Car group 3, as defined by the OIC (Office of Insurance Commission), covers large Asian-manufactured cars with engine sizes of 1,800cc and above. These vehicles are typically mid-to-high range sedans, MPVs, and some SUVs, offering more power and comfort compared to group 4 or group 5 cars.
Sum insured
840,000฿
Sum insured
1,250,000฿
Sum insured
900,000฿
Third party property
2,500,000฿
Third party property
1,000,000฿
Third party property
2,500,000฿
Excess
5,000฿
Excess
0฿
Excess
5,000฿
Panel
Panel
Panel
Protection
Flood protection
Protection
Flood protection
Protection
Flood protection
Roadside assistance
24 hrs
-
24 hrs
Installment up to 10 months no credit card required
Installment up to 10 months no credit card required
Installment up to 10 months no credit card required
*Conditions are as specified by the company.
Toyota and Honda remain dominant in the market, with strong sales across various categories, including large vehicles. Korean brands like Hyundai and Kia are also seeing success with models like the Carnival and Staria. These cars are widely used as family sedans, executive cars, and high-performance models for daily commuting.
Car group 3 vehicles are a popular choice among drivers who value a balance between performance, comfort, and long-term reliability. These cars are ideal for:
These vehicles often come with advanced safety features, premium interiors, and strong resale value, making them a smart investment for middle-to-upper income earners in Thailand.
Understanding the characteristics of car group 3 is essential when comparing insurance plans and estimating premium costs. Vehicles in this group typically share the following traits:
Knowing these details can help you make informed decisions when selecting a car insurance policy.
Insurance premiums for car group 3 in Thailand are typically moderate to high, depending on the model and coverage. Expect higher rates than group 4 or 5, but usually lower than luxury car group (group 1–2). Comprehensive insurance often includes repair at authorised service centres and access to genuine spare parts.
If you're unsure whether your vehicle falls under car group 3 or another category, there are a few simple ways to find out:
Understanding your car group is essential for choosing the right insurance plan. At MrKumka, our insurance experts can help you compare policies and find the best coverage at the most competitive price. Call us at 02 080 9292 or contact us online for a free consultation today.
