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Best Car insurance Spain: Online Quote

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An overview of car insurance in Spain

In Spain, car insurance is a legal requirement for all vehicle owners. The minimum mandatory coverage is third-party liability insurance, which covers damages or injuries to third parties in an accident. However, there are more comprehensive options available for those seeking additional protection.

Factors Influencing Premiums

Several factors affect car insurance premiums in Spain, including:

  • Vehicle Type: The make, model, age, and engine size of the car.
  • Driver’s Profile: Factors like age, driving experience, and claims history.
  • Geographical Location: Risks associated with different areas impact insurance costs.
  • Coverage Options: Additional coverage like roadside assistance or legal protection.

Insurance Market

Spain’s car insurance market is competitive, with a mix of international and local insurers. Many providers cater to the expatriate community, offering policies and customer support in English.

Getting Insured

The process of obtaining car insurance typically involves:

  • Quotation and Application: Requesting quotes online or via agents.
  • Documentation: Providing necessary documents like ID, driving license, and vehicle registration.
  • Policy Issuance: After payment, the insurer issues the policy documents, including the green card for international travel.

Claims and Assistance

In the event of an accident, policyholders should immediately contact their insurer for assistance. Insurers provide guidance through the claims process, requiring documentation and details of the accident.

Renewals and Cancellations

Policyholders should review their insurance regularly, especially at renewal times, to ensure they have the best coverage at competitive rates. Comparing quotes from different insurers can lead to better deals.

Additional Considerations

  • Foreign Registered Vehicles: Some insurers offer coverage for foreign or European registered vehicles, though this may have specific requirements and limitations.
  • Driver Only Insurance: This covers only the named driver and excludes passengers unless specified.
  • Saving on Premiums: Consulting with insurance experts and comparing different quotes can help in finding affordable options without compromising on coverage.

Average cost of car insurance in Spain

Understanding the average cost of car insurance in Spain requires considering various factors that can influence the final price. The cost of car insurance in Spain can vary widely depending on several elements such as the type of coverage selected, the driver’s experience, the make and model of the car, and additional factors like geographical location, purpose of the vehicle, and the insurance company’s policies.

  1. Type of Coverage: Like most countries, Spain offers different types of car insurance coverage including third-party liability, which is the minimum legal requirement, comprehensive coverage, and third-party fire and theft. Each type of coverage has a different cost, with comprehensive coverage typically being the most expensive due to its extensive nature.
  2. Driver’s Profile: Insurance companies consider the driver’s age, driving experience, and history of claims when determining the cost. Younger drivers or those with a history of accidents or traffic violations tend to face higher premiums.
  3. Vehicle Characteristics: The make, model, and age of the car play a significant role in the cost of insurance. High-end or powerful cars usually attract higher premiums due to the higher cost of repairs and maintenance, as well as the increased risk of theft.
  4. Geographical Location: The area where the driver lives and where the car is primarily used can affect insurance costs. Urban areas with higher traffic density and risk of accidents or theft may result in higher premiums compared to rural areas.
  5. Purpose of the Vehicle: The use of the car, whether for personal or commercial purposes, can influence the insurance cost. Commercial vehicles might have higher premiums due to the increased risk associated with business use.
  6. Insurance Company’s Policy: Each insurance company has its own method for calculating premiums. Shopping around and comparing quotes from different insurers can help find the most competitive rates.
  7. Additional Factors: Other aspects like the inclusion of extra features (roadside assistance, legal aid coverage, etc.), the driver’s credit score, and the frequency of payment (monthly, quarterly, annually) can also influence the cost.

While it’s challenging to pinpoint an exact average cost due to these varying factors, it’s essential for individuals seeking car insurance in Spain to consider these elements when exploring their options. In BMI Brokers we provide valuable information and the ability to request quotes, which can be a useful starting point for understanding the range of prices available in the Spanish car insurance market.

