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UAE Car Insurance Calculator

Estimate comprehensive vs third-party motor insurance in the UAE.

UAE motor insurance comes in two flavours: third-party liability (the legal minimum, roughly a flat annual fee) and comprehensive (typically 3–5% of the car's value per year, covering your own car too). Enter your car's value to see indicative annual premiums for both.

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Estimated annual premium—
Indicative range—
Monthly equivalent—
Note: indicative estimates only — real quotes vary by insurer, car age, agency vs non-agency repair and emirate. Always compare live quotes.
Formula: Comprehensive ≈ car value × 4% (range 3–5%), adjusted ×1.25 with recent claims. Third-party ≈ AED 850 flat (range 650–1,050), ×1.2 with recent claims.

Worked example

Example: A car worth AED 80,000 with a clean record: comprehensive ≈ AED 3,200/year (range 2,400–4,000); third-party ≈ AED 850/year.

Frequently asked questions

Is car insurance mandatory in the UAE?

Yes — at least third-party liability is legally required to register and drive a car.

What does comprehensive cover?

Your own car's damage (accident, theft, fire, natural calamity) plus third-party liability. Agency repair costs more than non-agency.

Why do quotes vary so much?

Insurer, car age and value, driver age and claims history, and agency vs non-agency repair all move the price.

Can I transfer my no-claims history?

Many UAE insurers honour no-claims certificates from recognised insurers, including from abroad — ask for the discount.

Disclaimer: Results are estimates for guidance only and not financial advice. Rates, fees and rules vary by bank and over time — always confirm important decisions with a qualified professional.