Motor insurance in Saudi Arabia is provided by 14 insurers spanning third-party, third-party fire & theft and comprehensive policies. Compare the excess and any courtesy-car provisions alongside the premium — the cheapest policy often carries the highest excess, which can make minor claims uneconomical.
Compare the top 14 Saudi auto insurance providers, with premiums from 1100 /year. Data current as of 23 October 2026 and updated daily from the Giraffy database.
Live offers
20 live offers compared from 14 providers, from SAR 1100 /year. Updated daily.
SAR 1100 /year
Buruj Comprehensive Motor KSA is an Auto Insurance offer from Buruj Cooperative Insurance in Saudi Arabia. Listed at SAR 1100 /year. Key details — Coverage Type: Comprehensive; Coverage: All risks; Windscreen/Glass: Included; Roadside Assistance: 24/7.
- Coverage Type: Comprehensive
- Coverage: All risks
- Windscreen/Glass: Included
- Roadside Assistance: 24/7
- Temporary Car: Yes
- Driver Injury: Covered
- Passenger Injury: Covered
- Collision: Covered
SAR 1200 /year
Third Party is an Auto Insurance offer from Medgulf in Saudi Arabia. Listed at SAR 1200 /year. Key details — Coverage Type: Third Party; Coverage: Covered; Windscreen/Glass: Not Covered; Roadside Assistance: Not Covered.
- Coverage Type: Third Party
- Coverage: Third Party: Covered Up to 10,000,000 SAR
- Coverage: Own Car: Not Covered
- Windscreen/Glass: Not Covered
- Roadside Assistance: Not Covered
- Temporary Car: Not Covered
- Driver Injury: Not Covered
- Passenger Injury: Not Covered
SAR 1200 /year
Third Party is an Auto Insurance offer from Arabian Shield Cooperative Insurance in Saudi Arabia. Listed at SAR 1200 /year. Key details — Coverage Type: Third Party; Coverage: Covered; Windscreen/Glass: Not Covered; Roadside Assistance: Optional Add-on.
- Coverage Type: Third Party
- Coverage: Third Party: Covered Up to 10,000,000 SAR
- Coverage: Own Car: Not Covered
- Windscreen/Glass: Not Covered
- Roadside Assistance: Optional Add-on
- Temporary Car: Not Covered
- Driver Injury: Not Covered
- Passenger Injury: Not Covered
SAR 1200 /year
Comprehensive is an Auto Insurance offer from ALETIHAD Cooperative Insurance Company in Saudi Arabia. Listed at SAR 1200 /year. Key details — Coverage Type: Comprehensive; Coverage: Covered; Windscreen/Glass: Not Covered; Roadside Assistance: Optional Add-on.
- Coverage Type: Comprehensive
- Coverage: Third Party: Covered Up to 10,000,000 SAR
- Coverage: Own Car: Covered
- Windscreen/Glass: Not Covered
- Roadside Assistance: Optional Add-on
- Temporary Car: Not Covered
- Driver Injury: Optional Add-on
- Passenger Injury: Not Covered
SAR 1200 /year
Comprehensive is a auto insurance offer from Tawuniya Cooperative Insurance in Saudi Arabia. Key details — Coverage Type: Comprehensive; Coverage: Covered; Windscreen/Glass: Not Covered.
- Coverage Type: Comprehensive
- Coverage: Third Party: Covered Up to 10,000,000 SAR
- Coverage: Own Car: Covered
- Windscreen/Glass: Not Covered
- Roadside Assistance: Not Covered
- Temporary Car: Not Covered
- Driver Injury: Optional Add-on
- Passenger Injury: Not Covered
SAR 1200 /year
Third Party is an Auto Insurance offer from AlJazira Takaful in Saudi Arabia. Listed at SAR 1200 /year. Key details — Coverage Type: Third Party; Coverage: Covered; Windscreen/Glass: Not Covered; Roadside Assistance: Not Covered.
- Coverage Type: Third Party
- Coverage: Third Party: Covered Up to 10,000,000 SAR
- Coverage: Own Car: Not Covered
- Windscreen/Glass: Not Covered
- Roadside Assistance: Not Covered
- Temporary Car: Not Covered
- Driver Injury: Not Covered
- Passenger Injury: Not Covered
ACIG Comprehensive ACIG
SAR 1200 /year
ACIG Comprehensive is an Auto Insurance offer from ACIG in Saudi Arabia. Listed at SAR 1200 /year. Key details — Coverage Type: Comprehensive; Coverage: Covered; Windscreen/Glass: Covered; Roadside Assistance: Not Covered.
