AXA (Gulf Insurance Group)

AXA continues to lead the market with its strong presence and global reliability.

• Offers full coverage against accidents, fire, and theft
• Includes 24/7 roadside assistance
• Has a user-friendly mobile app for quick claims and policy management

Oman Insurance Company (OIC)

With over 45 years of local experience, OIC is one of the most trusted insurers in the UAE.

• Provides both third-party and comprehensive plans
• Offers add-ons like natural disaster coverage
• Known for fast and fair claims settlements

Dubai National Insurance (DNIR)

A solid choice for residents of Dubai and the Northern Emirates.

• Offers flexible plans for individuals and businesses
• Options to include driver and passenger cover
• Competitive pricing for compact or economy vehicles

RSA Insurance

RSA is known for its innovation, especially when it comes to high-end and electric cars.

• Tailored packages for luxury and EV models
• Quick and easy online claim submissions
• Includes GCC-wide coverage for frequent regional travelers

Salama Islamic Arab Insurance

Perfect for drivers looking for Sharia-compliant coverage.

• Offers Takaful (Islamic insurance) for cars
• Transparent pricing with no hidden charges
• Complete online support services

Union Insurance

A fast-growing player in the UAE’s insurance scene.

• Competitive pricing across different vehicle categories
• Optional extras like replacement car during repairs
• Positive feedback on customer service and responsiveness

Prices vary based on the type of coverage, car model, location, and driver history. Here’s what you can expect in 2025:

• Comprehensive coverage for an average car: AED 1,800 to AED 4,500 per year
• Third-party liability insurance: starting from AED 450 to AED 1,000 annually
• Special Dubai deals: basic coverage starting as low as AED 630 for select models
• Electric vehicles: insurance prices dropped by up to 9% for renewals in 2025, with new policies averaging around AED 5,270

What affects the price?

• Type of coverage: Comprehensive is more expensive than third-party
• Car model and value: Luxury and sports cars cost more to insure
• Driver history: Clean driving records can earn discounts
• Location: Urban areas like Dubai often come with higher premiums
• Add-ons: Flood protection, replacement vehicles, and GCC coverage increase the cost
• Fuel type: EVs sometimes cost more due to battery components or repair availability

Tips for picking the right insurance provider

• Know your needs: Decide whether you need full coverage or just third-party liability
• Compare plans: Look beyond the price—check claim processing times, add-ons, and customer service
• Check reviews: Fast claims are a good sign of a reliable company
• Use online tools: Most insurers now offer instant quotes and digital policy management

Which are the best car insurance companies in the UAE for 2025?

Top providers include AXA, Oman Insurance, DNIR, RSA, Salama, and Union Insurance. All offer a range of plans from basic to comprehensive.

What is the difference between comprehensive and third-party insurance in the UAE?

Comprehensive covers damage to your own car and others, while third-party only covers damage you cause to other vehicles or property.

How much does car insurance cost in the UAE in 2025?

Average costs range from AED 1,200 to AED 3,500 depending on the car type, your driving record, and the insurance company. Luxury vehicles usually cost more.

Are there Sharia-compliant car insurance options in the UAE?

Yes, Salama and other providers offer Takaful plans that follow Islamic insurance principles.

How can I choose the right car insurance company in the UAE?

Start by identifying the coverage you need, then compare providers based on prices, extras, and customer satisfaction. Always read the fine print.

Can I buy or renew car insurance online in the UAE?

Yes, most companies like AXA, RSA, and Oman Insurance offer full online services including quotes, payments, and policy renewals.