Compare Car Insurance in Saudi Arabia

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20 live offers compared from 14 providers, from ⃁ 1100 /سنة. Updated daily.

What is auto insurance in Saudi Arabia?

Auto insurance covers the cost of accidents, damage and liability arising from driving. In Saudi Arabia it is compulsory: every registered vehicle must carry at least third-party (liability) cover, which pays for injury or damage you cause to others. Comprehensive cover adds protection for your own vehicle. Insurance is provided through the cooperative (takaful) model, in which policyholders share risk under Sharia-compliant terms.

How the Saudi market works

Motor insurance is regulated by the Insurance Authority (IA), which became the sole insurance regulator after taking over these powers from the Saudi Central Bank in 2023 and 2024. Cover is linked to your vehicle registration (istimara) and validated electronically through the national Najm and Tameeni systems, so policies must be active for the car to be legally driven. Insurers are cooperative companies operating on standardised, IA-approved terms. Third-party cover pays for injury or damage you cause to others but nothing for your own car, which is why owners of newer or financed vehicles usually add comprehensive cover. Premiums are risk-rated using factors the IA permits, and the electronic linkage to your registration means a lapsed policy can prevent you renewing the istimara or legally driving.

Benefits

Legal compliance — Third-party cover is mandatory to register and drive a vehicle.

Liability protection — Pays for injury or damage you cause to others.

Own-damage cover — Comprehensive policies protect your own car from accident, fire and theft.

Cooperative model — Takaful structure aligns cover with Sharia principles.

How to choose

Decide between third-party and comprehensive based on your vehicles value and how you use it. Compare the premium against what is included: repair network, agency versus workshop repair, roadside assistance, and geographic cover if you drive to neighbouring GCC states. Check the deductible (excess) you pay per claim, no-claims discounts, and the claims process. The lowest premium is not always the best value once cover limits are compared.

Leading auto insurance providers in Saudi Arabia

Tawuniya is one of the Kingdoms largest insurers, alongside Medgulf, Walaa Cooperative Insurance, Wataniya Insurance, Arabian Shield, ALETIHAD, ACIG and Al Rajhi Takaful. All operate under the cooperative model and IA supervision. Giraffy tracks live motor policies across these providers so you can compare premiums and cover levels.

What it costs

Premiums on Giraffy commonly fall around the SAR 1,100 to SAR 1,200 mark for typical cover, though your price depends on the vehicle, its value, your age and driving record, the city, and whether you choose third-party or comprehensive. A no-claims history lowers the premium, while a higher deductible can too. Compare like-for-like cover levels rather than premium alone.

Protections and regulation

The Insurance Authority licenses insurers, approves policy wordings, and oversees claims conduct and consumer protection. Accidents are documented through Najm, and motor cover is verified electronically at registration. These systems ensure that valid claims are handled under standardised terms and that only licensed cooperative insurers operate in the market. Reporting an accident promptly through Najm and keeping your policy documents to hand makes the claims process smoother if you need to use your cover.

Common questions

Is car insurance mandatory? Yes. At minimum, third-party liability cover is compulsory to register and drive.

Third-party or comprehensive? Third-party meets the legal minimum; comprehensive also covers your own vehicle, which suits newer or higher-value cars.

Is Saudi motor insurance Sharia-compliant? Yes. It uses the cooperative takaful model regulated by the Insurance Authority.

Does my no-claims history transfer between insurers? A clean claims record generally earns a discount and is recognised across the market, so switching insurer at renewal need not lose your no-claims benefit.

Car Insurance in Saudi Arabia — FAQ