Getting cheap expat car insurance in Spain can feel confusing — different rules depending on your license, your plates, and your driving history.
At United Expat Insurance (UEI), we help you compare car insurance in Spain for expats and explain your options clearly, so you can choose coverage that fits your situation and your budget.
We reply personally. No automated responses.
Car insurance requirements vary depending on:
We help you compare car insurance in Spain from trusted companies and explain exactly what applies to your situation — whether you have foreign car insurance or a new Spanish registration.
Finding the right plan doesn’t have to be complicated.
From third-party car insurance in Spain to comprehensive coverage, we help expats find affordable protection — often cheaper than expected.
For more details, visit our Motor Insurance Guide →
Covers damage caused to others.
Best for older cars or light use.
Simple legal coverage at a fair price.
Balanced protection for everyday driving.
Ideal for regular drivers looking for extra security.
Also covers your own vehicle.
Full protection — with or without deductible.
We also compare electric and hybrid car insurance in Spain, including coverage for battery, charging cable, roadside assistance, and replacement EV options.
We compare insurers experienced with EVs.
These are typical monthly price ranges to help you plan:
Prices vary depending on driving history, vehicle age, region, and no-claims bonus. We’ll provide a personal quote — no commitment.
Already insured your home in Spain? Compare Expat Home – Renters Insurance Spain for bundle savings.
We frequently assist with car insurance for UK drivers in Spain, including those exchanging their licenses after Brexit.
Here’s how driving license validity works for expats:
If moving, consider Expat Health Insurance Spain →
Yes — but usually short-term only.
You can get insurance for cars with foreign plates in Spain, but the coverage typically depends on your stay duration.
Real support in English when it matters.
We regularly support expats who are:
Our experience in expat vehicle insurance in Spain means we understand every case.
Real support in English when it matters.
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.
We reply personally. No automated responses.
Whether you’re new to Spain or already living here, these are some of the most common questions expats ask before choosing their insurance plan.
Yes. At minimum, Third-Party Liability insurance is required for all vehicles.
Usually only for short periods. Long-term driving requires Spanish insurance.
Yes — but typically only short-term. Long-term residence requires Spanish registration.
It depends on your country. EU licenses are valid. Others may require exchange after 6 months.
Often yes — we help you present proof to Spanish insurers.
ID/Passport, license, vehicle details, and address in Spain (NIE if available).
Some insurers allow free choice, others use preferred networks — we explain the difference.
Most plans include 24/7 roadside assistance, with coverage varying by insurer.
We guide you step-by-step and communicate with the insurer on your behalf.
The average cost of car insurance in Spain for expats depends on your age, car type, and driving record — typically between €15 and €60 per month.
We reply personally. No automated responses.
