Automobile Insurance in Spain: Top Companies, Coverage Options, Premiums, and Tips
for Tourists . Every motorist in Spain is obliged to have a minimum of third-party risk insurance, which pays
for losses and personal injuries to other persons. Various car insurance options include full
insurance, partial insurance, and in many cases valuable insurance for tourists renting cars. In
this Section, we examine ten largest insurance firms in Spain, the products they provide,
premiums, and information for travelers.
1. Mapfre
Website: www.mapfre.es
Automobile Insurance coverage Options:
The coverage is basic third party, third party fire and theft, and the comprehensive.
Premium Rates:
Third party only plans go for about €200 per year while fully comprehensive policies are in the
region €500.
Tourist Insights:
Mapfre has available services for tourists who want to rent a car with extra options at an
affordable price with English assistance.
2. AXA Seguros
Website: www.axa.es
Automobile Insurance Coverage Options:
This company provides choices of Third party, Third party fire and theft and Comprehensive
insurance as well as Roadside assistance and Legal expenses.
Premium Rates:
Third party liability begins at about €220 a year; third party, fire and theft cost between €400 and
€600.
Tourist Insights:
AXA is specially recognized for having a multilingual service and a good website with many
tools for the management of policies.
AXA is known for providing multilingual support and offers a robust online platform for policy
management.
3. Allianz Spain
Website: www.allianz.es
Automobile Insurance Coverage Options:
Allianz offers a third party, third party fire and theft, and a fully comprehensive cover.
Premium Rates:
The essential insurance begins in directories from €250; There are plans that offer
superintendence the norm being €450 to €650.
Tourist Insights:
Allianz offers a program known as “Roadside Assistance Plus” which is especially useful for
drivers who will be touring outside the city – the program guarantees a fast support on the road.
4. Liberty Seguros
Website: www.libertyseguros.es
Automobile Insurance Coverage Options:
These vary from third party, fire and theft to fully comprehensive including and excluding
breakdown cover.
Premium Rates:
Third Party is from €200 and Comprehensive from €500 for the premium amount.
Tourist Insights:
Liberty Seguros has English speaking support and plans for car hire that include personal
accidents more useful for visitors.
5. Zurich Spain
Website: www.zurich.es
Automobile Insurance Coverage Options:
Regarding Zurich options available one can name third party, fire and theft, and fully comp with
Abbotts.
Premium Rates:
Third party only policies start from about €230 with fully comprehensive policies costing
between €500 and €700 per year.
Tourist Insights:
Zurich has a special reputation for its fast processing of claims; such service is crucial for joyful
travels without misfortunes.
6. Linea Directa
Website: www.lineadirecta.com
Automobile Insurance Coverage Options:
It is also good for third party and a package with all necessities at an average price with an added
benefit of offering road side assistance.
Premium Rates:
Basic insurance can be purchased for €180, while full insurance cost ≈ €400 – €550.
Tourist Insights:
A particular advantage of coverage with Linea Directa is easy registration on the company’s
website and further online account maintenance; temporary policies are also possible.
7. Reale Seguros
Website: www.reale.es
Automobile Insurance Coverage Options:
It includes third party, fire, theft and fully comprehensive with the addition of an option for
replacement of rental cars.
Premium Rates:
The cheapest package is less than €190 up to a full package of €450-€600 per year.
Tourist Insights:
With car replacement and accidental forgiveness, Reale Seguros is particularly good for tourists.
8. Mutua Madrileña
Website: www.mutua.es
Automobile Insurance Coverage Options:
It strives to provide all kinds of policies from the third-party to the complete policy and Young
Driver Policy.
Premium Rates:
Third party insurance is offered from €210 while full cover costs between €500 to €700.
Tourist Insights:
The interesting changes at Mutua Madrileña include options that good for the customers as
comprehensive information covering windshield repair and accident are also offered.
9. Catalana Occidente
Website: www.seguroscatalanaoccidente.com
Automobile Insurance Coverage Options:
They provide third party, theft and fire insurance and all in all insurance coverage packages.
Premium Rates:
Third-party only costs €200 while third party and fire costs up to €550.
Tourist Insights:
Their policies include some which are useful for tourists such as the full travel insurance
combined with the rental insurance.
10. Mutualidad de Levante
Website: www.mutualidaddelevante.es
Automobile Insurance Coverage Options:
It specializes in the third party and full coverage insurance plans and policies both for
residents and those who have citizenship in other countries.
Premium Rates:
Third party insurance costs €170 while fully comprehensive costs close to €450.
Tourist Insights:
It presents non-resident insurance solutions, perfect for persons visiting Spain for a short time
and plan on driving a vehicle.
Key Coverage Types in Spain
Third-Party Liability:
It is mandatory by law, for compensation to third party for losses and/or injuries. The standard to
calculate the premiums varies from €170 and €250.
Partial Coverage:
Includes theft, fire and by times vandalism option that usually costs between €200 and €400 per
year.
Full Comprehensive Coverage:
It combines property damage and third party legal responsibility with average premiums range
between €400 to and €700.
Why Tourists Need to have Automobile Insurance when in Spain
To the tourist, auto insurance provides security in the sense that sometimes, mishaps such as
theft, an accident or a break down on the road can pinch the pocket heavily in the absence of
insurance. Most of the insurance companies in Spain provide English-speaking services and
user-friendly web-sites, so getting the required kind of protection is not a problem for a tourist
anymore. It is recommended especially for tourist going for long distances since it also has
roadside assistance and personal accident, which are not covered on basic plans.
Conclusion
Given these factors, it is clear that the choice of the best auto insurance depends on the pocket of
the client, the type of coverage required, the type of client – whether a resident, or a tourist. Also
more temporarily insurance solutions help tourists to get financial security and safety on their
trips and options from these companies can be appropriate for the tourists’ needs. You can get
the best experience if you work with a provider that has excellent customer assistance and all
round digital management features.
