Expat car insurance in Spain is legally required to drive and protects you from fines, liability, and unexpected financial risk.
Whether you’re importing a vehicle, buying one locally, or driving with a foreign licence, the right policy ensures compliance with Spanish law and peace of mind on the road.
Clear advice. Legal compliance. Real support for expats.
Overview of car insurance options in Spain.
Third-party • Fire and theft • Comprehensive
We help expats find Spanish-authorised car insurance — from minimum legal cover to full protection for newer or imported vehicles.
The minimum legal car insurance required in Spain.
Balanced protection with added peace of mind.
Maximum protection for your vehicle.
Legal requirements every expat driver must meet.
Spain requires valid car insurance for every vehicle driven on public roads.
Without it, drivers face:
Whether you are:
You must hold insurance issued by a Spanish-authorised provider.
Official source:
Practical considerations for foreign drivers.
For a detailed breakdown, see our full guide: Car Insurance in Spain for Expats.
Why expats trust UEI for car insurance in Spain.
Your premium is based on:
We calculate your price based on your real profile, not assumptions.
No-Claims Bonus Recognition: we apply the highest possible no-claims bonus, even if you haven’t driven in Spain before or don’t hold a Spanish driving licence.
Comprehensive Car Insurance (Todo Riesgo): recommended for new cars, financed vehicles, imported cars and expats adapting to driving in Spain. Read the decision guide: When to Get Comprehensive Car Insurance in Spain.
From quote to legal cover in minutes.
Only policies that meet legal and expat requirements.
Immediate coverage and help whenever you need it.
Compare options in minutes.
Other protections expats often combine.
Many expats combine car insurance with broader protection:
Trust from the community.
UEI explained everything clearly. I finally understood my options.
They made foreign plate insurance simple.
Straightforward, supportive, human.
They compared multiple insurers and told me honestly what I didn’t need. That felt different.
I appreciated that they helped me during the claim — not just during sign-up.
Quick answers.
Yes — if you drive on Spanish roads, you must have valid insurance.
Often no — long-term driving requires Spanish insurance.
Yes — family members or spouse can be added.
Only if you choose Fire & Theft or Comprehensive.
Yes — we help expats with imported cars too.
Usually same day, fast activation.
Protect your vehicle. Stay compliant. Avoid unnecessary risk.
Fast. Clear. No obligation.