Types Car insurance in Spain and some additional extras

There are various types of car insurance in Spain available and the purpose of this text is to go through some of the differences.

Whilst we all want to pay a low price for our car insurance in Spain make sure it includes what you would expect. You only find out if your insurance is any good when you make a claim.

In Spain there is a legal requirement to insure your vehicle. Whilst a basic policy may allow you to circulate on the road it probably won’t offer you the cover most people would want from an insurance policy.

How car insurance works in Spain

How car insurance works in Spain: A guide por expats

In Spain, as in many countries, insurance is a vital aspect of responsible vehicle ownership. The Spanish insurance market follows a structure similar to other nations, with a focus on providing coverage options that cater to diverse needs. The obligation for getting the insurance is for the owner of the car. Although another person or […]

Third Party (Basic)

This is the legal minimum required in Spain. With this type of cover you are insured if you damage another person’s vehicle, for example. In simple terms, if there is a claim and it is deemed your fault the insurance company will pay out. The other driver will have their vehicle repaired.  However, any damage to your vehicle will have to be paid by you.

This type of policy only covers third party damage. Whilst it is the cheapest type of policy it could leave you with a large repair bill.

A basic third party policy will also not cover your vehicle in the event of theft or damage by fire.

Third Party Fire and Theft

This level of car insurance in Spain provides the legal minimum of third party insurance. In addition, you have the added benefit that if the vehicle is destroyed by fire or stolen that you are covered.

Third party, fire, theft and total loss

One more step up and you can also include total loss cover. This is not fully comprehensive cover. The difference here is that the additional of total loss cover on top of the third party protections explained before. In the event of the insurer declaring the vehicle a write-off (not worth repairing) then they will pay out an agreed sum to the policy holder. However, if you damage the vehicle but it is not a total loss then you will have to pay to repair the damage.

Fully Comprehensive

If your car is new or fairly new, then you will probably want to consider fully comprehensive car insurance in Spain. Not only do these policies cover your obligations in respect of damage to others it also includes protection for your own damage. So even if an accident is deemed your fault you will have a level of protection for your vehicle.If for example, you drove into the back of another car then it will almost certainly be deemed your mistake. As a result, your insurance company will liaise with the other person’s company to repair their vehicle. In addition, your insurance company will organise the repair of your vehicle.  All you have to do is pay the excess. This the amount you pay to repair your vehicle before the insurance company pays. If the damage to your car is less than this amount, then it will not be worth making a claim and you can pay for the repair. If, however, it the repair bill is higher than the excess then the insurance company will pay the difference.The level of excess is agreed by you with the broker at the outset. For a new car it is possible to ask for an excess of zero. The insurance company would then pay all the cost of the damage, even if the accident was your fault. However, in order to reduce the price of car insurance in Spain most people opt for an excess of between 100 and 300 euros. Clearly the higher the amount of excess the lower the premium.

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Car Insurance bonuses and penalties in Spain

Understanding the system of bonuses and penalties for car insurance in Spain is essential for drivers looking to make informed decisions regarding their insurance policies.

No Claims Bonus (NCB) System in Spain

One of the most significant aspects of car insurance in Spain is the No Claims Bonus (NCB) system. This system rewards drivers who do not make any insurance claims over a certain period. The longer a driver goes without filing a claim, the higher the discount they receive on their insurance premium.

  • Accumulating NCB: For each year that a driver doesn’t make a claim, they accumulate a percentage of NCB, which can significantly reduce their insurance premiums over time.
  • Maximum Discount: Typically, the maximum NCB discount can reach up to 60%, but this can vary depending on the insurance company.
  • Transferability: In some cases, NCBs earned in other countries can be transferred to Spanish car insurance policies, especially within the EU.

Penalties for Claims and Traffic Violations

Conversely, drivers who make claims or have traffic violations may face penalties, which can increase their insurance premiums.

