Car insurance in Spain
You’ve got the car. Now comes the tricky part: getting it insured properly. Driving in Spain without the right insurance can lead to fines, problems after an accident, or worse: no coverage when you need it most.
Exactly works with top insurers like Mapfre, Allianz, Zurich and Asisa, so we’ll make sure your policy is right from day one.
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Transparent pricing
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Medium coverage
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Everything from basic +
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Theft coverage
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Fire damage coverage
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Glass damage coverage
Premium coverage
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Everything from medium +
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Extended full-risk coverage
* Premiums shown are indicative. Final premium depends on your situation.
In Spain, the car is in your name. And so is the responsibility
In Spain, car insurance doesn’t follow the driver. It follows the vehicle. That means: if something goes wrong, the person on the registration is fully liable — even if they weren’t behind the wheel.
You’re expected to get the right policy, with the right details, under the right conditions. For many expats, that’s a minefield of unfamiliar rules, language barriers and vague policies. We make sure everything is covered — properly, and in your language.
We work with trusted insurers like Allianz, Mapfre, Zurich and Asisa.
You tell us your situation and we sort out the insurance from start to finish.
- No Spanish forms
- No miscommunication
- No gaps in coverage
Need to get this off your plate? Let’s talk.
Car insurance FAQ
Yes. At minimum, third-party liability insurance is legally required for every car registered in Spain – even if it’s not being driven. Driving without insurance is a criminal offence and can lead to heavy fines or confiscation of the vehicle.
Sometimes – but not long-term. Most insurers only cover vehicles with Spanish plates. If your car still has foreign registration, we’ll check what’s possible short-term, but you’ll likely need to re-register it (matriculate) in Spain.
In most cases: no. In Spain, the owner, policyholder, and main driver are expected to match.
If you’re driving a car that’s not in your name, we’ll help you check what’s allowed – and how to fix it if needed.
We offer the three main types:
Third-party only (obligatorio): covers damage you cause to others
Third-party with theft/fire/glass (terceros ampliado): includes common risks
Fully comprehensive (todo riesgo): covers damage to your own car too, even if it’s your fault
We’ll help you choose what actually makes sense for your car, age, and usage.
Sometimes. Some insurers in Spain accept foreign no-claims certificates — but it depends on the country and how it’s documented. We’ll check this for you and help you submit it if accepted.
Yes, most insurers offer monthly, quarterly or annual payments. Some charge small fees for instalments — we’ll show you the exact difference before you decide.
It depends on the policy. Some include full roadside assistance in Spain (and sometimes even across Europe); others offer it as an add-on. If this matters to you, let us know — we’ll make sure it’s in there.
You’ll need:
Vehicle registration papers (permiso de circulación)
Spanish ID (NIE/TIE) or passport
Driving licence
Proof of address (for some insurers)
If you’re still in the process of getting your documents, we can often work with temporary solutions.
Yes. You can add a partner, family member or employee to your policy as long as they meet the requirements.
Be transparent — insurers can deny claims if an undeclared regular driver was behind the wheel.
Most policies include basic EU-wide third-party cover. Full cover abroad depends on the policy. Let us know if you drive regularly to France, The UK, Holland, Portugal or elsewhere. We’ll include this in the setup.
Yes. Policies typically run for 12 months. To cancel, most insurers require 1 month notice before renewal.
We’ll remind you in time and help you cancel, switch, or adjust your cover.
Premiums vary based on:
Driver’s age and history
Car type and age
Coverage level (third-party vs. full)
Parking location (garage/street)
As a rough guide:
Third-party starts from €20–40/month
Fully comprehensive starts from €60–90/month
You’ll of course always receive a clear quote with the exact number.
Only the best is good enough
Allianz
Strong international coverage
Allianz is one of Europe’s largest insurers with over 100 million clients worldwide. Why people choose Allianz:
- Access to top private hospitals
- Coverage often includes dental, physio and mental health without add-ons
- English-language app and customer service, ideal for non-Spanish speakers
Zurich
Solid cover in Spain
Zurich offers straightforward policies with clear benefits and no fine-print confusion. Why people choose Zurich:
- Easy to choose between standard and premium cover levels
- Well-rated service and simple claims process
- Popular with families and long-term residents looking for clarity and structure
Mapfre
Spain’s largest homegrown insurer
Mapfre is Spain’s largest insurance company, with a massive medical network. Why people choose Mapfre:
- Wide national coverage, also in smaller towns
- Flexible reimbursement options (you choose the doctor, they reimburse up to 90%)
- Trusted by locals and expats alike
- Stable, reliable, efficient
Asisa
Spain’s largest private medical network
Asisa was founded by doctors and now runs Spain’s biggest network of clinics and hospitals. Why people choose Asisa:
- Access to 40,000+ doctors and 1,000+ clinics and hospitals
- 24/7 English-speaking helpline and telemedicine options
- “Hospital at home” care available in many areas
