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 5 November 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
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
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
Car insurance in Saudi Arabia: October 2026 at a glance
Third-party cover is the legal minimum and is linked to your istimara. On Giraffy it is listed by Tawuniya, Medgulf, Walaa, Wataniya, Salama, Al Rajhi Takaful, AlJazira Takaful, Arabian Shield, Gulf General, Arabia Insurance and ALETIHAD. Comprehensive cover, which also pays for your own car, is listed by Tawuniya, ACIG, Al Rajhi Takaful, Arabian Shield, Wataniya and ALETIHAD, and ACIG adds an Own Damage Plus policy.
What differs between policies: ALETIHAD's comprehensive policy lists agency repair and Arabian Shield's lists no depreciation on claims. Walaa's third-party policy covers driving outside the Kingdom, while Al Rajhi Takaful, Arabian Shield and Gulf General sell it as an add-on. Windscreen cover is an add-on on Tawuniya and Al Rajhi Takaful third-party policies. Premiums are quoted for your car and driving record, so compare more than one insurer. After an accident: report it to Najm first and claim with the Najm report — see what to do after a car accident in KSA. Financing a car? Compare car finance.
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
Which companies offer car insurance in Saudi Arabia?
Giraffy tracks 20 motor policies from 14 insurers in Saudi Arabia. Third-party cover is listed by Tawuniya, Medgulf, Walaa, Wataniya, Salama, Al Rajhi Takaful, AlJazira Takaful, Arabian Shield, Gulf General, Arabia Insurance and ALETIHAD; comprehensive cover by Tawuniya, ACIG, Al Rajhi Takaful, Arabian Shield, Wataniya and ALETIHAD, and ACIG also lists an Own Damage Plus policy. Premiums are quoted for your car and driving record, so compare more than one insurer.
What is the difference between third-party and comprehensive car insurance in Saudi Arabia?
Third-party cover is the legal minimum: it pays for injury or damage you cause to others and nothing for your own car. Comprehensive cover also pays for your own vehicle after an accident, fire or theft, which is why owners of newer or financed cars usually choose it. On the third-party policies Giraffy lists, extras such as windscreen cover are optional add-ons at Tawuniya and Al Rajhi Takaful.
Is car insurance mandatory in Saudi Arabia?
Yes. Every registered vehicle must carry at least third-party cover. The policy is linked to your vehicle registration (istimara) and checked electronically, so a lapsed policy can stop you renewing the istimara or driving legally.
How do I make a car insurance claim in Saudi Arabia?
Report the accident to Najm (or the traffic police where Najm does not operate) and get the accident report, which sets each driver's share of fault. Then claim from the at-fault driver's insurer — or from your own insurer if you hold comprehensive cover — through its website or app, with the Najm report, istimara, driving licence and ID. The steps are the same at every insurer, including Arabia Insurance.
Should I choose agency repair or workshop repair?
Agency (dealer) repair usually costs more but suits new cars and cars still under warranty; approved-workshop repair is cheaper. Among the policies on Giraffy, ALETIHAD's comprehensive policy lists agency repair and Arabian Shield's comprehensive policy lists no depreciation on claims.
Does Saudi car insurance cover driving in other GCC countries?
Not always. Walaa's third-party policy lists cover outside the Kingdom; Al Rajhi Takaful and Arabian Shield (comprehensive) and Gulf General (third party) offer it as an optional add-on, and the other listed policies exclude it. Add it before you drive to a neighbouring GCC country.
Do I lose my no-claims discount if I switch insurer?
Usually not. A claim-free record earns a discount that is recognised across the market, so you can switch at renewal without losing it. If you do have an accident, report it to Najm straight away to keep the claim simple.
