Car Insurance Quotes in Spain – 2026 Guide for Expats & Non-Residents

Getting car insurance quotes in Spain can feel confusing, especially if you're used to a different system back home. Different cover levels, Spanish terminology and price gaps between insurers make it hard to know whether you're getting a good deal.

This guide explains:

• How car insurance quotes in Spain are calculated
• What information you need to get accurate quotes
• The difference between online comparators, direct insurers and brokers
• How to compare quotes fairly (not just by price)
• Practical tips to save money without losing key cover

What Is a Car Insurance Quote in Spain?

A car insurance quote is an offer from an insurer that tells you:

• What cover they are willing to provide
• Under which conditions and exclusions
• At what price (premium) for a defined period (usually one year)

Each Spanish insurer has its own way of assessing risk, so two companies can offer very different quotes for the same driver and car.

That's why comparing car insurance quotes in Spain is so important – especially for expats and non-residents who may not be familiar with local practices.

Main Types of Car Insurance Cover in Spain

Before comparing quotes, it helps to understand the basic cover types that appear in Spanish offers:

1. Terceros (Third Party Only)

• Mandatory minimum cover
• Pays for damage and injury you cause to others
• Does not cover damage to your own car

2. Terceros ampliado / Extended Third Party

• Third party cover + extras like fire, theft, glass (windscreen)
• Popular middle option for many cars

3. Todo riesgo (Fully Comprehensive)

• Covers your own car as well, even if you are at fault (up to policy limits)
• Often available with or without excess (franquicia)
• Usually the most expensive option, especially for newer cars

Most insurers will give you multiple quotes with different combinations (e.g. third party, extended third party, comprehensive with €300 excess, comprehensive without excess).

What Affects Car Insurance Quotes in Spain?

When you ask for car insurance quotes in Spain, companies will look at several factors:

1. Driver Profile

• Age and years of licence
• Driving history and claims record
• Experience with similar vehicles
• Whether you are resident or non-resident

Young or newly-licensed drivers usually pay more; a clean claims history can reduce quotes over time.

2. Vehicle Details

• Make, model and version
• Power and engine size
• Year of first registration
• Current value and equipment
• Safety and anti-theft systems

Sporty or high-value vehicles typically attract higher quotes than modest, low-power cars.

3. Use & Mileage

• Main use: private, commuting, business
• Estimated kilometres per year
• Who drives the car (main and occasional drivers)

More usage and more drivers usually increase risk – and therefore the premium.

4. Parking & Location

• Whether the car sleeps on the street, in a private parking or in a closed garage
• Town/region where the car is mainly used
• Local accident and theft statistics

Cars kept in a secure garage and in lower-risk areas often get better quotes.

Information You Need to Get Accurate Quotes

To get useful car insurance quotes in Spain, prepare:

• Personal details – name, date of birth, NIE/NIF/NIE-substitute, contact details
• Licence information – country of issue, licence date, category, any points or suspensions
• Vehicle details – registration document (permiso de circulación), technical sheet (ficha técnica)
• Usage info – annual mileage, primary use, named drivers
• Claims history – especially the last 3–5 years

Tip for expats: If you have a no-claims bonus or claims certificate from another country, ask if the insurer or broker can take it into account. Some companies are flexible, others are not – but it can be worth money if they accept it.

Where to Get Car Insurance Quotes in Spain

You generally have three main options:

1. Online Comparison Sites

Pros:

• Quick overview of prices from many insurers
• Good for a first idea of price ranges
• Can run several quote scenarios easily

Cons:

• Not all insurers or brokers appear
• Limited space to explain coverage details or exclusions
• Often aimed at Spanish-speaking residents

2. Direct Insurers (Online or Telephone)

Pros:

• Talk directly to the company that insures you
• Sometimes competitive for standard risk profiles
• You can manage many things online

Cons:

• You must compare each insurer yourself
• Not all offer full support in English or other languages
• If your case is more complex (expat, imported car), some may say "no"

3. Insurance Brokers (Corredores de seguros)

Pros:

• Can compare multiple companies for you
• Often have experience with expats and non-residents
• Help you understand Spanish terms and fine print
• Assist with claims and renewals

Cons:

• Quality varies – choose a broker that specialises in car insurance and foreign clients
• Their panel of insurers may not include every company on the market

For many expats, a broker is the easiest way to get realistic, comparable quotes without a language headache.

How to Compare Car Insurance Quotes in Spain (Properly)

When you receive several offers, don't just look at the final price. Compare quotes using these steps:

1. Check the Type of Cover

• Is it third party, extended third party or fully comprehensive?
• Are fire, theft, glass, vandalism, natural events included?

Comparing third party with a comprehensive quote from another company is not a fair comparison.

2. Look at Excess (Franquicia)

In comprehensive policies, many quotes include an excess – the amount you pay in case of a claim.

• Example: €300 excess → you pay the first €300 of repairs
• Higher excess usually means lower premiums

Decide if you are comfortable paying that amount in case of damage.

3. Review Third-Party Liability Limits

Check:

• Maximum amount the insurer will pay for personal injury and property damage
• If limits differ significantly between quotes

Higher liability limits protect you better if a serious accident happens.

4. Understand Exclusions & Conditions

Examples to check:

• Use of the car outside Spain or defined territories
• Restrictions on young or occasional drivers
• Exclusions related to alcohol, drugs or racing
• Conditions for imported vehicles or cars on foreign plates

If you are not sure, ask the insurer or broker to explain in your language.

5. Look at Service, Not Just Price

Ask:

• Is there 24/7 roadside assistance? In which countries?
• How easy is it to report a claim? (phone, app, email)
• Can you get support in English, German, Finnish, etc.?

Saving €30 per year is not worth it if you cannot reach anyone when you really need help.

Tips to Get Better Car Insurance Quotes in Spain

• Provide accurate data – incorrect information can lead to cancellation or claim problems.
• Ask about discounts – for good driving records, alarm systems, garage parking, multiple policies.
• Consider annual payment – paying once a year is often cheaper than monthly instalments.
• Adjust the cover to the car's real value – no point paying for full comprehensive on a very old, low-value car unless you have a specific reason.
• Review quotes at each renewal – the company that was cheapest last year may not be this year.

Final Thoughts

Finding good car insurance quotes in Spain is not just about getting the lowest price. It's about:

• Choosing the right cover level for your car and situation
• Comparing quotes on a like-for-like basis
• Understanding what's included – and what is not

When you combine clear information, multiple quotes and professional guidance if needed, you can insure your car in Spain with confidence and avoid expensive surprises later.