Car insurance renewal in the UAE
Updated 26 October 2026
Every car in the UAE needs valid insurance to be driven and to renew its Mulkiya. Prices aren't a free-for-all: the Central Bank sets a minimum and a maximum for every policy. Here's what renewal should cost, the discounts you're entitled to, and how to renew without a gap.
What your renewal can legally cost
Enter your car's value today and see the legal price range for a 13-month policy. Insurers must quote inside these limits.
Comprehensive: – · Third-party: – AED for 13 months
Comprehensive insurance price limits
For a comprehensive policy (your own car's damage plus third-party liability) the premium for 13 months must be:
- Saloon: at least AED 1,300 and at most 5% of the car's value.
- 4x4: at least AED 2,000 and at most 7% of the car's value.
A saloon worth AED 60,000 can't cost more than AED 3,000 to insure comprehensively. Insurers may not add any other charge unless the regulator allows it.
Third-party insurance price limits
Third-party only covers damage and injury you cause to others. Private cars, AED for 13 months:
| Engine | Saloon | 4x4 |
|---|---|---|
| 4 cylinders | 750–1,300 | 1,000–1,750 |
| 6 cylinders | 850–1,400 | 1,050–1,900 |
| 8 cylinders | 950–1,600 | 1,100–1,950 |
| More than 8 cylinders | 1,300–2,100 | 1,200–2,150 |
Discounts you can ask for at renewal
- No-claims: 10% off the minimum premium after one claim-free year, 15% after two and 20% after three.
- Loyalty: 10% off the minimum premium when you renew with the same insurer.
- 50% off the minimum premium for medical workers, the armed forces and police, civil defence, People of Determination and drivers over 60.
- Your current insurer must give you a free certificate of your claims history when you ask, so you can take your no-claims record to a new insurer.
Renewing without a gap
- Compare quotes a few weeks before the policy ends, with your claims-history certificate in hand.
- Check the cover: agency or garage repair, GCC or Oman cover, a hire car, roadside help. Each add-on costs extra.
- Renew before the old policy ends. Insurers send the policy to the traffic system electronically, so the car shows as insured straight away.
- Renew the Mulkiya next. In Dubai the insurance has to be valid for at least 6 months to renew the registration.
Driving without insurance is a fine of AED 500, 4 black points and 7 days' impoundment (see traffic fines).
Never let it lapse
Add your insurance and Mulkiya dates to Benzeen_. It reminds you early and again the day before, so the policy and the registration are renewed in time. See the app.
Sources: CBUAE Rulebook, Decision No. 30 of 2016 (motor insurance tariffs, in force), its Table 1 and Table 2; federal traffic fines schedule; RTA vehicle registration renewal. Your insurer's quote and policy are the official terms.
Questions
What is the minimum price of car insurance in the UAE?
For a private saloon with 4 cylinders, third-party cover can't cost less than AED 750 for 13 months. Comprehensive cover starts at AED 1,300 for a saloon and AED 2,000 for a 4x4.
What is the most an insurer can charge for comprehensive cover?
5% of the car's value for a saloon and 7% for a 4x4, for a 13-month policy.
How much is the no-claims discount in the UAE?
10% of the minimum premium after one claim-free year, 15% after two and 20% after three. Renewing with the same insurer can add a 10% loyalty discount.
Can I renew my Mulkiya without insurance?
No. Valid insurance is required; in Dubai it must be valid for at least 6 months.
What is the fine for driving without insurance?
AED 500, 4 black points and 7 days' impoundment.