Updated October 21, 2026 · SumCue Editorial Team
Top car insurance compared
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score. How we rank
| Order | Provider | Score | Features | Key facts | Actions |
|---|---|---|---|---|---|
| 51 |  American FamilyPartner | 9.3/10 |
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| 52 |  Banco LafisePartner | 9.3/10 |
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| 53 |  Capita Financial ServicesPartner Smart Start Home Account mortgage interest rate discount: 0.15% to 0.25% off the mortgage interest rate | 9.3/10 |
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| 54 |  BNP Paribas Cardif DEPartner | 9.3/10 |
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| 55 |  Boursobank (Boursorama)Partner | 9.3/10 |
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| 56 |  Bulstrad Vienna Insurance GroupPartner Adding a bonus for your home - 60+5 months | 9.3/10 |
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| 57 |  Commercial Bank CBclickPartner | 9.3/10 |
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| 58 |  Groupama MRHPartner EUR 50 off the first year of a Groupama Habitation policy | 9.3/10 |
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| 59 |  HSBC Hong KongPartner Up to 16.5% p.a. FX Deposit Rate | 9.3/10 |
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| 60 |  AIBPartner | 9.3/10 |
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About Top car insurance compared
Car cover is bought in a hurry and renewed every year, so the useful question is rarely which brand is finest, but who carries the risk and what leaves your pocket at renewal. This ranking covers 269 car insurance brands, from insurers that underwrite the policy themselves to brokers and comparison sites that place it with an insurer. The main trade-off runs between how the money is paid and who stands behind the cover: 89% of the brands in this category let you pay monthly, and a typical starting premium here sits at €8.50. A second trade-off is reach, because 89.2% of the brands in the category answer the phone. Every member below is placed on cost, offer and trust, with the partners listed first and the remainder following in score order.
How we picked
Scores combine cost, offer and trust, and the weights are fixed before the list is drawn. Trust carries the most weight at 40%, which rewards a clear answer to the question of who underwrites the policy, how established that party is and how a claim gets reported in the first place. Cost takes 35%, built from the starting premium, the excess and whether a monthly option exists at all. Offer takes 25% and covers the breadth of policy lines, the extras attached to a car policy and how many routes to a human being exist. Figures come from each brand's own published material, such as its legal notice, its price pages and its terms, alongside the category statistics used for comparison on this page. Partners are listed first and every other brand follows in score order. Nothing here is promoted for holding a licence or a membership of a protection scheme, because where a regulator or a scheme applies that has to be read from the published terms rather than taken from a summary.
How we rankOur top picks
4. Zurich Kotak General Insurance: best for Zurich Kotak General InsuranceZurich Kotak General Insurance offers car, bike, travel and health insurance plans in India.
- Insurance types: Auto, Motorcycle, Travel, and 1 more
- Provider type: Insurer
- Support channels: Chat
Pros
- Dedicated two wheeler cover that protects the rider and the bike
- Worldwide travel cover for medical emergencies, baggage loss and trip disruption
- Comprehensive health plans supported by a cashless hospital network
Cons
- Serves only India, which limits choice for households living elsewhere
5. CHECK24CHECK24 is the broadest shop in this ranking, and it sits here on that breadth rather than on the cheapest floor. It is a comparison site in DE founded in 1999 and trading as CHECK24 Vergleichsportal GmbH, covering auto, home and life, the longest set of policies assembled in the ranking. Its support mix is also the most complete, running on chat, email and phone, and claims can be started on CHECK24 Versicherungscenter online claim form, insurer online claim form and post. A car quote starts at €0.69 and monthly payment is offered. The caution sits in the cover limit, since the liability figures it publishes carry a recommended minimum above the entry tier, so the cheapest quote in the shop is not the widest cover. Wafir.ma, ranked below, is narrower but aimed at a specific audience.
