Updated September 30, 2026 · AssureCue Editorial Team
Top car insurance compared
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| # | Insurance provider | Score | Features | Key facts | Actions |
|---|---|---|---|---|---|
| 21 |  Verti Free Fahrerschutz (driver protection) on new car policies: Cover up to EUR 500,000 per claim at no cost for the whole contract term | 9.0/10 |
| ReviewCompareVisit | |
| 22 |  Gigasure | 8.9/10 |
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| ReviewCompareVisit |
| 23 |  Insure4Boats | 8.9/10 |
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| ReviewCompareVisit |
| 24 |  L'olivier Assurance Habitation Taxi Joker: one taxi ride per year: 50 EUR TTC, once per calendar year | 8.9/10 |
| ReviewCompareVisit | |
| 25 |  YouSet | 8.9/10 |
| ReviewCompareVisit | |
| 26 |  BizCover (Australia) | 8.8/10 |
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| ReviewCompareVisit |
| 27 |  hotline.finance 100 UAH bonus for installing the mobile app | 8.8/10 |
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| ReviewCompareVisit |
| 28 |  MoneyHero Free HK$1,500 vehicle inspection when buying car insurance | 8.8/10 |
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| ReviewCompareVisit |
| 29 |  Assurland.com Abeille Assurances prevoyance - 3 months free | 8.7/10 |
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| ReviewCompareVisit |
| 30 | Compare.com | 8.7/10 |
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| ReviewCompareVisit |
About Top car insurance compared
Car insurance prices spread wider here than most categories on the site, and that spread is the trade-off this ranking sorts out. Across 381 brands, the entry premium has a median of €8.72, a lower quartile of €3.90 and a top of €3,431.08, so a first figure can be a fraction of the priciest policy or many times the lowest one on record. 97.8% of the brands in this category cover auto, which is why the lines sold alongside car cover, home and travel among them, matter for anyone who wants one provider and one renewal date. Payment rhythm comes next: 89.4% of the brands let you pay monthly, and the seller behind the policy matters as much as the price, since 37.1% of the brands are insurers, 34.8% are brokers and 26.4% are comparison sites. The list below mixes all three.
How we picked
Brands are scored on three weighted criteria: cost at 35%, offer at 25% and trust at 40%. Cost reads the entry premium against the rest of this category, so a brand priced well below the €8.72 median gains ground. Offer reads what a brand sells and how it is built: the lines it covers, the payment rhythm it allows, the support and claims channels it opens and the limits it publishes. Trust reads the kind of company standing behind the policy, whether an insurer, a broker or a comparison site, along with the protections it names. Each figure here is taken from the brand's own site, its imprint or legal notice, its app listing and its terms, support and claims pages, while the category spreads come from the full set of listings behind this category. Payment rhythm is recorded as a single fact per brand, simply whether monthly payments are available. Partners are listed first in the order the score gives them, and the remaining brands follow on the same weighted score, so a position reflects the criteria above rather than anything else. Read the list from the top for the strongest combination of the three, or use the criteria to find the brand that wins on the one that matters to you.
How we rankWhat to look for
- What the first payment looks like
- Entry premiums in this ranking run from €0 to €3,431.08, with a median of €8.72 and a lower quartile of €3.90. Treat a starting figure as the cost of opening a quote rather than as a year's cover, since the median sits well above the floor.
- Who stands behind the policy
- 37.1% of the brands here are insurers that underwrite the policy, 34.8% are brokers and 26.4% are comparison sites. The starting premium means a different thing at each, so read the kind of company before you read the price.
- How you pay and how you claim
- 89.4% of the brands let you pay monthly against 10.6% that do not. On contact, 88.1% of the brands take calls, 72.7% take email and 74.1% run a help centre, and a published claims line is a stronger signal than a general contact page.
- What else the brand sells
- Auto is near universal at 97.8%, but 81.1% also carry home cover, 58.1% travel and 42.6% motorcycles. A longer list makes one provider easier to run, though it says nothing on its own about what car cover costs.
- The ceiling on a claim
- Liability limits in this ranking have a median of €5,810,912.89, a low of €1,162,182.58 and a high of €11,621,825.79. A lower ceiling costs less to carry, so check the published floor before accepting a figure that looks small.
Frequently asked questions
How much does car insurance cost in this ranking?+
The median entry premium here is €8.72, with €3.90 at the lower quartile, €45.49 at the upper one and €3,431.08 at the top of the range. The spread runs wide, so a brand sitting at €0 is a starting point rather than a quote, and the distance between the median and the ceiling is where most of the sorting happens.
Should I buy car insurance from an insurer, a broker or a comparison site?+
Each sells the same product in a different way. 37.1% of the brands in this ranking are insurers that underwrite the policy themselves, 34.8% are brokers and 26.4% are comparison sites that set quotes side by side. An insurer puts its own claims team behind the cover, while a broker or comparison site works through underwriters on your behalf.
Can I pay for car insurance monthly?+
Mostly. 89.4% of the brands in this ranking let you pay monthly against 10.6% that do not, and 100% of them sit on a monthly model. Monthly billing spreads the cost of a year's cover across the year, which matters most if you would rather not settle the whole premium at renewal.
Does car insurance from these brands cover anything else?+
Often it does. 97.8% of the brands in this ranking cover auto, but 81.1% also carry home cover, 58.1% travel and 37.8% pet. That matters if you want one provider and one renewal date for the car, the house and the holiday, though a wider list is not by itself better value.
Which brand here is easiest to reach after a claim?+
Phone still leads: 88.1% of the brands in this ranking take support calls, 72.7% take email and 74.1% run a help centre, with 40.2% offering live chat and few adding a 5.9%. Claims handling is the sharper test, and the clearest published lines sit at phone, chat and mobile app, phone, online and post and client support area and phone.
Is it easier to find travel, home or health cover in the same place?+
Lines vary by brand. Home cover appears on 81.1% of the brands here and travel on 58.1%, while health sits at 49.6% and pet at 37.8%. The car is the common thread, so a reader wanting travel or health later can often start with the same provider, but the premium and payment rhythm in each listing belong to the car policy itself.
Top car insurance compared by country
Insurance providers compared head to head
Related by the facts
- KS Auxilia, also regulated by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Health
- Insurance providers available in Germany
- HanseMerkur Reiseversicherung AT, also regulated by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Home
- Insurance providers available in United Kingdom
Reviews
The data behind this ranking
| Metric | Value | Sample |
|---|---|---|
| Median premium from | 8.72 EUR | 155 |
| Lower quartile premium from | 3.9 EUR | 155 |
| Upper quartile premium from | 45.49 EUR | 155 |
| Lowest premium from | 0 EUR | 155 |
| Highest premium from | 3,431.08 EUR | 155 |
| Insurance types: auto | 97.8 % | 270 |
| Insurance types: home | 81.1 % | 270 |
| Insurance types: renters | 24.1 % | 270 |
| Insurance types: life | 57 % | 270 |
| Insurance types: health | 49.6 % | 270 |
| Insurance types: travel | 58.1 % | 270 |
| Insurance types: pet | 37.8 % | 270 |
| Insurance types: motorcycle | 42.6 % | 270 |
| Insurance types: van | 13.3 % | 270 |
| Insurance types: breakdown | 15.9 % | 270 |
