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- Get quotes from Thailand’s best insurers
- Instant, private quotes with no contact details needed
- Pay in easy instalments
Get a car insurance quote in 3 easy steps
Receive free car insurance quotes online in under a minute with the price that’s right for you.
1. Your car details and main driver details
Enter your car’s make, model, and your personal details to get started.
1. Your driving history
Provide your claim history, mileage, and driving habits. Mention any no claims discount you have.
3. Compare and choose
Instantly review quotes to find the perfect coverage at the best price.
Our trusted car insurance partners
We work with 15+ top insurance providers in Thailand to bring you the best coverage options and competitive rates.
VOICE OF CUSTOMERS
Real reviews from our happy customers
We guarantee great customer service. Here are some of our unbiased, third-party customer reviews
K.May is the best customer service. She’s very kind & clam. She explained more detail so clear in gentle way.
Trusted Customer
01/02/2024
Very good service and fair price I am highly recommended this company to anyone who looking for car insurance
Trusted Customer
01/02/2024
Very good service and fair price I am highly recommended this company to anyone who looking for car insurance
Trusted Customer
06/01/2025
Customer reviews
4.9/5
Certified by Feefo.com
What type of car insurance coverage do I need?
Car Insurance Type 1
Starting from THB 491.96 / month*
- Damage to your vehicle (with or without third-party)
- Liability to third parties
- Windscreen damage
- 24/7 towing
- Theft, fire, natural disasters
- Personal accident, bail bond, medical expenses
Car Insurance Type 2+
Starting from THB 434.75 / month*
- Damage from accident with a third-party
- Liability to third parties
- 24/7 towing
- Theft, fire, flood damage
- Personal accident, bail bond, medical expenses
Car Insurance Type 3+
Starting from THB 410.78 / month*
- Collision with a third party
- Liability to third parties
- 24/7 towing
- Personal accident, bail bond, medical expenses
Car Insurance Type 2
Starting from THB 460.05 / month*
- Liability to third parties
- Theft and fire
- Personal accident, bail bond, medical expenses
Car Insurance Type 3
Starting from THB 359.43 / month*
- Third-party liability
- Personal accident, bail bond, medical expenses.
Compulsory Motor Insurance (Por Ror Bor)
Starting from THB 645 / year
- Basic accident protection
- Limited financial coverage
- Annual renewal required
EV Insurance
Starting from THB 648.13 / month*
- Full vehicle damage coverage
- Windscreen protection
- 24/7 towing
- Theft, fire, natural disasters
- Personal accident, bail bond, medical expenses
- Charger and battery replacement
Compare car insurance policies from the leading insurers in Thailand in 1 minute.
*Premiums for 10-month installments. Prices shown reflect actual premiums paid by customers.
Compare car insurance coverage by different policies
| Coverage details | Car Insurance Type |
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1
2+
3+
2
3
Por Ror Bor
EV
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*Depends on the conditions of each insurance company.
*Additional coverage can be purchased from the insurance company.
Why compare car insurance with MrKumka?
Free quotes
Get free car insurance quotes without providing your contact information upfront or dealing with pushy sales agents.
Wide comparison
Compare insurance from 16 different companies and customise your policy by choosing your desired sum insured, instalment plan, deductible & more.
Customer-centric approach
We prioritise satisfaction, proven by our 4.9/5 customer review score. Happy customers are more likely to return and recommend us.
EASY AND SAFE
Convenient and easy payment methods
At MrKumka, paying for your auto insurance is simple and hassle-free. Once you’ve purchased your car insurance, our agents will contact you to confirm the details and assist with any questions.
Choose from a variety of convenient payment options to suit your needs:
- Mobile Banking: Pay via an application on your smartphone.
- Internet Banking: Make transactions anywhere anytime.
- Credit/Debit Card: Pay in full or in monthly instalments.
- Promotional Credit Card: Pay in instalments to each card provider.
- PromptPay: Convenient and quick payment option.
- Electronic Channels: Use TrueMoney.
Do I need car insurance?
Yes, you need car insurance in Thailand. It is mandatory to have at least compulsory insurance, known as Por Ror Bor. This insurance provides basic protection for accidents involving pedestrians, drivers, or passengers, covering injuries and deaths. Without it, you cannot legally operate a vehicle on Thai roads.
Additionally, you can opt for more comprehensive coverage through voluntary insurance to protect yourself and your vehicle.
VOICE FROM EXPERT
Hear what our experts have to say
Why are more people choosing MrKumka for car insurance in Thailand?
According to our data, car insurance policies in 2024 saw a 25% increase in growth compared to the previous year. This surge is largely thanks to platforms like MrKumka, which helps users search for affordable premiums, compare coverage, and pay with convenient payment methods with just a few questions.
While most customers are based in Bangkok, more and more customers from provinces are buying car insurance due to the competitive pricing that we offer. Provincial customers grew by 16%, while customers in Bangkok increased by a notable 50%.
