安泰保險 An Tai Insurance
NT$7900 /年
- 封面類型: 綜合的
- 來自（年度）: 年薪7900新台幣起
- 無索賠折扣: 高達55%
- 主要特點: 線上直銷
Compare Car Insurance in Taiwan
Compare the top car insurance providers in Taiwan — see cover, features and typical rates side by side.
Live offers
10 live offers compared from 10 providers, from NT$7900 /年. Updated daily.
台灣消防和海事 Taiwan Fire and Marine
NT$8000 /年
- 封面類型: 綜合的
- 來自（年度）: 年薪8000台幣起
- 無索賠折扣: 高達55%
- 主要特點: 政府相關
中國保險 Chung Kuo Insurance
NT$8100 /年
- 封面類型: 綜合的
- 來自（年度）: 年薪8100台幣起
- 無索賠折扣: 高達 60%
- 主要特點: 最古老的TW P&C
明泰保險 Ming Tai Insurance
NT$8400 /年
- 封面類型: 綜合的
- 來自（年度）: 年薪8400台幣起
- 無索賠折扣: 高達 60%
- 主要特點: 傳統經紀人
國泰世紀汽車保險 Cathay Century Insurance
NT$8500 /年
- 封面類型: 綜合的
- 來自（年度）: 年薪8500台幣起
- 無索賠折扣: 高達 60%
- 主要特點: 國泰財產保險業領導者
東京海上台灣汽車保險 Tokio Marine Taiwan
NT$8800 /年
- 封面類型: 綜合的
- 來自（年度）: 年薪8800台幣起
- 無索賠折扣: 高達 60%
- 主要特點: 日本的精密性
MSIG台灣汽車保險 MSIG Taiwan
NT$9200 /年
- 封面類型: 綜合的
- 來自（年度）: 年薪9200新台幣起
- 無索賠折扣: 高達 65%
- 主要特點: MS&AD集團
和泰汽車保險 Hotai Motor Insurance
NT$9500 /年
- 封面類型: 綜合的
- 來自（年度）: 年薪9500新台幣起
- 無索賠折扣: 高達70%
- 主要特點: 豐田經銷商套餐
安聯台灣汽車保險 Allianz Taiwan
NT$11500 /年
- 封面類型: 綜合（超額強制險）
- 來自（年度）: 年薪11,500新台幣起
- 無索賠折扣: 高達 55% 的非接觸式存款
- 主要特點: 安聯－德國集團；最低入門級；擋風玻璃+配件（含）
富邦汽車保險（台灣） Fubon Insurance Taiwan
NT$12000 /年
- 封面類型: 綜合的
- 來自（年度）: 年薪12,000新台幣起
- 無索賠折扣: 高達 55% 的非接觸式存款
- 主要特點: 富邦保險－台灣排名第一的財產險；擁有700多家維修點。
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 2,000 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.
The cheapest Car Insurance in Taiwan is NT$7900 /year from An Tai Insurance.
Car Insurance in Taiwan — FAQ
What is the cheapest car insurance in Taiwan?
Giraffy tracks 5 car insurance products across An Tai Insurance,Taiwan Fire and Marine,Chung Kuo Insurance,Ming Tai Insurance,Cathay Century Insurance insurers in Taiwan. The lowest tracked price is NT$7900 /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.