Free online tool · UAE

Car Insurance Calculator in UAE

In UAE, third-party car insurance starts from about AED 640 a year, and comprehensive cover runs up to about 3.2% of the car's value a year, from AED 1,400. Pick your car to compare estimates from leading providers.

Estimate my premium

Takes under a minute. No sign-up, no phone number.

Figures checked September 2026

YallaMotor Insurance Calculator

Which car do you want to insure?

Make, model and year — no personal details

Estimated insured value

AED 64,596

2024 Toyota Corolla

New value
AED 76,900
catalogue price
Age
2 years
16% below new
Comprehensive from
AED 1,900 / year
Third-Party from
AED 580 / year
Get real quotes on eSanad

Compare live prices from UAE insurers on eSanad, our insurance partner.

Estimated annual premiums

14 estimates across 8 providers, cheapest first

  1. Watania TakafulCheapest

    Third-Party

    AED 580 / year

  2. Noor Takaful

    Third-Party

    AED 590 / year

  3. Salama

    Third-Party

    AED 610 / year

  4. Orient Insurance

    Third-Party

    AED 640 / year

  5. Sukoon

    Third-Party

    AED 670 / year

  6. RSA

    Third-Party

    AED 690 / year

  7. GIG Gulf

    Third-Party

    AED 700 / year

  8. Noor Takaful

    Comprehensive

    AED 1,900 / year

  9. Salama

    Comprehensive

    AED 1,960 / year

  10. Dubai Insurance

    Comprehensive

    AED 2,010 / year

  11. Orient Insurance

    Comprehensive

    AED 2,070 / year

  12. Sukoon

    Comprehensive

    AED 2,170 / year

  13. RSA

    Comprehensive

    AED 2,230 / year

  14. GIG Gulf

    Comprehensive

    AED 2,270 / year

Premiums are YallaMotor's estimates from the car's value, priced at the upper end of market rates, so real quotes can be lower. They are not quotes from the providers. Final pricing depends on the driver's age, licence, claims history and the cover's terms.

How to estimate your car insurance premium

  1. Pick your car

    Make, model and model year — from YallaMotor's own car catalogue for UAE.

  2. We value it

    The car's new price is depreciated for its age to the value an insurer would cover.

  3. We estimate every provider

    Comprehensive and Third-Party premiums for each provider, cheapest first, so you know what to expect before you ask for quotes.

Comprehensive or Third-Party?

Third-Party is the legal minimum in UAE: it pays for damage you cause to others, nothing for your own car. Comprehensive adds your own car — accident, theft, fire, natural events — and usually agency repair options and a rental car. The gap between them is largest on newer, pricier cars, where the car's own value is what you are insuring.

  • Third-Party

    Covers damage and injury you cause to other people and their property. Cheapest, fixed-band pricing; your own car is not covered.

  • Comprehensive

    Covers your own car as well, priced as a share of its value. Worth it when the car is worth more than a few years of the premium difference.

A car under finance almost always needs Comprehensive cover — lenders require it.

What affects your car insurance premium?

  • The car's value and age

    Comprehensive premiums follow the insured value, which falls with age — the biggest lever in this estimate.

  • Driver profile

    Age, years of driving licence in UAE and nationality change quotes by a wide margin; new licence holders pay the most.

  • Claims history

    A claim-free record earns no-claims discounts; recent claims add loading.

  • Cover options

    Agency repair, GCC cover, roadside assistance, rental car and a lower excess all add to the base premium.

Frequently asked questions

How much does car insurance cost in UAE?

Third-Party cover for a typical private car starts from a few hundred a year and rises with the car's value; Comprehensive cover is usually a few percent of the car's insured value a year, with a minimum premium. This calculator estimates both for your exact make, model and year across leading providers.

Are these real quotes?

No. They are YallaMotor's estimates from the car's value, priced at the upper end of UAE market rates, so real quotes can be lower. Use them to compare providers and cover types before you ask for real quotes. Actual quotes depend on the driver's age, licence, claims history and the cover's terms.

How is the insured value calculated?

From the car's new price in UAE, depreciated by about 8% for every year of age and never below 35% of the new price. That is the value a Comprehensive policy would cover.

Why is Third-Party so much cheaper than Comprehensive?

Third-Party only pays for damage you cause to others, so its price is a fixed band by the car's value. Comprehensive also insures your own car, so its premium is a share of the car's value — the more the car is worth, the bigger the gap.

Why can't I find my car?

The calculator uses YallaMotor's car catalogue for UAE. When a model year has no price, it uses the newest year's price and says so under the year; only a model with no price in any year can't be estimated.

Does the estimate include my driving history?

No — only the car. Driver age, licence history and past claims change real quotes significantly, which is why the estimates are a comparison tool, not a price.

Can I link straight to the estimate for a car?

Yes. Add make, model and year to the page address, and version for a specific trim, in lower case with hyphens as in YallaMotor's car pages (toyota, corolla). The page opens with the car picked and its estimates shown, and the address follows your changes, so you can copy it and share it. For example: https://uae.yallamotor.com/tools/car-insurance?make=toyota&model=corolla&year=2024

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