Car Insurance in Spain for Expats 2026 Guide

Introduction: Why Car Insurance Matters for Expats in Spain in 2026

Driving in Spain offers freedom and flexibility, but it also comes with legal responsibilities. Every vehicle in Spain must be insured, and choosing the correct policy protects you from accidental damage, civil liability, theft, and unexpected events.

Since 2012, ExpatInsurances.es has helped thousands of expats find the right insurance for their vehicles. This 2026 guide gives you everything you need to understand the market and make an informed decision.

Is Car Insurance Required in Spain?

Mandatory Coverage

All vehicles must have at least:

• Third-party liability insurance

This covers:

• Damage you cause to other vehicles
• Damage to property
• Injuries to third parties

Additional Protections (Optional)

Drivers can choose:

• Third-party with extended coverage
• Comprehensive insurance
• Premium all-risk coverage

Types of Car Insurance Coverage in Spain

Third Party (Seguro a Terceros)

Covers:

• Damage to others
• Legal liability

Does not cover:

• Your own vehicle
• Theft
• Fire

Best for:

• Older vehicles
• Budget drivers

Third Party with Extras (Terceros Ampliado)

Adds:

• Fire coverage
• Theft coverage
• Broken glass

Best for:

• Mid-range vehicles
• Drivers who want balanced protection

Comprehensive Coverage (Todo Riesgo)

Includes:

• Collision coverage
• Damage to your own vehicle
• Weather damage
• Theft and vandalism
• Glass and windshield repair

Best for:

• New cars
• Leased vehicles
• High-value vehicles

How Much Does Car Insurance Cost in Spain in 2026?

Insurance prices depend on region, car age, engine size, driver age, and driving history.

Typical Annual Prices for 2026

Younger drivers under 25 pay higher premiums, typically starting around €650 per year.

Required Documents for Car Insurance in Spain

When applying for car insurance, you will need:

• Passport or national ID
• NIE number
• Vehicle details
• Driving license
• Proof of address
• Previous insurance record (if available)

Driving Licenses and Expats in Spain

EU Licenses

EU licenses are valid in Spain, but long-term residents should exchange them when possible.

Non-EU Licenses

Most non-EU licenses are valid for 6 to 12 months depending on the country agreement. After that period, drivers must:

• Exchange the license
• or take the Spanish driving test

Insurance premiums may be higher for drivers with no Spanish driving record.

Common Claims Covered by Spanish Car Insurance

Road Accidents

Damage to your car and third-party vehicles.

Storm and Weather Damage

Including:

• Hail
• Flooding
• Wind damage

Theft or Attempted Theft

Including broken locks and damaged windows.

Vandalism

Covered under most comprehensive plans.

Glass and Windscreen Repair

Often included in mid-range plans.

Common Mistakes Expats Should Avoid in 2026

• Buying insurance without glass coverage in high-risk areas
• Forgetting to exchange a foreign license within the allowed period
• Not updating the insurer when changing address or region
• Choosing the cheapest policy without checking deductibles
• Assuming international insurance is valid in Spain

How to Get Car Insurance in Spain in 2026: Step by Step

Step 1: Request a Personalized Quote

Provide your vehicle and driving details so we can compare rates.

Step 2: Choose the Right Coverage Type

We explain your options clearly and recommend the best choice.

Step 3: Receive Your Policy in English

All documentation can be delivered in English for clarity.

Step 4: Activate Your Coverage

Activation is usually instant once payment is received.

Step 5: File Claims Smoothly

Claims can be filed through:

• Mobile apps
• Hotline support
• Online portals