Car insurance is mandatory in Saudi Arabia — whether you’re a local or an expat. But with rising costs and varying policy types, many people are asking the same question: “How can I find low price car insurance in Saudi Arabia?”
In this guide, we’ll help you understand how to get the cheapest car insurance possible without sacrificing quality. Whether you’re driving a sedan in Riyadh or an SUV in Jeddah, these tips will help you save.
✅ Is Low Price Car Insurance Legal and Safe in Saudi Arabia?
Yes! Low-cost car insurance is legal and regulated in Saudi Arabia — as long as it comes from a licensed insurance provider approved by SAMA (Saudi Central Bank).
Many people assume that cheap insurance is risky or unreliable. That’s not true if you stick with companies that meet official requirements. You can absolutely find affordable, safe, and legal insurance if you know where to look.
💡 5 Proven Tips to Get Low Price Car Insurance in Saudi Arabia
1. Compare Quotes Online
Use licensed insurance comparison websites to find the best deal. Prices can vary by hundreds of riyals for the same car and driver profile.
Try platforms like:
2. Choose Third-Party Insurance
If your car is older or less valuable, third-party insurance may be all you need. It’s significantly cheaper than comprehensive coverage and meets legal requirements.
3. Increase Your Deductible
A higher deductible (the amount you pay out-of-pocket for a claim) usually means a lower premium. Just make sure it’s an amount you can afford in case of an accident.
4. Maintain a Clean Driving Record
Insurance companies offer lower prices to drivers with no claims or violations. Avoid traffic fines and drive safely to unlock better rates.
5. Skip Unnecessary Add-ons
Think twice before adding features like roadside assistance or rental coverage. Only choose what you truly need to reduce your overall cost.
🏆 Best Low Price Car Insurance Companies in Saudi Arabia (2025)
Here are some top-rated, affordable providers offering low-cost car insurance:
| Company | Coverage Types | Known For |
|---|---|---|
| Tawuniya | Third-party & Full | Trusted, fast claims |
| Al Rajhi Takaful | Third-party & Full | Sharia-compliant, competitive |
| MedGulf | Mostly Comprehensive | Good support, strong network |
| Walaa Cooperative | Third-party & Full | Easy online services |
| Malath Insurance | Budget Options | Affordable for older vehicles |
📝 Tip: Prices vary based on your age, car model, and city — so always compare.
🖥️ Use Online Tools to Compare Prices Instantly
Comparing prices manually is time-consuming. Instead, use tools that show real-time offers from multiple insurers.
Recommended platforms:
- Tameeni – Officially licensed, easy UI, supports English & Arabic
- Wakeb – AI-powered platform with competitive pricing
- Rukam – Good for expats and new drivers
These platforms allow you to compare in minutes and often offer exclusive discounts.
📊 What Affects Your Car Insurance Price in Saudi Arabia?
Several factors influence the final cost of your insurance:
- 🚗 Car Type & Value – Luxury or sports cars cost more to insure
- 👤 Driver Age & Gender – Younger drivers usually pay more
- 📍 City or Region – Insurance in Riyadh or Jeddah might differ from Dammam
- 📅 Driving History – Accidents or violations raise your premium
- 🛡️ Type of Coverage – Comprehensive is more expensive than third-party
- 🚘 Car Usage – Business use = higher risk
❌ Avoid These Common Mistakes
Many people unknowingly pay more than they should. Watch out for:
- ❌ Choosing full coverage for an old car unnecessarily
- ❌ Forgetting to update personal info (marital status, job, etc.)
- ❌ Ignoring no-claim discounts at renewal
- ❌ Not comparing quotes annually
❓ Frequently Asked Questions (FAQs)
👉 What is the cheapest car insurance in Saudi Arabia?
It depends on your profile, but companies like Malath, Al Rajhi Takaful, and Walaa often offer budget-friendly options.
👉 Is third-party car insurance enough in Saudi Arabia?
Yes, it meets legal requirements. It’s ideal if your car is older or you’re looking for the lowest cost.
👉 Can expats get cheap car insurance in KSA?
Absolutely. Expats can access the same low-cost insurance options through comparison platforms.
👉 Which site is best for comparing car insurance in Saudi Arabia?
Tameeni is the most popular and user-friendly for comparing licensed providers.
🔚 Conclusion
Getting low price car insurance in Saudi Arabia isn’t hard — if you follow the right steps. Always:
- Compare quotes online
- Choose the right type of coverage
- Avoid unnecessary extras
- Keep a clean driving record
Start today by visiting a trusted comparison site and save up to 40% on your premium!
