Compare the top car insurance providers in Thailand — see cover, features and typical rates side by side.
17 live offers compared from 7 providers. Updated daily.
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Car insurance in Thailand comes in two layers: the compulsory Por Ror Bor (CTPL) policy that every registered vehicle must carry, and voluntary cover that adds protection for your own vehicle and larger third-party limits. Compulsory insurance provides basic bodily-injury compensation to accident victims, while voluntary Classes 1, 2+, 3+ and 3 add own-damage, theft and higher liability cover. All are issued by non-life insurers licensed by the Office of Insurance Commission (OIC), and most owners carry both layers together.
Por Ror Bor is legally required to tax and drive a vehicle, but its payouts are limited to personal injury, so most owners add voluntary insurance. The market tiers voluntary cover: Class 1 is comprehensive (own-damage, third-party, theft, fire); Class 2+ and 3+ cover third-party plus own-damage from collisions with another vehicle; Class 3 is third-party only. Premiums reflect the car, driver, coverage class and whether a named-driver or specific repair-garage restriction applies. Online insurers have grown quickly by pricing Class 1 competitively and letting drivers buy and renew entirely through an app.
Legal compliance — compulsory Por Ror Bor keeps your vehicle road-legal.
Own-damage cover — Class 1 pays to repair your own car after an accident.
Theft and fire protection — comprehensive policies cover loss and fire.
Higher liability limits — voluntary cover extends well beyond compulsory minimums.
Decide the coverage class you need: Class 1 for newer or financed cars, 2+/3+ for older vehicles wanting some collision cover, Class 3 for basic third-party. Compare premiums, the repair-garage network (dealer vs general garage), the excess, and whether the policy names specific drivers to cut cost. Check theft, flood and personal-accident inclusions, and the insurer's claims-handling reputation, since a low premium is little help if claims are slow. Always keep the compulsory Por Ror Bor current alongside any voluntary cover.
Major motor insurers include Viriyah Insurance (the market leader in motor), Bangkok Insurance, Allianz Ayudhya, Roojai (a leading online motor insurer), Muang Thai Insurance, AIA Thailand and FWD Thailand. Viriyah dominates by volume and has a large garage network, while Roojai and other digital players compete hard on price and convenience for Class 1 cover.
Compulsory Por Ror Bor is inexpensive and fixed by vehicle type. Voluntary premiums vary widely with the car's value, coverage class, driver profile and excess — Class 1 for a new car costs far more than Class 3 for an old one. Naming specific drivers, accepting a voluntary excess and choosing a general-garage (non-dealer) repair option all reduce the premium, and a good claims-free history can earn a renewal discount. As a car ages and its market value falls, many owners step down from Class 1 to a 2+ or 3+ policy, since the premium for comprehensive own-damage cover can become disproportionate to the sum you would actually recover on an older vehicle.
Motor insurance is regulated by the Office of Insurance Commission, which sets the compulsory Por Ror Bor framework, voluntary-class definitions and policyholder protections. Compulsory-insurance claims are backstopped by the Road Accident Victims Protection scheme. The OIC handles complaints and oversees insurer solvency.
Is car insurance mandatory? Compulsory Por Ror Bor is legally required; voluntary cover is optional but recommended.
What's the difference between the classes? Class 1 is comprehensive; 2+/3+ add collision cover; Class 3 is third-party only.
Can I lower my premium? Yes — name drivers, accept an excess or choose a general repair garage.
Does Por Ror Bor cover my car's damage? No — it only pays for bodily injury; add voluntary cover for vehicle damage.
Giraffy tracks 5 car insurance products across Bangkok Insurance,Allianz Ayudhya,Viriyah Insurance,AIA Thailand insurers in Thailand. Your individual premium depends on your vehicle, driving history, and location — comparing quotes regularly is the most effective way to cut costs.
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.
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.
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.
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.
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.
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.