- Coverage Type: Comprehensive
- Coverage: Third Party: Covered Up to 10,000,000 SAR
- Coverage: Own Car: Covered
- Windscreen/Glass: Covered
- Roadside Assistance: Not Covered
- Temporary Car: Not Covered
- Driver Injury: Not Covered
- Passenger Injury: Not Covered
SAR 1200 /year
Third Party is an Auto Insurance offer from Wataniya Insurance Company in Saudi Arabia. Listed at SAR 1200 /year. Key details — Coverage Type: Third Party; Coverage: Covered; Windscreen/Glass: Not Covered; Roadside Assistance: Not Covered.
- Coverage Type: Third Party
- Coverage: Third Party: Covered Up to 10,000,000 SAR
- Coverage: Own Car: Not Covered
- Windscreen/Glass: Not Covered
- Roadside Assistance: Not Covered
- Temporary Car: Not Covered
- Driver Injury: Not Covered
- Passenger Injury: Not Covered
SAR 1200 /year
Third Party is an Auto Insurance offer from Salama Cooperative Insurance Company in Saudi Arabia. Listed at SAR 1200 /year. Key details — Coverage Type: Third Party; Coverage: Covered; Windscreen/Glass: Not Covered; Roadside Assistance: Not Covered.
- Coverage Type: Third Party
- Coverage: Third Party: Covered Up to 10,000,000 SAR
- Coverage: Own Car: Not Covered
- Windscreen/Glass: Not Covered
- Roadside Assistance: Not Covered
- Temporary Car: Not Covered
- Driver Injury: Not Covered
- Passenger Injury: Not Covered
SAR 1200 /year
Comprehensive is an Auto Insurance offer from Al Rajhi Takaful in Saudi Arabia. Listed at SAR 1200 /year. Key details — Coverage Type: Comprehensive; Coverage: Covered; Windscreen/Glass: Not Covered; Roadside Assistance: Optional Add-on.
- Coverage Type: Comprehensive
- Coverage: Covered Up to 10,000,000 SAR
- Windscreen/Glass: Not Covered
- Roadside Assistance: Optional Add-on
- Temporary Car: Optional Add-on
- Driver Injury: Optional Add-on
- Passenger Injury: Optional Add-on
- Collision: Not Covered
SAR 1200 /year
Third Party is an Auto Insurance offer from Tawuniya Cooperative Insurance in Saudi Arabia. Listed at SAR 1200 /year. Key details — Coverage Type: Third Party; Coverage: Covered; Windscreen/Glass: Optional Add-on; Roadside Assistance: Not Covered.
- Coverage Type: Third Party
- Coverage: Third Party: Covered Up to 10,000,000 SAR
- Coverage: Own Car: Not Covered
- Windscreen/Glass: Optional Add-on
- Roadside Assistance: Not Covered
- Temporary Car: Not Covered
- Driver Injury: Not Covered
- Passenger Injury: Not Covered
SAR 1200 /year
Third Party is an Auto Insurance offer from Arabia Insurance in Saudi Arabia. Listed at SAR 1200 /year. Key details — Coverage Type: Third Party; Coverage: Covered; Windscreen/Glass: Not Covered; Roadside Assistance: Not Covered.
- Coverage Type: Third Party
- Coverage: Third Party: Covered Up to 10,000,000 SAR
- Coverage: Own Car: Not Covered
- Windscreen/Glass: Not Covered
- Roadside Assistance: Not Covered
- Temporary Car: Not Covered
- Driver Injury: Optional Add-on
- Passenger Injury: Not Covered
SAR 1200 /year
Comprehensive is an Auto Insurance offer from Arabian Shield Cooperative Insurance in Saudi Arabia. Listed at SAR 1200 /year. Key details — Coverage Type: Comprehensive; Coverage: Covered; Windscreen/Glass: Not Covered; Roadside Assistance: Optional Add-on.
- Coverage Type: Comprehensive
- Coverage: Third Party: Covered Up to 10,000,000 SAR
- Coverage: Own Car: Covered
- Windscreen/Glass: Not Covered
- Roadside Assistance: Optional Add-on
- Temporary Car: Optional Add-on
- Driver Injury: Optional Add-on
- Passenger Injury: Not Covered
ACIG Plus Insurance - Own Damage Plus ACIG
SAR 1200 /year
ACIG Plus Insurance - Own Damage Plus is a auto insurance offer from ACIG in Saudi Arabia. Key details — Coverage Type: Own Damage Plus; Coverage: Covered; Coverage: Covered; Windscreen/Glass: Not Covered.
