How Does Your Car Model Impact Car Insurance Quotes in the UAE?

Last updated on : 29 Apr 2024
3 min read

When it comes to securing car insurance in the United Arab Emirates (UAE), there are several factors that insurance companies consider when calculating your premium. One significant factor that often goes unnoticed is the make and model of your vehicle. Yes, the type of car you drive can impact your car insurance quotes in the UAE. In this article, we will explore how your car model influences your insurance premiums and what you can do to get the best rates.

Car Model and Insurance Risk

Insurance companies in the UAE assess the risk associated with insuring a particular car model. The logic is simple: some car models are more prone to accidents, theft, or costly repairs than others. High-performance sports cars, luxury vehicles, and certain models with a history of accidents or theft are generally considered riskier to insure. As a result, these vehicles often attract higher insurance premiums.

Car Value and Replacement Cost

The value of your car plays a crucial role in determining your insurance premium. More expensive car models usually come with higher repair or replacement costs in case of an accident or theft. Therefore, insuring a luxury car or an exotic vehicle can be significantly more expensive than insuring a standard sedan or hatchback. If you own a high-value car, be prepared for higher insurance costs.

Repair Costs

Certain car models are known for their expensive repair costs, either because of specialized parts or limited availability. In the event of an accident, insurance companies may need to pay more for repairs, which can result in higher premiums for those car owners.

How to Get the Best Rates?

While you may not be able to change your car model easily, there are steps you can take to mitigate the impact on your insurance premiums:

a. Shop Around: Compare quotes from multiple insurance companies to find the best rate for your specific car model. You can log on to Shory’s quotes page to do so. 

b. Opt for Higher Deductibles: Increasing your deductible can lower your premium but be sure you can afford the deductible amount if you need to make a claim.

d. Maintain a Clean Driving Record: Safe driving can lead to lower premiums over time, regardless of your car model.


Your car model does indeed impact your car insurance quotes in the UAE. While you may love your luxury car or sports car, it's essential to be aware that insuring such vehicles can be more expensive. However, by understanding the factors that insurance companies consider and taking steps to reduce your risk, you can find ways to minimize the impact on your premiums. Shopping around and comparing quotes is always a wise strategy to find the best insurance deal for your specific car model in the UAE.

Disclaimer: Shory aims to present accurate and up to date information, however we take no responsibility or liability for any errors or omissions in the content.