- What is the Cheapest Type of Insurance in Saudi Arabia?
- How to Benefit From Discounts
- Where to Find the Cheapest Offers Quickly
- Car Insurance Prices in Saudi Arabia 2025
- When to Choose Third Party or Comprehensive
- What Factors Affect the Insurance Price
- How to Act After an Accident
The car insurance market in Saudi Arabia is highly competitive, with drivers constantly looking for the lowest price while still meeting the mandatory legal coverage. Third party liability insurance remains the most affordable option, but factors such as claims history, age, and vehicle type all play a role in setting the final premium. This guide offers a clear look at the cheapest insurance choices in the Kingdom for 2025, along with practical tips to secure the best deal.
What is the Cheapest Type of Insurance in Saudi Arabia?
Third party liability insurance is the least expensive policy available in the Saudi market. It covers damages caused to others in accidents where the insured driver is at fault, but it does not include coverage for the insured vehicle itself.
Saudi regulations make this type of coverage mandatory for all vehicles under the Unified Compulsory Motor Insurance Policy issued by the Saudi Central Bank (SAMA). The policy sets the minimum coverage requirements, and no company is allowed to reduce benefits below this official standard.
How to Benefit From Discounts
Insurance companies in Saudi Arabia offer significant savings through a no claims discount, which is granted to drivers who go years without filing an accident report. The discount usually starts at around 15 percent after one claim free year and increases gradually the longer the clean record is maintained.
According to guidelines from SAMA, these discounts can reach highly attractive levels after multiple years of safe driving. Maintaining a spotless record is therefore the most effective way to continuously lower your annual premium.
Where to Find the Cheapest Offers Quickly
Premiums naturally vary between drivers depending on age, city, car type, and claims history. The fastest way to secure the lowest rate is by comparing offers on licensed online platforms such as Tameeni.
Tameeni allows drivers to compare third party liability and comprehensive insurance policies from more than 20 companies within minutes, with the option to purchase and issue the policy instantly through the website or the mobile app on iOS and Android.
Car Insurance Prices in Saudi Arabia 2025
Market data shows that third party policies from major insurers can start at just a few hundred riyals per year, though prices vary significantly from one company to another. These figures serve only as a reference, since the final premium always depends on the driver’s individual profile. For this reason, it is strongly recommended to repeat the comparison before purchasing or renewing to ensure you secure the lowest available rate at the time.
When to Choose Third Party or Comprehensive
The choice between third party liability and comprehensive insurance depends largely on the value of the car and how it is used:
If the vehicle is old or has a low market value, third party liability is usually the most practical and affordable option.
If the car is new, high in value, or financed through a leasing arrangement, many lenders require comprehensive insurance to protect their assets.
Finding the right option always comes down to balancing your actual needs with the cost of the policy.
What Factors Affect the Insurance Price
Insurance companies calculate premiums based on several key factors, including:
The driver’s claims history
Age
Vehicle manufacturing year
The city where the car is used
The number of drivers listed on the policy
A clean record and fewer drivers typically lower the cost, while recent accidents or multiple drivers added to the policy can increase the premium significantly.
How to Act After an Accident
If an accident occurs, the reporting process is usually handled through Najm insurance services or local traffic authorities, depending on the case. Najm allows you to file a claim online with the responsible party’s insurer and follow up on the required steps. It also provides a repair network for customers with third party coverage under approved service arrangements. Following these procedures ensures your rights are protected and helps speed up the compensation process.