  • Impact of Claims: Filing a claim can lead to a reduction in the accumulated NCB, resulting in higher premiums in subsequent years.
  • Traffic Violations: Serious traffic violations can also impact insurance costs, as they may lead to insurers categorizing the driver as high-risk.

Specific Policy Features

  • Driver-Only Insurance: Some policies offer a “driver-only” insurance option, which could be less expensive but also means coverage is limited to the named driver only, with no protection for passengers.
  • Additional Driver Inclusion: Adding an additional driver to a policy usually does not increase the premium unless the added driver is under 25 years old.

Finding Competitive Rates

  • Comparison and Shopping Around: It’s advisable for drivers to shop around annually for car insurance to find the best rates. Loyalty to one insurer doesn’t always guarantee the best deal, as insurance companies often offer more competitive rates to attract new customers.
  • Utilizing Expert Services: Consulting with insurance experts and using services that compare various insurance offers can lead to substantial savings and more suitable coverage options.

How to choose spanish car insurance

Choosing the right car insurance in Spain can be a daunting task, especially for foreigners or expats. It requires understanding the local insurance market, identifying your specific needs, and navigating various policy options.

Determine Your Insurance Needs

  • Assess factors like the car’s value, your driving frequency, and risk tolerance.
  • Consider specific needs like coverage for foreign or European registered vehicles if applicable.

Compare Quotes

  • Use online platforms or consult with insurance agents to get different quotes.
  • Compare not just the prices but also the coverage details and exclusions.

Consider No-Claims Bonuses

  • Check for insurers offering no-claims bonuses as they can significantly reduce premiums over time.

Evaluate Additional Benefits

  • Look for benefits like roadside assistance, legal cover, or a courtesy car.
  • Assess the cost-effectiveness of these additional features.

Check the Insurer’s Reputation

  • Research the insurer’s customer service, claims process, and overall reliability.

Understand Policy Limitations

  • Read the fine print to understand any exclusions, limitations, and conditions.

Factor in Driver Specifics

  • Consider the impact of adding additional drivers to your policy.
  • For young or inexperienced drivers, the premium might be higher.

Online vs. Traditional Brokers

  • Decide whether to opt for the convenience of online services or the personalized approach of traditional brokers.

Review Annually

  • Regularly review and compare policies to ensure you still have the best deal.

Be Cautious of Cheap Offers

  • While low-cost options might be tempting, they might not offer adequate coverage. Ensure the policy covers all your needs.

Utilize Expert Services

  • Experts can provide insights into the best available options and assist in the paperwork and legalities.

Applying for Car Insurance in Spain

Applying for car insurance in Spain involves several steps, each important to ensure you receive the appropriate coverage for your needs.

1. Understanding Insurance Options

  • Different Types of Coverage: In Spain, you can choose from third-party liability (minimum legal requirement), comprehensive insurance, or extended third-party insurance, which includes theft, fire, and glass breakage.
  • Insurance for Foreign or European Registered Vehicles: If your car is registered outside of Spain, you need to check if your insurance company provides coverage for it. Some insurers specialize in insurance for British registered cars.

2. Getting an Insurance Quote

  • Online Quotes: You can start by getting an insurance quote online. Websites like Insurance in Spain offer a platform where you can fill in details about your car and personal information to receive a quote.
  • Quotes for Specific Car Types: Depending on your car type, such as luxury, 4×4, or sports cars, you might need to look for specific insurers that cater to these categories.

3. Choosing the Right Insurance

  • Comparing Offers: Not all car insurance policies are equal. It’s essential to compare what different insurers offer in terms of coverage, premiums, and additional benefits.
  • Understanding Policy Details: Ensure you understand the policy’s cover, including any exclusions or limitations. Pay special attention to mandatory inclusions like breakdown recovery insurance.

4. Additional Considerations

  • Driver-Only Insurance: Some policies offer driver-only insurance, which might be cheaper but limits coverage to the named driver only.
  • Adding Additional Drivers: If you need to add additional drivers, especially those under 25, this might increase the premium.
  • No Claim Bonuses: If you have a history of no claims, you might be eligible for discounts on your insurance premium.

