Car insurance in Saudi Arabia is not just a legal requirement — it’s also essential financial protection. With many companies offering different plans and prices, choosing the right insurer can save you money and give you peace of mind.
In this guide, we compare the top 5 car insurance companies in Saudi Arabia, including coverage types and estimated price ranges to help you make the best decision.
Types of Car Insurance in Saudi Arabia
Before choosing a company, it’s important to understand the two main types of car insurance:
1️⃣ Third-Party Insurance (TPL)
- Covers damage you cause to others
- Required by law
- Cheapest option
- Does NOT cover damage to your own car
💰 Estimated yearly price: SAR 500 – SAR 1,500
2️⃣ Comprehensive Insurance
- Covers your car and third-party damages
- Includes theft, fire, accidents, and natural disasters
- Required for leased or financed vehicles
💰 Estimated yearly price: SAR 2,000 – SAR 6,000+ (depends on car and driver)
🏆 Top 5 Car Insurance Companies in Saudi Arabia
1️⃣ Tawuniya Insurance
One of the largest and most trusted insurers in the Kingdom.
- Wide repair network
- Fast claim processing
- Strong customer support
- Third-party: from SAR 900
- Comprehensive: from SAR 3,000
Best for drivers looking for reliability and strong coverage options.
2️⃣ Bupa Arabia (Motor Insurance Partner Plans)
Although famous for health insurance, Bupa partners with insurers for strong vehicle coverage options.
- Premium service reputation
- Good add-on benefits
- Trusted brand name
- Third-party: from SAR 1,000
- Comprehensive: from SAR 3,500
Ideal for customers who value brand trust and premium service.
3️⃣ Malath Insurance
A popular choice for affordable policies.
- Competitive pricing
- Easy online purchase
- Suitable for older vehicles
- Third-party: from SAR 600
- Comprehensive: from SAR 2,500
Best for drivers looking for budget-friendly insurance.
4️⃣ Najm (Claims & Accident Support Network)
Najm works with insurance companies to handle accident claims and reports across Saudi Arabia.
- Fast accident reporting
- Government-recognized system
- Widely accepted by insurers
While Najm is not a direct insurer, many top companies rely on Najm for smooth claim handling — an important factor when choosing insurance.
5️⃣ Al Rajhi Takaful
Backed by Al Rajhi’s strong financial reputation.
- Shariah-compliant insurance
- Competitive comprehensive plans
- Good digital services
- Third-party: from SAR 800
- Comprehensive: from SAR 2,800
Great option for drivers seeking Islamic-compliant insurance solutions.
Factors That Affect Car Insurance Prices in Saudi Arabia
- 🚗 Car type and model
- 📅 Vehicle year
- 👤 Driver age
- 🧾 Driving history (accidents & violations)
- 📍 City of registration
Luxury and sports cars always cost more to insure.
How to Get the Best Car Insurance Deal
Follow these tips to lower your premium:
✔ Compare multiple quotes before buying
✔ Choose a higher deductible to reduce price
✔ Keep a clean driving record
✔ Install safety features in your vehicle
✔ Renew before your policy expires to avoid penalties
Final Thoughts
The best car insurance company in Saudi Arabia depends on your budget, vehicle type, and coverage needs.
- Want lowest price? → Malath
- Want trusted reputation? → Tawuniya
- Want Islamic-compliant option? → Al Rajhi Takaful
Always compare offers and read policy details carefully before purchasing.
A small difference in coverage today can save you thousands of riyals in the future.