Car Insurance in Cyprus

Get your car insurance quote online in 60 seconds

Three steps, and no name, phone or email until you decide to buy. The calculator prices your car, your drivers and your claims history live and shows two quotes, third-party and comprehensive. Before you buy, our advisers compare that price across 10+ Cyprus insurers and tell you if another one is cheaper or covers more for your profile.

How much does car insurance cost in Cyprus in 2026?

Five real Cyprus driver profiles priced in September 2026 came to €183 to €341 a year for third-party only, €237 to €408 for third-party, fire and theft, and €333 to €587 for comprehensive. A 25-year-old in an €8,000 hatchback pays €341 for third-party cover; a 65-year-old in a €12,000 saloon pays €183.

Real Cyprus car insurance quotes, September 2026

Quotes verified: 31 August 2026. All five were priced in Paphos with the no-claims bonus proven and an excess of about 1% of the car's value (minimum €200). Your own price moves with your postcode, your exact car and the drivers you name.

Real annual premiums returned by AIG's official Cyprus rater for these profiles and verified by DigiCare. AIG is one of the insurers on our panel; your instant quote is compared across the others before you buy.

Four things that move your price

Your car

Market value, engine size and age set the comprehensive premium more than anything else. A €30,000 2.0-litre costs €587 a year to insure comprehensively; a €12,000 1.6-litre saloon costs €333.

Your driving experience

Insurers price every year you have held a licence. Under 25, or under 12 months on a full licence, means a higher premium and an extra fixed excess on any claim.

Your claims record

Each claim-free year earns a discount, up to 60% after five years with most Cyprus insurers. One at-fault claim undoes most of it. A dated no-claims letter from your previous insurer, in the UK or any EU country, carries the discount to Cyprus.

Your age

The 25-year-old in our table pays €341 for third-party cover; the 65-year-old pays €183 for the same cover on a similar car. Over 70, an insurer may ask for a medical attestation, but since April 2026 it cannot refuse or load third-party cover on age alone.

The biggest swing on a Cyprus quote is not the car. It is whether you can prove a clean record from your previous country. A dated no-claims letter moves a comprehensive premium from the top of the band to the bottom faster than any change of vehicle.

Published Cyprus ranges run €180 to €280 a year for third-party, €250 to €450 for fire and theft and €400 to €750 for comprehensive. Most insurers, among them AIG, Trust, Eurosure, Atlantic, GIC, Gan Direct, Anytime and Cosmos, publish no price at all until you fill in a form. The table above is the only per-profile price data we know of for Cyprus.

For 48 more real quotes across ages and cars, read our average car insurance cost study, and for the formula behind them, how car insurance is priced in Cyprus.

Is car insurance mandatory in Cyprus?

Yes. Every vehicle used on a public road in Cyprus must carry third-party liability insurance under the Motor Vehicles (Third Party Insurance) Law 96(I)/2000. The statutory minimum cover is €38,600,000 for bodily injury and €1,300,000 for property damage per event, among the highest in the EU.

What driving uninsured costs in Cyprus

The full penalty schedule, and what happens at the roadside stop, is in our guide to driving without insurance in Cyprus.

Third-party, fire and theft, or comprehensive: which cover do I need?

Third-party only pays for the injury and damage you cause to other people and nothing for your own car. Third-party, fire and theft adds your car being stolen or burnt. Comprehensive adds your own crash damage, vandalism and storm or flood, and is the only level that pays after a single-car accident.

What each level pays for

Limits shown are from the policy our calculator prices. Other insurers on our panel set their own limits, and we show you those when we compare.

Fire and theft, or comprehensive?

If the car is under 12 months old, new vehicle replacement on comprehensive gives you an equivalent new car if it is written off or not recovered within three months. On a finance deal that alone usually pays for the upgrade.

What no motor policy pays for

Drink or drug driving

Any claim is refused if the driver was under the influence at the time.

An unlicensed or unlisted driver

No valid licence, or not on the schedule as an authorised driver, and the claim is refused.