-Supinya WuttitrairatInsurance Expert
How can I get cheaper car insurance?
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1. Shop around for quotes
Utilise online comparison tools like MrKumka to gather quotes from various insurance providers. This allows you to find the most competitive rates and the best coverage options suited to your needs.
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2. Customise your policy
Customise your insurance by adding options like insurance excess, naming an additional driver, and choosing a panel car repair garage. These adjustments can help lower your overall premium costs.
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3. Install a dashcam
Some insurance companies offer discounts if you have a dash cam installed in your vehicle. This can also help you provide evidence in case of an accident.
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4. Increase your deductible
Opting for a higher deductible means you’ll pay more out-of-pocket in the event of a claim without a third-party or when you’re at fault, but it can substantially lower your monthly or annual premium and will save you more if you make no claims.
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5. Maintain a good driving record
Safe driving habits can lead to lower insurance rates. Avoiding accidents and traffic violations can help you qualify for no claims bonuses and other discounts.
What are the different types of car insurance coverage options?
In addition to standard coverage, many insurance companies offer customisable options to enhance your protection and potentially reduce your premium.
Excess insurance
A preset amount you pay for minor accidents to avoid claims and maintain a good driver record that can lower your insurance premium.
Driver plans
It allows you to add additional drivers to your policy and provides coverage for multiple drivers, reducing your premium if you specify named drivers.
Repair garage options
Choose the type of garage (panel, dealer, etc.) for repairs. It may lower your premium based on the insurer’s network and policy.
Emergency roadside assistance
This service often includes towing, battery jump-starts, flat tyre changes, and more. Be sure to check with each insurer if this is included in your policy or if it requires an additional fee.
What types of cars can I insure?
This group includes medium sedans like the Toyota Altis and Sienta. These cars are compact, easy to park, and ideal for city driving. They are cost-effective to insure, making them suitable for novice drivers or those looking for economical options.
This group consists of small sedans or eco-cars such as the Honda Brio and Nissan March. These vehicles are affordable, have small engines, and are economical to maintain and insure. They are a good choice for inexperienced drivers seeking lower insurance premiums.
This group includes high-end premium vehicles like Mercedes-Benz, BMW, and Audi. These cars feature advanced technologies, superior performance, and premium design. They are expensive to insure due to their high market value and exclusive features.
This group covers SUVs such as the Toyota Fortuner and Honda CR-V. SUVs are spacious, making them ideal for families and travellers. They offer better visibility and safety features but tend to have higher insurance premiums due to their size and value.
VOICE OF CUSTOMER
Customer testimony
FAQs
Frequently asked questions
Car insurance in Thailand ranges from THB 3,000 to THB 30,000 annually for common vehicles and up to THB 80,000 for luxury vehicles. If on an instalment plan, monthly payments can range from THB 300 to THB 3,000 for common vehicles, and up to THB 4,500 for luxury vehicles. Costs vary based on factors like vehicle type, insurance type, driving history, and the insurer. Use tools like MrKumka for a precise quote.
MrKumka works with leading insurance providers in Thailand, trusted for their reliability and customer service. Here are some of the top companies we partner with:
Viriyah Insurance is Thailand’s leading non-life insurance company, offering coverage for vehicles, marine, assets, and more. They are well-known in the market and have an extensive network of shops.
Muangthai Insurance is one of the most popular brands in Thailand, providing a wide variety of health and vehicle insurance types and packages.
Roojai Insurance is a fast-growing company with an excellent reputation among Thai and English-speaking customers. They offer car insurance, motorcycle insurance, and various health-related insurance types, including critical illness coverage.
Bangkok Insurance is a well-established company in Thailand with 70 years of reliable experience. They provide comprehensive risk coverage, including car insurance, travel insurance, and various health insurance options.
Allianz Ayudhya Insurance is a renowned international brand for non-life insurance, serving customers in over 70 countries. They have expanded across 27 provinces in Thailand, offering car insurance, home and property insurance, and health-related insurance packages.
You can easily check your car insurance quote on MrKumka, customise your policy coverage, and enter your details to proceed with the purchase. If you prefer, you can also give us a call at 02 080 9292.
Learn more on how to buy car insurance with MrKumka
Enjoy the convenience of a remote video or photo car inspection by easily sharing your footage with our agents. After purchasing your car insurance on MrKumka, our agents will contact you with inspection details and keep you updated on the approval status. For an in-person car inspection, please call us at 02 080 9292.
Each insurance company has its own claims process. Generally, you should contact your insurer right after an incident and collect all necessary information (photos, details, witness contacts). Follow their instructions, which might include filing a police report and having your vehicle inspected. Submit all required documents so your insurer can process the claim and update you on the outcome.
Reach out to us at 02 080 9292 if you need help with a quote for a car or have any other questions or concerns regarding car insurance.
By Chalit Borwonnauwarux | 17 Dec 2025
Learn more about insurance with Mrkumka
