kong
HK$3800 /年
- 封面類型: 綜合的
- 來自（年度）: 年薪3,800港元起
- 非上市債券獎金: 高達 60% 的非接觸式存款
- 主要特點: 安盛集團－SmartDrive應用程式；遠端資訊處理折扣；香港領導者
香港SC汽車保險 Standard Chartered HK
HK$3900 /年
- 封面類型: 綜合的
- 來自（年度）: 年薪3900港元起
- 非上市債券獎金: 高達 50% 的非接觸式存款
- 主要特點: SC — SC 客戶；與 SC 應用程式整合；提供免費法律援助
丘博汽車保險（香港） Chubb Insurance HK
HK$4000 /年
- 封面類型: 綜合的
- 來自（年度）: 每年4,000港元起
- 非上市債券獎金: 高達 60%
- 主要特點: 豪華車專家
蘇黎世汽車保險香港 Zurich Hong Kong
HK$4200 /年
- 封面類型: 綜合的
- 來自（年度）: 年薪4200港元起
- 非上市債券獎金: 高達 60% 的非接觸式存款
- 主要特點: 蘇黎世－瑞士傳統；強大的全損+折舊豁免
What is Auto Insurance in Hong Kong?
Auto insurance covers your car against liability, accident damage and theft. In Hong Kong at least third-party motor insurance is compulsory by law before a vehicle can be driven, covering injury and damage you cause to others. Comprehensive policies add cover for your own vehicle, fire, theft and windscreen. Given high vehicle values and dense traffic, most owners choose comprehensive cover, sold as annual policies by general insurers and banks.
How the Hong Kong market works
General insurers underwrite motor cover: AIG Hong Kong, AXA Hong Kong, FWD Hong Kong and Zurich Hong Kong are prominent, with AIA HK and banks such as Bank of China (Hong Kong), Hang Seng Bank and HSBC distributing policies. Premiums reflect the car value, driver record, no-claims discount and use. Third-party cover is the legal minimum; comprehensive is standard for financed or valuable cars. Named-driver and any-driver options affect pricing.
Benefits
Legal compliance — third-party cover satisfies the compulsory insurance requirement to drive legally.
Own-damage protection — comprehensive pays to repair your car after an accident.
Theft and fire — covers loss of the vehicle to theft or fire on comprehensive plans.
No-claims discount — years without a claim earn a growing premium reduction.
Roadside assistance — many comprehensive plans add breakdown help and emergency support as standard or an option.
How to choose
Decide between third-party (legal minimum) and comprehensive (broader) cover. Compare the premium, the excess, the no-claims discount protection, and whether the sum insured matches the car market value. Check named versus any-driver terms, windscreen and roadside-assistance inclusions, and exclusions for young or inexperienced drivers. A higher excess lowers the premium but raises your out-of-pocket cost at claim time.
Leading providers in Hong Kong
AIG Hong Kong, AXA Hong Kong, Zurich Hong Kong and FWD Hong Kong are among the main motor insurers, competing on comprehensive cover, service and digital quotes; AIA HK and the major banks Bank of China (Hong Kong), Hang Seng Bank and HSBC distribute policies to their customers. Because excess levels and add-ons vary, compare the full policy terms rather than the headline premium.
What it costs
Comprehensive premiums for a private car broadly range from around HK$2,800 to HK$4,200 a year, varying with the vehicle value, engine size, driver age and record, and no-claims discount. Third-party-only cover is cheaper but leaves your own car unprotected. High-performance cars, young drivers and past claims raise the price; a strong no-claims record and higher excess reduce it.
Protections and regulation
Motor insurers are authorised and supervised by the Insurance Authority (IA). Compulsory third-party cover is mandated under the Motor Vehicles Insurance (Third Party Risks) Ordinance, and the Motor Insurers Bureau provides a safety net for victims of uninsured or untraced drivers. Claim disputes can go to the Insurance Complaints Bureau. Driving without valid third-party insurance is a criminal offence.
Common questions
Is insurance compulsory? — Yes; at least third-party motor cover is legally required to drive.
Third-party or comprehensive? — Third-party meets the law; comprehensive also repairs your own car and covers theft and fire.
How does the no-claims discount work? — Each claim-free year builds a discount that lowers your renewal premium.
What if I hit an uninsured driver? — The Motor Insurers Bureau provides a safety net for victims of uninsured or untraced drivers.
Can I add a named driver? — Yes; named-driver policies are usually cheaper than any-driver cover, but only listed drivers are insured.
The cheapest Car Insurance in Hong Kong is HK$2800 /year from FWD Hong Kong.
Car Insurance in Hong Kong — FAQ
What is the cheapest car insurance in Hong Kong?
Giraffy tracks 5 car insurance products across FWD Hong Kong,QBE Insurance HK,AXA Hong Kong,Bank of China HK,Manulife HK insurers in Hong Kong. The lowest tracked price is HK$2800 /year. Your individual premium depends on your vehicle, driving history, and location — comparing quotes regularly is the most effective way to cut costs.
What is the difference between third-party and comprehensive car insurance?
Third-party cover is the minimum legal requirement in most markets — it pays for damage you cause to other vehicles and people but not your own car. Comprehensive cover includes damage to your own vehicle regardless of fault — and is often only marginally more expensive than third-party cover.
What factors affect my car insurance premium?
Key factors include: age and driving experience, claims history and no-claims bonus, vehicle make, model, and engine size, annual mileage, where you park overnight, postcode, and whether you add named drivers. Younger drivers typically pay more due to statistically higher accident rates.
What is an excess and how does it affect my premium?
The excess is the amount you contribute towards a claim before the insurer pays the rest. There's usually a compulsory excess (set by the insurer) and a voluntary excess (you choose). Raising your voluntary excess lowers your premium — but make sure you could comfortably pay it if you needed to claim.
What is a no-claims bonus (NCB) and how does it work?
An NCB (or no-claims discount) rewards claim-free years with lower premiums — typically 10–15% discount per year, up to around 60–70% after 5+ years. You can protect your NCB with an add-on that allows 1–2 at-fault claims without losing your discount. Check if your NCB is transferable when switching insurers.
Does adding named or additional drivers affect my car insurance premium?
Adding an experienced driver with a clean record can sometimes reduce premiums. However, adding a young or inexperienced driver almost always increases costs. 'Fronting' — where a parent is listed as the main driver to reduce a young driver's premium — is illegal and can void a policy.
Can I get car insurance as a temporary or short-term policy?
Yes — temporary car insurance is available from specialist providers for short periods. It's useful for driving a car you don't own, sharing driving on a long trip, or covering a car you're selling. These policies don't affect the main policy holder's no-claims bonus.