Wear and tear

Gradual deterioration, mechanical failure and the loss in resale value after a repair.

Tyres

Damage from braking, bursts or punctures, unless it is part of an insured accident.

Money, phones and electronics

Cash, documents, mobile phones and electronic equipment left in the car.

Use outside the schedule

Any purpose not allowed by the limitations as to use printed on your policy, such as hire or reward.

How do the no-claims bonus and the excess work in Cyprus?

No-claims bonus

Every claim-free year earns a discount on your premium, up to 60% after five years with most Cyprus insurers. Most accept a no-claims letter from a UK, EU or other recognised insurer, dated within the last 12 months, so you bring your bonus with you when you move.

The letter needs your name, your claim-free years and your full claims history on the previous insurer's letterhead. Our guide to transferring a no-claims bonus to Cyprus lists what each insurer accepts.

No-claims bonus protection is an optional add-on. Once active, one or two claims in any three-year period do not reset your discount. It earns its keep once you have passed 50%.

Excess

The excess is the first part of any own-damage claim that you pay yourself. On the policy our calculator prices it is about 1% of the car's value, with a €200 minimum. An extra fixed excess applies to drivers under 25 and to anyone with under 12 months on a full licence. Your schedule shows the figure before you sign.

Age and experience loadings

Which car insurance add-ons are worth paying for in Cyprus?

Most add-ons are upsells of limited value. Four earn their keep.

Eight smaller extras

Car insurance for expats, drivers under 25 and drivers over 70 in Cyprus

Three groups need a different conversation at the quote stage, and more often than not a different insurer.

Expats and new residents

Some Cyprus insurers decline non-EU licences outright; others price them well. We know which ones accept yours. Bring your no-claims letter, your yellow slip (MEU1) and, if you imported the car, the customs certificate, and tell us which country issued your licence.

Car insurance for expats in Cyprus

Drivers under 25

Expect a higher premium and an extra fixed excess of €350 to €500 on any claim. Two things work in Cyprus: be a named driver on a parent's policy at the same address, or start your own no-claims clock with third-party cover on a low-value car.

Car insurance for young drivers in Cyprus

Retired drivers and drivers over 70

We place cover for retired drivers every week, with insurers on our panel who quote them at fair rates; a medical attestation may be asked for. Since the April 2026 amendment to Law 96(I)/2000, no insurer may refuse or load third-party cover on age alone, it must give written reasons if it declines, and the Insurance Commissioner can fine it up to €10,000 if it breaks the rule.

Car insurance over 70 in Cyprus

What you need for a quote

You do not need every document on day one. We issue a same-day cover note while you collect the rest, and the full policy follows by email.

Comparing insurers rather than cover levels? Read our guide to the best car insurance companies in Cyprus.

How do I make a car insurance claim in Cyprus?

Every motor policy we arrange includes 24-hour accident and roadside assistance on all three cover levels. Call the number on your certificate, make the scene safe, exchange details and report the claim within 24 hours. DigiCare handles the paperwork with the insurer for you.

01

Make the scene safe and call assistance

Move to safety, switch on your hazard lights and call the 24-hour assistance number printed on your insurance certificate. In Cyprus this line sends roadside help and can attend a non-injury accident scene.

02

Document everything

Photograph the vehicles, the damage, the number plates and the location, and exchange names, licence and insurance details with the other driver. If anyone is injured or the cars cannot be moved, call the Police on 199, or 112 from any phone.

03

Report the claim within 24 hours

Tell us or the insurer as soon as you can, ideally within 24 hours, with your policy number, the other party's details and your photos to hand. A windscreen-only claim usually leaves your no-claims bonus untouched.

04

We manage the claim

DigiCare deals with the insurer, tracks the repair and keeps you informed, so you speak to us and not a call centre. If an uninsured or untraced driver hit you, the claim goes through the Motor Insurers' Fund.

For the full roadside checklist, read what to do after a car accident in Cyprus.

Broken down rather than crashed? See 24-hour road assistance in Cyprus.