United Arab
Emirates
Kingdom of
Saudi Arabia
Top insurers. Best prices.
Car insurance in the UAE, buy online in 90 seconds
Enter your plate, compare live quotes and buy from CBUAE-approved top insurers instantly. Comprehensive from AED 1,192/year and third-party from AED 551/year for cars registered in Dubai, Abu Dhabi, Sharjah and every emirate. Pay in full or in easy installments. No sales calls. No paperwork. Instant policy.
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Last updated on : 03 April 2026
3 Easy steps to get the best car insurance online in the UAE
At Shory, we’ve made getting car insurance in Dubai, Abu Dhabi, and across the UAE super fast and easy with our cutting-edge technology. You can get instant motor insurance quotes online from some of the top insurance companies in just a few seconds. Compare, select your plan and buy online anytime. Here’s how it works:
Enter the vehicle details
Simply provide your vehicle details, and our smart technology will instantly generate quotes for you.
Compare and choose
You can compare policies from the best providers and select one that suits your needs.
Pay online. Get your policy instantly
We’re the UAE’s first and only 100% digital insurance platform.
Best car insurance companies, all in one place
The UAE offers a wide range of trusted car insurance uae providers offering both third-party and comprehensive coverage, making it important to compare car insurance UAE based on your budget, coverage needs, and service preferences.
At Shory, we've partnered with most of the leading insurance companies to bring you top-notch policies for every type of vehicle, all at competitive prices, including ADNIC, ADNTC, Al Ain Insurance, AWNIC, Dubai Insurance, Fidelity United, Insurance House, Methaq, NGI, Orient, Orient Takaful, Qatar Insurance, RAK, Salama, Watania, and Union Insurance. With us, you can be confident that you're getting the best vehicle insurance deals.
Trusted by leading organizations across the UAE, including TAMM, ADNOC, Carswitch, Comera, FAB and Tabby.
What is car insurance in the UAE?
Car insurance in the UAE is a legal contract between a vehicle owner and a CBUAE-licensed insurer that protects vehicle owner from financial loss caused by accidents, theft, or damage. To legally drive in Dubai, Abu Dhabi, and across the UAE, every vehicle must have at least third-party car insurance, which covers damage to other vehicles, property, or individuals. Comprehensive car insurance in the UAE provides broader protection by covering your own vehicle as well. This includes damage from accidents, fire, theft, and certain natural events, making it a preferred option for newer or higher-value cars. Car insurance UAE policies can be customized based on your needs, with optional add-ons available to enhance your coverage. Comparing car insurance online helps you find the right balance between cost and protection while ensuring you meet all legal requirements.
Is car insurance mandatory in the UAE?
Car insurance in the UAE is mandatory for all vehicle owners. To legally drive in Dubai, Abu Dhabi, Sharjah, and across the UAE, every vehicle must have at least third-party car insurance in place. This requirement is established under UAE Federal Law No. 6 of 2007 and is enforced as a prerequisite for vehicle registration and renewal by authorities such as the Roads and Transport Authority (RTA) in Dubai, the Abu Dhabi Department of Municipalities and Transport, and equivalent regulators across all seven emirates. To legally drive in Dubai, Abu Dhabi, Sharjah, and throughout the UAE, every vehicle must have at least third-party car insurance in place. Driving without valid coverage can result in fines, black points, and possible vehicle confiscation. Car insurance must also be renewed annually to remain compliant with UAE law, ensuring that drivers are financially protected and that damages to others are covered in the event of an accident.
How much does car insurance cost in the UAE?
Car insurance cost in the UAE depends on several factors, including your vehicle, driving history, and the type of coverage you choose. If you’re looking for cheap car insurance UAE, comparing multiple insurers can help you find lower premiums without compromising on coverage. On average, car insurance prices in Dubai, Abu Dhabi, and across the UAE fall within the following ranges.
| Insurance Type | Average Cost |
|---|---|
| Third-party car insurance UAE | Starting from AED 551/year |
| Comprehensive car insurance UAE | Starting from AED 1191.75/year |
Factors that affect your premium
- Vehicle market value: Comprehensive premiums are typically calculated at 2–3.5% of your car's current market value under CBUAE guidelines.
- Vehicle age: Older vehicles generally attract lower comprehensive premiums due to lower replacement value.
- Driver age: Drivers under 25 or over 70 typically pay higher premiums. Adding a young driver to a policy also increases the premium.
- Claims history: A clean no-claims record can reduce your renewal premium by 5–25% depending on the insurer's no-claims bonus (NCB) programme.
- Emirate of registration: Premiums vary slightly by emirate due to differences in traffic density, accident rates, and repair costs.
- Selected add-ons: Roadside assistance, off-road cover, Oman extension, and rental car cover each add to the base premium.
- Excess (deductible): Choosing a higher voluntary excess lowers your annual premium. A AED 1,000 excess typically saves 8–15% on the base price.
Comparing car insurance quotes online in the UAE helps you find the cheapest car insurance price while ensuring you get the right level of coverage for your needs. With Shory, you can compare multiple insurers in one place and potentially save on your car insurance premium within minutes.
Types of car insurance in the UAE
Car insurance in Dubai, Abu Dhabi, and across the UAE typically falls into two main types: third-party car insurance and comprehensive car insurance. Understanding the difference between these options helps you choose the right level of coverage based on your needs, budget, and vehicle type.