5. Finalizing the Insurance

  • Documentation: Prepare necessary documentation, including your ID, driving license, and vehicle registration.
  • Language Consideration: If you are not fluent in Spanish, look for insurance providers or agents that offer services in English.

6. Renewing and Shopping Around

  • Annual Renewals: Insurance premiums and policies can change annually, so it’s wise to shop around each year to ensure you’re getting the best deal.
  • Loyalty vs. New Offers: While loyalty to an insurer might seem beneficial, sometimes switching insurers can lead to better rates and coverage.

Car Insurance Spain FAQs

How can I obtain a car insurance quote?

You can easily obtain a car insurance quote by filling out an online form. This process is obligation-free and provides you with a price estimate for your vehicle. Click on the provided link to access the online form.

Is car insurance mandatory in Spain?

Yes, car insurance is a legal requirement in Spain. The minimum coverage required is third-party insurance. Failure to have insurance can lead to financial penalties. If you drive uninsured, you’re personally liable for damages to other individuals and vehicles. If caught driving without insurance, you may face fines and vehicle impoundment.

Is car insurance expensive in Spain?

The cost of car insurance in Spain varies based on factors such as coverage and features. While you must have at least third-party insurance, the price increases with additional features. Newer vehicles often opt for fully comprehensive coverage, while older ones may choose third-party fire and theft coverage.

Can I pay for my car insurance in installments?

Yes, you can choose to pay for your car insurance in installments. However, keep in mind that an insurance contract typically spans 12 months, and you’re legally obligated to fulfill all installments for the annual premium. If you switch providers, you’ll need to pay the full annual premium before making the switch.

What type of car insurance should I consider?

The type of car insurance you choose depends on your vehicle’s age and your preferences. Newer cars may benefit from fully comprehensive insurance, while older vehicles might be suitable for third-party fire and theft coverage. Consider the premium costs in relation to potential compensation in case of vehicle write-off.

Can I use my no-claims bonus from another country in Spain?

Yes, many insurers in Spain may accept your no-claims bonus from an EU country or other eligible countries.

Can I insure a UK-registered car in Spain?

Yes, it’s possible to insure a UK-registered car in Spain. You may also want to explore information about importing a car to Spain.

Does the distance I drive affect the insurance price?

Yes, the estimated annual mileage you provide can influence the insurance premium.

Will my insurance be cheaper if I keep the car in a garage?

Some insurers offer discounts if your vehicle is kept in a garage overnight. However, leaving your car outside could potentially affect claims if it gets stolen. The premium discount for garage storage is usually minimal.

Does my policy cover driving in other countries?

Yes, most policies cover driving throughout the European Union and the European Economic Area (EEA). For the UK, additional requirements like a Green Card might be necessary after Brexit.

Can I insure a young driver?

Yes, it’s possible to insure a young driver, but the premium is typically higher. Often, young drivers are added as named drivers to their parents’ policies.

Can I add a driver to my policy if I have family visiting?

In Spain, the vehicle is insured rather than specific drivers. If your visitor meets the insurer’s criteria, there’s no need to add them to the policy.

Is breakdown cover included in the policy?

Most Spanish insurance policies include some form of breakdown cover. The level of coverage can vary, so ensure you have the desired level of protection.

Can I get coverage for my windshield?

Yes, many Spanish insurance companies provide protection for your windshield, often coordinating repairs or replacements with auto glass companies.

Can I get a policy with a courtesy car?

Yes, some insurers offer a courtesy car after an accident or during repairs. Check with the insurer for specific details.

How do I renew my car insurance?

Car insurance in Spain is usually automatically renewable, unless either party gives written notice. Simply ensure the premium is paid to renew.

How can I make changes to my policy?

