Car insurance in Spain for expats


Getting behind the wheel in Spain? One of the first things you think about when buying a car is the insurance.

You need to insure all vehicles in Spain to at least third party liability level. 

This includes cars, boats, scooters, trucks, RVs, and motorbikes. Whether you drive a run around or you’re planning a road trip across the beautiful Spanish countryside, choose the right cover for you and your driving needs with InsuranceAgents.es today.


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Speak to the insurance experts at InsuranceAgents.es and get yourself covered today. Agents who speak your language. Quick access to specialists & we call you back free of charge. A wide range of Car Insurance policies with the best coverage for Expats in Spain. Great car insurance in Spain for expats living in Spain. 24/7 support. à Contact us

What happens if you drive without insurance in Spain?

If you’re thinking of driving in Spain, it’s important you stay on the right side of the laws. Car insurance is a legal requirement in Spain, so you won’t want to leave home without having the right cover. A car without insurance could incur a penalty of between 600 and around 3,000 euros. You can drive foreign vehicles for a limited period (3-6 months) without Spanish registration but will need to have at least third-party insurance.


Can anyone drive an insured car in Spain?

In Spain it is the vehicle that is insured and not the person. Most motor insurances in Spain will cover the main driver and any driver over a certain age (+25 years old). Most policies in Spain cover any driver as long as over 25 years old and with a clean driving license, so any member of your family can use the car without modifying the policy.


Who can drive my car in Spain?

You can drive a car in Spain if you’re aged 18 or above and have a valid driving license. Citizens from EU/EFTA countries can use a driving license from their own country. 


Can a 16 year old insure a car?

We can insure any qualified 16-year olds on most scooters and most 18+ year olds in cars, even if they have only just passed their driving test in Spain. Young drivers in Spain are those classified as between the ages of 16 and 25


Yes, a 16 year-old can purchase their own car insurance policy. However, along with it being more expensive, there will likely be an extra step in the process. They’ll probably need to have a parent approve or co-sign the agreement, as
minors can’t sign legally binding contracts. We can insure any qualified 16-year olds on most scooters and most 18+ year olds in cars, even if they have only just passed their driving test in Spain.
à Get a quote today

Can I insure a car in Spain as a non resident?

NIE/residency permit: Non-Spaniards must have either a residency permit or a Foreigner Identification Number (NIE number)
to insure a car.


Can you insure a UK registered car in Spain?

Yes, it is possible to insure your UK plated car with InsuranceAgents.es. With UK plated cars you can obtain a full range of covers including third party, third party fire and theft and fully comprehensive cover.


Can I pay car insurance monthly in Spain?

Yes, you can. However, an insurance contract is a 12 month commitment from both you and the insurer. If the insurer allows you to pay in instalments you are legally obliged to make all those instalments to cover the annual premium.


Can I drive my UK car in Spain after Brexit?

The UK is no longer in the EU and the process and costs to register a UK car in Spain after Brexit have changed considerably. This is because UK cars now are now treated as vehicles from third countries and must either clear customs, or get a customs certificate if your car qualifies for customs exemption.


How much does it cost for car insurance in Spain?

Car insurance premiums in Spain averaged at just over €350 per year in 2016, just above the EU average. Premiums have come down from an average of over €450 in 2005. Third-party coverage can be as cheap as €150 but will usually be around
€250–300. Fully comprehensive policies are likely to be €300 – €400 a year or more.


How much does road tax cost in Spain?

New vehicle purchases in Spain are subject to IVA (Impuesto sobre el Valor Añadido (VAT)), Spanish VAT – currently 21% of purchase value. In addition, when a vehicle is first registered in Spain, it may be subject to an additional registration tax.


Car Insurance Agents in Spain

After your home, your car is probably the most expensive item you own, so it’s important to ensure that you have the correct cover. Join InsuranceAgents.es and you will pay less for your insurance. Change to InsuranceAgents.es and Get Car Insurance from 190€. 95% Satisfied Customers. No Obligation Quote. 24/7 Road Assistance. Your Quote in 2 minutes.


Expat car insurance in Spain with the best cover

We provide a wide range of insurance products and are specialists in car insurance in Spain. A One to One Insurance Service, offering the best rates for all types of cover. Tailored to your needs.


Breakdown Road assistance in English. Doesn’t matter where or how you have broken down just call us on your
24/7 line and we will quickly aid you.


Have a Claim? Talk to us, we will do all the work and calling, we will see it through and make sure it is

hassle-free for you.


Policy Docs in EnglishLook out for a policy which adapts to meet your needs, not the other way around, as you will be asked to pay for extras. Need a Car insurance in
Check Insurance Rates. 
 Contact us now for a quote.

Call 868 97 55 25 for an instant quote