How Much Does Car Insurance Cost in Saudi Arabia?
Car insurance in Saudi Arabia is compulsory by law — every car on the road must have at least third-party (ضد الغير) cover. But the price you actually pay varies widely depending on the type of cover and your own profile.
Here are the real numbers, what each type includes, and what changes the price.
The Two Types of Cover (and Their Costs)
| Type | What it covers | Typical cost (SAR/year) |
|---|---|---|
| Third-party (ضد الغير) | Damage you cause to other people and their property | 650 – 1,200 |
| Comprehensive (شامل) | Your own car + third party + theft, fire and natural events | 1,500 – 5,000 |
Third-party is the legal minimum and the cheapest option. Comprehensive adds protection for your own car, which is why it costs more.
Third-Party (ضد الغير): 650–1,200 SAR a Year
Third-party insurance covers only the damage you cause to others — their car, their property and their injuries. It does not repair your own car.
- Typical range: 650 to 1,200 SAR per year
- Average: roughly 800 SAR per year for a standard private car
- Cheapest providers start around 650 SAR (e.g. Al-Tawuniya)
This is the right baseline for older cars where your own car's repair cost is modest.
Comprehensive (شامل): 1,500–5,000 SAR a Year
Comprehensive covers everything third-party does, plus your own car — collision damage, theft, fire and natural events like floods and sandstorms.
- Typical range: 1,500 to 5,000 SAR per year
- Average: roughly 2,500 SAR per year for a mid-range family car
- As a rough guide, it runs about 2–4% of your car's value each year
For a 90,000 SAR car, expect to pay roughly 1,500–2,500 SAR a year for comprehensive cover.
What Changes the Price
Your final quote depends on several factors, not just the type of cover:
- Driver age — younger drivers (under 25) pay noticeably more
- Car type and value — sports and luxury cars cost more to insure
- Accident history — a clean record keeps your price down
- City — rates differ between Riyadh, Jeddah and smaller cities
- Deductible (التحمل) — a higher deductible (e.g. 1,000 SAR) lowers the premium
💡 Planning to finance a car? See your real monthly cost including insurance in our auto loan calculator.
Frequently Asked Questions
Is car insurance mandatory in Saudi Arabia?
Yes. Third-party (ضد الغير) is legally required to drive on public roads. Comprehensive is optional but strongly recommended for newer or financed cars.
How much is the cheapest car insurance in Saudi Arabia?
Third-party cover starts at around 650 SAR per year from budget providers like Al-Tawuniya.
Do I need comprehensive insurance for a financed car?
Almost always yes — banks and finance companies usually require comprehensive insurance as a condition of the car loan.
What is a deductible (التحمل)?
The amount you pay out of your own pocket per claim before the insurer pays the rest. A standard comprehensive deductible in Saudi Arabia is 1,000 SAR.
Work out your full car budget — loan plus insurance — with the RateLedger auto loan calculator.