Compare Car Insurance in Taiwan

Live offers

10 live offers compared from 10 providers, from NT$7900 /year. Updated daily.

What is car insurance in Taiwan?

Car insurance in Taiwan combines a mandatory layer and voluntary cover. Every vehicle must carry Compulsory Automobile Liability Insurance (CALI, 強制汽車責任保險), which pays bodily-injury compensation to third parties regardless of fault. On top, drivers buy voluntary policies for third-party property damage, own-vehicle collision and theft, plus optional add-ons. The compulsory element is a legal requirement to license and drive, while voluntary cover fills the substantial gaps CALI leaves, especially property and own-damage claims.

How the Taiwan market works

CALI premiums are standardised and relatively low, sold by non-life insurers and renewed with vehicle licensing. Voluntary cover is priced competitively on the driver's age, claims history (no-claims discount), vehicle value and coverage tiers. Many policies are distributed through car dealers at point of sale, as well as brokers and insurer branches. Own-damage collision cover is tiered (commonly 甲, 乙, 丙 grades) offering different breadth of protection at different prices.

Benefits

Legal compliance — CALI satisfies the statutory requirement and ensures injured third parties are compensated quickly.

Property protection — Voluntary third-party cover pays for damage you cause to other vehicles and property, which CALI does not.

Own-vehicle cover — Collision and theft tiers protect your own car, important for financed or newer vehicles.

No-claims discount — A clean record steadily lowers voluntary premiums at each renewal.

Add-on flexibility — Optional extras such as windscreen cover, natural-disaster protection and roadside assistance let you tailor a policy to Taiwan's typhoon and traffic conditions.

How to choose

Decide how much own-damage protection you need based on your car's value and how it is financed; a new or leased car usually warrants a fuller collision tier. Compare voluntary third-party liability limits, since CALI's bodily-injury cap can be exhausted in a serious accident. Check the excess (deductible), named-driver terms, and whether add-ons like windscreen, natural-disaster or roadside assistance matter for you. Weigh price against claims-service reputation.

Leading providers in Taiwan

Leading non-life motor insurers include Fubon Insurance Taiwan, Cathay Century Insurance, Ming Tai Insurance, Chung Kuo Insurance and An Tai (Aioi Nissay Dowa) Insurance, alongside international-linked MSIG Taiwan and Allianz Taiwan. Hotai Motor Insurance is closely associated with the Toyota dealer network, illustrating how much motor cover is sold at the point of vehicle purchase.

What it costs

A full voluntary package in this comparison typically ranges from about NT$7,900 to NT$12,000 a year, on top of the modest, standardised CALI premium. The final price depends on the car's value, the collision tier chosen, your age and no-claims discount, and any optional add-ons. Higher own-damage tiers and younger drivers push premiums toward the upper end, while a mature driver with a long no-claims record insuring an older car sits near the lower bound.

Protections and regulation

Motor insurance is regulated by the Financial Supervisory Commission (FSC), with CALI governed by the Compulsory Automobile Liability Insurance Act. All motor cover comes from licensed non-life insurers, reflecting Taiwan's strict life/non-life separation. If an insurer fails, the Taiwan Insurance Guaranty Fund provides limited backstop protection for policyholders.

Common questions

Is CALI enough on its own? No; it covers only third-party bodily injury up to a cap and pays nothing for property or your own vehicle.

What do the 甲乙丙 tiers mean? They are collision cover grades, from broadest (甲) to most limited (丙), with premiums falling accordingly.

Does a no-claims record help? Yes; a clean claims history earns a growing discount on voluntary premiums at renewal.

Can I buy cover through the dealer? Yes, and it is common, motor cover is frequently arranged at the point of purchase, but comparing an independent insurer quote against the dealer package can reveal better value on both price and claims service.

Car Insurance in Taiwan — FAQ