Contact your agent, broker, or insurance company to make changes. Adjustments may lead to additional costs based on the remaining insurance contract period.

How do I cancel my insurance?

Both the insurer and the customer are committed to a 12-month car insurance contract. If you want to cancel, provide written notice and the required documentation, such as NIE/DNI or passport.

What is the minimum legal coverage required for car insurance in Spain?

The minimum legal coverage you must have is third-party protection.

Can I use my Spanish insurance to drive another car in another country?

No, Spanish car insurance typically covers the insured vehicle, not the driver. It does not extend benefits to other vehicles in Spain or elsewhere.

How do I pay road tax in Spain?

You can pay road tax through the local town hall where your car is registered. Setting up a direct debit from your Spanish bank account is recommended to avoid forgetting.

What type of coverage can I get with my car insurance in Spain?


Compulsory and voluntary third party protection, Travel Assistance km. 0, Legal Defence, Traffic Fines and third party claims for damages.

Basic + Windows

Compulsory and voluntary third party protection, Travel Assistance km. 0, Legal Defence,  Traffic Fines, third party claims for damages and Broken Windows.

Basic + Windows + Thef + Fire

Compulsory and voluntary third party protection, Travel Assistance km. 0, Legal Defence,  Traffic Fines, third party claims for damages,  Broken Windows, theft of the insured vehicle and fire.

Fuly Comprehensive with an excess

Compulsory and voluntary third party protection, Travel Assistance km. 0, Legal Defence, Traffic Fines, third party claims for damages,  Broken Windows, theft of the insured vehicle, fire and own damage to vehicle less your chosen excess.

Fuly Comprehensive

Compulsory and voluntary third party protection, Travel Assistance km. 0, Legal Defence and Traffic Fines, Claim for Damages and Broken Windows, theft of the insured vehicle, fire and own damage to vehicle with no excess.

Car Insurance in Spain

Why choose our insurance brokerage?


We work with the best insurance brands on the market.


We look for your insurance at the best price with the best guarantees among the existing offers in the insurance market.


We have a claims department to offer you services in the event of any incident, without you having to worry about anything.

Accident and breakdown assistance, windscreen protection and courtesy cars.

These days a lot of insurance companies include these services as standard. However, not all insurance companies do. If they are included, we do not recommend removing them and if they are not we suggest you ask for them to be included.

It is illegal to tow a car in Spain. Therefore, if you do not have accident or breakdown recovery you will have to pay. The tow truck may drive you first to the cash machine before taking you to your destination or the garage to ensure payment.

If a stone hits your windscreen, then your visibility may be effected or the crack may gradually get worse. If it is included in your insurance you can usually make an appointment or possibly roll up to a specialist windscreen replacement centre, such as Carglass. They will repair or replace your windscreen and organise with the insurance company directly to receive payment.

We are all reliant on our vehicles to get to work, to take the children to school or to do the weekly big shop.  If it is going to be in the garage for a number of days whilst it is being repaired, then if you don’t have a courtesy car you will have to rent one.  In some tourist areas this can be difficult in the summer and also very expensive.

Car Insurance in Spain

Best Car Insurance in Spain

In BMI we know all the concerns that you might have when looking at the different car insurance quotes in Spain and our goal is to ease your worries.

There are so many companies and so many products, that the best thing to do is to trust in an intermediary company, like BMI, who will make the policy that best fits your needs. We will considerate your priorities in order to provide you the most suitable car insurance in Spain for you.

BMI Brokers – we help you with your expat car insurance in Spain

In BMI we give our personal attention to those who are looking for expat car insurance in Spain. These are some of the advantages you will with us:

Professional specialists

We only work with the best professionals in their field.

After-sales service

BMI will give you all the assistance you need during the contract term.

Personalised policy

A personalised policy to fit at bests all your needs.


Our experience of more than 30 years in the industry is our best guarantee of quality.

Get a Quote for your Car Insurance in Spain