Car Insurance in KSA – Complete Guide for 2025

Introduction

Car insurance in the Kingdom of Saudi Arabia (KSA) is not just a legal requirement—it's essential for protecting your finances, health, and peace of mind. With millions of vehicles on the roads of Riyadh, Jeddah, and Dammam, accidents can happen at any time. This 2025 guide will walk you through everything you need to know about car insurance in KSA, including types, pricing, best companies, legal procedures, and how to choose the right plan.

Is Car Insurance Mandatory in Saudi Arabia?

Yes. According to Saudi traffic law, all vehicles must be insured with at least a basic Third-Party Liability Insurance (TPL). If you're caught driving without insurance, you may face:

• Fines up to SAR 1,000

• Vehicle impoundment

• Legal liabilities in case of an accident

---

Types of Car Insurance in KSA

1. Third-Party Liability Insurance (TPL)

• Minimum legal requirement

• Covers damages to the other party (vehicle, property, injuries)

• Does NOT cover your own car

• Suitable for older or low-value vehicles

2. Comprehensive Insurance

• Covers both third-party and your own vehicle

• Includes coverage for:

  • Accidents (fault and no-fault)

  • Theft

  • Fire and natural disasters (floods, sandstorms)

  • Vandalism

• More expensive but offers full protection

---

What’s Included in a Typical Policy?

a. Core Coverage

• Accident coverage (based on fault)

• Vehicle repair or replacement

• Third-party bodily injury compensation

b. Optional Add-ons

• Personal Accident Cover

• Roadside Assistance

• Replacement Vehicle During Repairs

• GCC Extension (coverage while driving in UAE, Oman, Bahrain, etc.)

• Natural Disaster Cover

---

How Much Does Car Insurance Cost in KSA?

Prices depend on vehicle type, model, driver history, and insurer. Here’s an approximate range:

---

Top Car Insurance Companies in KSA (2025)

1. Tawuniya Insurance

• One of the oldest and largest in the Kingdom

• Wide network of repair centers

• Known for responsive customer service

2. Malath Insurance

• Competitive rates

• Offers comprehensive digital claims service

• Great for young or first-time drivers

3. MedGulf

• Strong presence in Riyadh and Jeddah

• High claim approval rate

• Offers premium roadside assistance plans

4. Allianz Saudi Fransi

• Internationally backed, excellent for expats

• Fast digital policy issuance and renewals

• Clear contract terms

5. Najm Cooperative

• Strong integration with Najm accident reporting system

• Known for fast response and fair claim settlements

---

How to Get Car Insurance in Saudi Arabia

Step 1: Gather Required Documents

• National ID or Iqama

• Valid Saudi driving license

• Istimara (vehicle registration)

• Vehicle inspection report (if needed)

Step 2: Compare Prices Online

Use portals like:

• Najm.sa

• Tameeni.com

• Rasan.com

Step 3: Choose and Pay

• Most insurers accept Sadad, credit cards, or bank transfers

• Policy documents are emailed or available in your Absher account

---

How to File a Claim in KSA

Step 1: Report the Accident

• Call Najm (920000560) or report via Najm App

• You’ll receive an official accident report with fault assessment

Step 2: Inform the Insurance Company

• Submit the Najm report and claim documents

• Include photos, videos, and witness statements (if any)

Step 3: Get Repairs Approved

• Choose from approved repair shops or dealerships

• Track the claim online in most cases

---

Key Tips for Saving on Car Insurance in KSA

• Bundle insurance (home, life, car) for discounts

• Avoid traffic violations: Clean driving record = lower premiums

• Use a car tracking device (some insurers offer discounts)

• Compare annually instead of auto-renewing

---

Common Mistakes to Avoid

• Ignoring the policy fine print (limits, exclusions, deductible)

• Not renewing in time (driving uninsured even for one day is risky)

• Choosing the cheapest policy blindly without checking claim service

• Not informing insurer about modifications or multiple drivers

---

FAQs About Car Insurance in Saudi Arabia

Q: Can women buy car insurance in KSA?
Yes, since the lifting of the driving ban, women can buy and register cars and insurance freely.

Q: Can I drive another person’s car with my insurance?
Only if your policy specifically includes coverage for other vehicles or has a "driving other cars" clause.

Q: Does insurance cover natural disasters like sandstorms?
Only if explicitly stated. Comprehensive policies often offer it as an add-on.

---

Conclusion

Car insurance in Saudi Arabia is evolving rapidly with digital platforms, better service, and competitive pricing. Whether you're a citizen or an expat, understanding your options can save you time, money, and a lot of stress in the unfortunate event of an accident. Always compare, customize, and choose wisely for maximum protection in 2025.