Third-Party Car Insurance
Third-party car insurance UAE is the basic legal requirement, covering only liabilities for injuries and property damage to others in accidents you cause, providing no coverage for your own vehicle.
Learn more about
third-party insurance.
Comprehensive Car Insurance
Comprehensive car insurance UAE offers extensive coverage for both your own and others' vehicles, including accidents you cause, theft, and other non-collision-related damage.
Learn more about
comprehensive insurance.
Which type of car insurance should I get third-party or comprehensive?
Choosing between third-party and comprehensive car insurance UAE depends on your budget, vehicle value, and coverage needs. Third-party car insurance is the most affordable option and meets the legal requirement to drive in the UAE, while comprehensive car insurance offers broader protection by covering your own vehicle as well. Comparing third-party and comprehensive car insurance quotes helps you find the right balance between cost and coverage, especially if you're looking for cheap car insurance UAE without compromising essential protection.To help you make the right choice for your needs and budget, take a look at the benefits offered by both types below and compare them.
Features
Accidental damage to other vehicles
Third-party bodily injury
Accidental damage to your vehicle
Theft or fire damage to your vehicle
Natural disasters (flood, storm, etc.)
Personal accident coverage
Roadside assistance
Premium cost
Third-party
insurance
Lower
Comprehensive
insurance
Higher
Available car insurance add-Ons and coverage options
Car insurance add-ons are extra coverages that can enhance your standard policy. Whether you’ve got third-party insurance or a comprehensive plan, you can choose add-ons to suit your needs. Some of these add-ons are available for both types of car isnurance but there are others exclusive to comprehensive. Their availability however varies depending on the insurer and plan you pick.
Add-ons Usually Available for Both TPL and Comprehensive Policies
Personal Accident - Passengers
Personal Accident - Driver
Roadside Assistance
Oman Cover (TPL) - Orange Card
Add-ons for Comprehensive Car Insurance
Natural Disaster Cover
Temporary Vehicle Replacement
Off-Road (for SUV)
Car Rental Reimbursement
Why insure your car with Shory?
Shory makes it easy to compare car insurance from leading insurers in one place, including comprehensive and third-party options tailored for drivers across Dubai, Abu Dhabi, and all emirates. You can quickly find the right policy with full transparency and no unnecessary complexity, while thousands of car insurance policies are issued online every month through Shory. We partner with some of the most trusted insurers in the UAE to offer reliable coverage, competitive pricing, and smooth claims support. Licensed and regulated by the Central Bank of the UAE, Shory is trusted nationwide with a 4.9 rating from over 10,000 reviews and instant policy issuance.
Compare top UAE insurers instantly
Get instant car insurance quotes in the UAE from multiple trusted insurers, compare policies in one place, and find cheaper car insurance in minutes while saving on your premium..
Save time with a fully digital experience
Buy car insurance online in minutes with no paperwork, no delays, and a simple end-to-end process.
Transparent pricing with better deals
Compare plans side by side, see clear pricing with no hidden fees, and find the best car insurance UAE plans that fit your budget.
Compare and buy car insurance online instantly with Shory
Comparing car insurance in Dubai, Abu Dhabi, and across the UAE allows you to find the best coverage at the most competitive price. With Shory, you can compare multiple insurers in one place, making it easier to evaluate benefits, pricing, and policy features without the need to visit different providers.
Features
Instant car insurance quotes
Instant comparison
100% Online
No phone calls required
No paperwork
Top insurance providers
Best motor insurance price guarantee
Instant motor policy issuance
Traditional
insurance
Shory
insurance
Flexible payment options
Choose from a range of flexible payment options when buying best car insurance with shory. Pay using Visa, Mastercard, or Apple Pay, or split your premium into 4 interest-free instalments for added convenience. With Shory, you can buy car insurance online and manage your payments, making it easier to get covered without paying everything upfront.. Your purchase, your way!
Car insurance guide
Car insurance doesn't have to be confusing. Check out our guide for clear and up to date answers to all your questions.
Car Insurance in the UAE: A Complete Guide
If you own a car or are contemplating a purchase in the UAE, understanding the nuances of car insurance is not just a matter of compliance with the law but a crucial step towards securing your financial well-being. The UAE's motor vehicle laws mandate that every vehicle on the road must have at least third-party insurance, and failure to adhere to this requirement can lead to severe consequences, including hefty fines, license suspension, and even imprisonment in certain cases. In this article, we’ll take a look at everything you need to know before getting a car insurance in the UAE:
How to Get Car Insurance Quotes Online in UAE
In the digital age, convenience is key, and that extends to obtaining car insurance quotes in the United Arab Emirates (UAE). Gone are the days when you had to visit multiple insurance offices or make endless phone calls to get insurance quotes. Now, you can easily get car insurance quotes online in the UAE with just a few taps. In this article, we'll walk you through the steps to ensure you find the best car insurance policy that suits your needs and budget while saving time and effort.
Car Insurance Exclusions in the UAE
Having comprehensive car insurance often ensures peace of mind but some unexpected exclusions can dampen your driving experience if you weren't aware of those to begin with. comprehensive insurance covers a variety of road-related outcomes, but there are various scenarios that can lead to unexpected repair costs, legal challenges, and insurance complexities. So, to stay safe and covered, it’s best to be aware of those scenarios in advance and look for ways to deal with them. In this article, we’ll take a look at all the car insurance exclusions that you must be aware of:
FAQs on Car Insurance in the UAE
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