Compare Car Insurance in Ireland

Compare car insurance quotes from 12 Irish insurers in one go. Fill in one short form, see prices side by side, and choose the cover that suits you.

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  • Specialist cover options
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We compare 12 insurers 

We compare 12 insurers 

  • Compare 12 insurers at once
  • Specialist cover options
  • Trusted by 20,000+ Irish motorists

Who we compare

We compare every major car insurance provider in Ireland, so that you can choose the right policy for your circumstances.

How much does car insurance cost?

€655 average

premium in H1 2025 [CB]

Premiums 5% lower

September 2026 vs September 2025 [CSO]

The cost of car insurance in Ireland depends on factors such as your age, driving experience and history, your vehicle, and where you live. Because insurers assess risk differently, prices can vary widely.

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Car insurance cover options

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Comprehensive Cover

Comprehensive cover is the highest level of car insurance for motorists. It covers repairs to your own vehicle following an accident, as well as damage to other vehicles and injuries sustained by third parties.

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Third Party Only

Third-party only insurance (TPO) is the minimum level of cover required to drive on Irish roads. TPO covers damage to other people’s property and injuries sustained by third parties. However, it doesn’t cover damage to your own vehicle.

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Third Party, Fire & Theft

Third-party, fire and theft cover provides protection against third-party claims following an accident, and covers you if your vehicle is stolen or damaged by fire.

Types of motor insurance

If you’re looking for insurance that suits your specific needs, we have guides on various types of car insurance cover.

Car insurance by vehicle

Car insurance by driver

Looking for short-term cover? Discover your options with our guide to temporary car insurance.

What does car insurance cover?

Car insurance protects you financially for damages, injuries, or losses while driving. Depending on your policy, you may be covered for:

  • Third-party property: Repairs to other people’s vehicles or property following an accident you’re responsible for.

  • Injury claims: Medical bills and legal expenses of other drivers who were injured in a collision.

  • Damage to your own car: The cost of repairing your car after an accident.

  • Fire and theft: If your vehicle is stolen or damaged by fire.

  • Weather damage: Weather-related events such as lightning or hailstones.

Optional add-ons and extra cover

Many Irish car insurance policies include additional features beyond basic cover.

Windscreen cover

Windscreen cover includes repairing or replacing damaged windscreens or glass. This is sometimes included in comprehensive policies.

Breakdown assistance

24/7 roadside assistance arranges and pays for help if your vehicle breaks down on the road. This may also be taken out as a standalone policy.

Fire brigade cover

Insurers may cover fire brigade charges following an accident, subject to policy terms.

Replacement locks

If your locks are damaged or your keys stolen, may cover the cost of replacing them.

No-claims bonus protection

Optional no-claims bonus protection protects your no-claims discount if you have to make a claim.

Open driving

Open driving cover protects another driver (with a full licence and usually over 25) to drive your car.

FAQs

Yes, you are legally required to have at least third-party only car insurance to drive on Irish roads.

Your excess is the amount you pay towards any claim that you make. Insurers offer lower premiums for a higher excess, as this means they have to pay out less in the event of a compensation claim.

The Driver Number Mandate makes it a legal requirement to provide your insurer with a unique driver number for each named driver in your car insurance policy. Brokers and insurers cannot renew your policy without this number.

Standard social, domestic and pleasure (SDP) car insurance policies cover you for commuting to work, however if you use your car during the workday for work-related purposes, you will likely need to add ‘Business Use’ to your cover or take out specialist insurance.

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