- Premium from: €0.69
- Insurance types: Auto, Home, Life, and 7 more
- Provider type: Comparison site
Pros
- Broker model: broker means loan, mortgage and policy terms come from partner banks and insurers rather than from a single provider
- Daily-access savings with no notice period, cancellable at any time, at a headline rate of 3.82%
- A single catalogue covering auto, home and life, so most household policies can be compared in one place
- Support runs on chat, email and phone, with phone and a help centre listed alongside email and chat
Cons
- A comparison site rather than an insurer or lender: comparison site means the terms and the protections depend on the partner matched to you
- The median easy-access rate across the site is 3%, under the CHECK24 headline rate of 3.82%, so cheaper listings exist
- The listed credit check is soft prequal, which leaves any hard search to the partner bank once an offer is accepted
- Claims run on CHECK24 Versicherungscenter online claim form, insurer online claim form and post, so a claim is filed through an online form or by post and no counter service is listed
What to look for
- Who carries the risk
- An insurer underwrites the policy itself, a broker and a comparison site place it with one. The category splits 37.9% of brands as insurers, 34.1% as brokers and 27.3% as comparison sites, and that choice decides whose claims team you call after a crash.
- The starting premium
- A car policy quoted from €8.50 is the category norm in this data, with the middle of the range running €3.90 to €47.13. Read that figure as the floor of the cheapest tier rather than as a quote for your own car, since the vehicle, the driver and the address move the price.
- Paying monthly or up front
- Monthly paying is offered by 89% of the brands in this category, and it is the deposit that decides whether the option is useful. A typical deposit here sits at €10, so a monthly plan is often a lump for the first period followed by instalments on an annual contract.
- Ways to reach a person
- Phone support is the most common channel in the category at 89.2%, with a help centre at 74.7% and email at 71.5%. Chat is rarer at 44.6%, which matters at midnight on a roadside, when a message waits for the next working day.
- Money parked in the policy
- Some providers are treated as somewhere to sit a float rather than as a pure claim cost. Retail outcomes in this site's data have been heavy, with a typical loss of 70.15% and a spread running 65.75% to 74.5%. Treat any such balance as money at risk, not as savings.
- Fees and the length of cover
- A policy in this category typically runs for 84, with the range moving 72 to 102, and a typical account fee sits at €1.37. A small charge repeated across the term costs more than a single headline price suggests.
Frequently asked questions
Is a car policy cheaper direct from an insurer than through a comparison site?+
Not necessarily, and the difference rarely shows in the starting price. A comparison site places many insurers side by side in one place, so the floor is easier to find, while an insurer sells only its own book. This ranking splits the category into 37.9% insurers, 34.1% brokers and 27.3% comparison sites. What actually sets the price is the car, the driver and the address.
Can I pay car insurance monthly?+
Most of the brands here allow it. 89% of the brands in this category offer monthly payments, usually on an annual policy with money paid up front. A typical deposit in the ranking is €10, with a term of 84 behind it. Check whether the deposit comes back and whether leaving early leaves a balance to settle.
Do comparison sites and brokers need a licence?+
In most markets a comparison site or a broker that receives payment for insurance is regulated, and the cover is then arranged with a named insurer. The rules are set out in the legal notice, together with the registered entity behind the brand, such as CHECK24 Vergleichsportal GmbH or bonus.ch SA. Read the legal notice of any provider before paying, because the entity taking your money is the one to look for.
What does travel insurance from the same provider cost?+
Travel cover sits alongside car cover with most brands in this ranking, and one insurer here publishes travel cover of Travel insurance up to EUR 90,000. Travel policies are priced per trip rather than per year, so they do not compete with a car premium directly. The same company that writes your car policy can often quote travel, health or home cover too, which shortens the claim when one insurer handles the whole household.
Can I get pet or home insurance from a car insurer?+
Usually yes. Every brand in this ranking sells at least one line beyond car cover, and most sell several: auto, home and travel runs to auto, home, travel and gadget, while auto, home and life stretches to a far longer list including dental and income protection. Bundling does not automatically cut the price, so quote each line on its own before deciding to keep them together.
Is a car policy a good place to keep spare money?+
No. A policy is a cost, not an account. If a provider offers to hold a balance for you, read carefully what happens to it, because retail outcomes in this site's data have been heavy, with a typical loss of 70.15%. Keep cash in a deposit account and let the insurance do its one job, which is replacing the car after a claim.
Top car insurance compared by country
Related by the facts
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The data behind this ranking
| Metric | Value | Sample |
|---|---|---|
| Median headline rate | 2.35 % | 30 |
| Lower quartile headline rate | 1.74 % | 30 |
