Bangkok Insurance Class 1 Bangkok Insurance
Price on request
- Coverage Type: Class 1 (Comprehensive)
- Annual Premium From: THB 7,500/year
- No-Claims Discount: Up to 50% NCB
- Claims Service: 24/7 + 700+ approved garages
Compare Car Insurance in Thailand
Compare car insurance policies from Thai insurers.
Compare the top 7 Thailand car insurance providers, with premiums from Price on request. Data current as of 23 October 2026 and updated daily from the Giraffy database.
Live offers
17 live offers compared from 7 providers. Updated daily.
Allianz Ayudhya MotorGo Class 3+ Allianz Ayudhya
Price on request
- Coverage Type: Class 3+ (Third Party+)
- Annual Premium From: THB 2,800/year
- No-Claims Discount: Up to 50% NCB
- Claims Service: 24/7 hotline
Allianz Ayudhya MotorGo Class 1 Allianz Ayudhya
Price on request
- Coverage Type: Class 1 (Comprehensive)
- Annual Premium From: THB 8,500/year
- No-Claims Discount: Up to 50% NCB
- Claims Service: 24/7 + mobile app claim
Viriyah Voluntary Class 1 Plus Viriyah Insurance
Price on request
- Coverage Type: Class 1 Plus (enhanced)
- Annual Premium From: THB 10,500/year
- No-Claims Discount: Up to 50% NCB
- Claims Service: 24/7 premium service
AIA Motor Insurance Class 1 AIA Thailand
Price on request
- Coverage Type: Class 1 (Comprehensive)
- Annual Premium From: THB 8,200/year
- No-Claims Discount: Up to 50% NCB
- Claims Service: 24/7 hotline
Bangkok Insurance Class 3+ Bangkok Insurance
Price on request
- Coverage Type: Class 3+ (Third Party+)
- Annual Premium From: THB 2,200/year
- No-Claims Discount: Up to 50% NCB
- Claims Service: 24/7 hotline
Muang Thai Insurance Class 1 Muang Thai Insurance
Price on request
- Coverage Type: Class 1 (Comprehensive)
- Annual Premium From: THB 7,800/year
- No-Claims Discount: Up to 50% NCB
- Claims Service: 24/7 + 800+ garages
Viriyah Class 1 Comprehensive Viriyah Insurance
Price on request
- Coverage Type: Class 1 (Comprehensive)
- Annual Premium From: THB 8,000/year
- No-Claims Discount: Up to 50% NCB
- Claims Service: 24/7 hotline + 1,200+ garages
Roojai EV Insurance Roojai
Price on request
- Coverage Type: Class 1 EV (Comprehensive)
- Annual Premium From: THB 9,000/year
- No-Claims Discount: Up to 50% NCB
- Claims Service: Specialist EV garages
FWD Motor Insurance Class 1 FWD Thailand
Price on request
- Coverage Type: Class 1 (Comprehensive)
- Annual Premium From: THB 7,000/year
- No-Claims Discount: Up to 50% NCB
- Claims Service: 24/7 + app claim
Muang Thai Insurance Class 2+ Muang Thai Insurance
Price on request
- Coverage Type: Class 2+ (Third Party+)
- Annual Premium From: THB 3,200/year
- No-Claims Discount: Up to 50% NCB
- Claims Service: 24/7 hotline
Viriyah Class 3+ Third Party+ Viriyah Insurance
Price on request
- Coverage Type: Class 3+ (Third Party Plus)
- Annual Premium From: THB 2,500/year
- No-Claims Discount: Up to 50% NCB
- Claims Service: 24/7 hotline
Allianz Ayudhya EV Motor Plan Allianz Ayudhya
Price on request
- Coverage Type: Class 1 EV (Comprehensive)
- Annual Premium From: THB 8,800/year
- No-Claims Discount: Up to 50% NCB
- Claims Service: EV specialist garages + app
Viriyah Class 2+ Third Party+ Viriyah Insurance
Price on request
- Coverage Type: Class 2+ (Third Party Plus)
- Annual Premium From: THB 3,500/year
- No-Claims Discount: Up to 50% NCB
- Claims Service: 24/7 hotline
Roojai Class 2+ Online Roojai
Price on request
- Coverage Type: Class 2+
- Annual Premium From: THB 3,000/year (online)
- No-Claims Discount: Up to 50% NCB
- Claims Service: Online + 24/7 hotline
Roojai Class 1 Comprehensive Roojai
Price on request
- Coverage Type: Class 1 (Comprehensive)
- Annual Premium From: THB 6,500/year (online)
- No-Claims Discount: Up to 50% NCB
- Claims Service: 24/7 hotline + online claim
Bangkok Insurance EV Class 1 Bangkok Insurance
Price on request
- Coverage Type: Class 1 EV
- Annual Premium From: THB 9,500/year
- No-Claims Discount: Up to 50% NCB
- Claims Service: EV specialist network
What is Car Insurance in Thailand?
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.
How the Thai market works
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.
Benefits
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.
How to choose
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.
Leading providers in Thailand
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.
What it costs
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.
Protections and regulation
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.
Common questions
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.
Car Insurance in Thailand — FAQ
What is the cheapest car insurance in Thailand?
Giraffy tracks 17 car insurance products across 7 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.
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.