- Coverage Type: Own Damage Plus
- Coverage: Third Party: Covered
- Coverage: Own Car: Covered
- Windscreen/Glass: Not Covered
- Roadside Assistance: Not Covered
- Temporary Car: Covered
- Driver Injury: Covered
- Passenger Injury: Not Covered
SAR 1200 /year
Third Party is a auto insurance offer from Al Rajhi Takaful in Saudi Arabia. Key details — Coverage Type: Third Party; Coverage: Covered Up to 10,000,000 SAR; Windscreen/Glass: Optional Add-on; Roadside Assistance: Optional Add-on.
- Coverage Type: Third Party
- Coverage: Covered Up to 10,000,000 SAR
- Windscreen/Glass: Optional Add-on
- Roadside Assistance: Optional Add-on
- Temporary Car: Not Covered
- Driver Injury: Optional Add-on
- Passenger Injury: Not Covered
- Collision: Not Covered
SAR 1200 /year
Third Party is a auto insurance offer from ALETIHAD Cooperative Insurance Company in Saudi Arabia. Key details — Coverage Type: Third Party; Coverage: Covered Up to 10,000,000 SAR; Windscreen/Glass: Not Covered; Roadside Assistance: Not Covered.
- Coverage Type: Third Party
- Coverage: Third Party: Covered Up to 10,000,000 SAR
- Windscreen/Glass: Not Covered
- Roadside Assistance: Not Covered
- Temporary Car: Not Covered
- Driver Injury: Optional Add-on
- Passenger Injury: Not Covered
- Collision: Not Covered
SAR 1200 /year
Third Party is an Auto Insurance offer from Gulf General Insurance in Saudi Arabia. Listed at SAR 1200 /year. Key details — Coverage Type: Third Party; Coverage: Covered; Windscreen/Glass: Not Covered; Roadside Assistance: Optional Add-on.
- Coverage Type: Third Party
- Coverage: Third Party: Covered Up to 10,000,000 SAR
- Coverage: Own Car: Not Covered
- Windscreen/Glass: Not Covered
- Roadside Assistance: Optional Add-on
- Temporary Car: Not Covered
- Driver Injury: Optional Add-on
- Passenger Injury: Optional Add-on
SAR 1200 /year
Third Party is an Auto Insurance offer from Walaa Cooperative Insurance Co. in Saudi Arabia. Listed at SAR 1200 /year. Key details — Coverage Type: Third Party; Coverage: Covered; Windscreen/Glass: Not Covered; Roadside Assistance: Not Covered.
- Coverage Type: Third Party
- Coverage: Third Party: Covered Up to 10,000,000 SAR
- Coverage: Own Car: Not Covered
- Windscreen/Glass: Not Covered
- Roadside Assistance: Not Covered
- Temporary Car: Not Covered
- Driver Injury: Optional Add-on
- Passenger Injury: Optional Add-on
SAR 1200 /year
Comprehensive is a auto insurance offer from Wataniya Insurance Company in Saudi Arabia. Key details — Coverage Type: Comprehensive; Coverage: Covered Up to 10,000,000 SAR; Coverage: Covered; Windscreen/Glass: Not Covered.
- Coverage Type: Comprehensive
- Coverage: Third Party: Covered Up to 10,000,000 SAR
- Coverage: Own Car: Covered
- Windscreen/Glass: Not Covered
- Roadside Assistance: Optional Add-on
- Temporary Car: Optional Add-on
- Driver Injury: Not Covered
- Passenger Injury: Not Covered
SAR 1200 /year
Malath Comprehensive Auto KSA is an Auto Insurance offer from Malath Insurance in Saudi Arabia. Listed at SAR 1200 /year. Key details — Coverage Type: Comprehensive; Coverage: All risks; Windscreen/Glass: Included; Roadside Assistance: 24/7.
- Coverage Type: Comprehensive
- Coverage: All risks
- Windscreen/Glass: Included
- Roadside Assistance: 24/7
- Temporary Car: Yes
- Driver Injury: Covered
- Passenger Injury: Covered
- Collision: Covered
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.
The cheapest Car Insurance in Saudi Arabia is SAR 1100 /year from Buruj Cooperative Insurance.
Car Insurance in Saudi Arabia — FAQ
What is the cheapest car insurance in Saudi Arabia?
Giraffy tracks 20 car insurance products across 14 insurers in Saudi Arabia. The lowest tracked price is SAR 1100 /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.
