Car Insurance in Cyprus
Your nationality, driving experience, and licence country all affect your rate. We match you with the right insurer for your exact situation.
10+ insurers compared for your best rate
Car Insurance Matched to Your Situation
Every vehicle on the road in Cyprus must carry at least third-party liability insurance under Law 96(I)/2000. Driving without cover is a criminal offence that can result in fines, licence points, and vehicle impoundment.
Not every insurer treats every driver the same. Your nationality, the country that issued your licence, your years behind the wheel, and whether you can transfer a no-claims bonus all change which company will give you the best price. As an independent broker, we know which insurers are best for expats, new residents, young drivers, and long-term locals alike.
Tell us about yourself and your vehicle — we compare offers from leading insurers in Cyprus and find the cover that actually fits your profile. Buy online and receive your cover note by email within minutes.
Why use an independent broker? Unlike going direct to a single insurer, we compare offers from 10+ companies at once — so you see the real market price, not just one company's quote. There is no extra cost to you: insurers pay us, and you get the same policy at the same price, often with better service.
How it works
Get Your Personal Car Insurance Quote in 3 Steps
Every driver's situation is different. Give us a few details about yourself and your vehicle, and we will match you with the best insurer for your profile.
1 Tell us about your car
Share the make, model, year, and any modifications. This determines the insurance group and base premium.
2 Tell us about you
Your age, nationality, licence country, driving experience, and no-claims history all affect which insurer can offer you the best rate.
3 Get your personalised quote
We compare offers across our partner insurers and present the best options for your specific situation. Buy online or speak to our team.
Our Partners
We look for quotes from over 10+ trusted car insurance companies including:
Why Choose Us
We save your Time and Money
We streamline your search by comparing car insurance quotes from various providers in one place, saving you both time and money. Experience the ease of finding the best coverage at our affordable rates.
Easy Process
Streamlined, simple steps
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What type of car insurance do I need?
The right policy depends on your car, your budget, and how much risk you are comfortable carrying yourself.
By law you must have at least third-party insurance. But the level of cover you choose beyond that minimum makes a real difference if something goes wrong.
Comprehensive car insurance
The most complete protection available. It covers:
- 1. Repair or replacement costs if your car is damaged or written off.
- 2. Theft of your vehicle and fire damage.
- 3. Claims made against you by third parties, passengers, and their property.
- 4. Check your policy for extras like windscreen cover, courtesy car, and roadside assistance.
Third party, fire and theft
A mid-range option that adds fire and theft protection:
- 1. Covers damage you cause to other people, passengers, or their property.
- 2. Pays out if your car is stolen or damaged by fire.
- 3. Does not cover repairs to your own vehicle after an accident you caused.
Third party only
The legal minimum to drive in Cyprus:
- 1. Covers damage you cause to other people, passengers, or their property.
- 2. No cover for theft, fire, or damage to your own vehicle.
- 3. The cheapest option, starting from around €180 per year.
- 4. Best suited for older vehicles with low market value.
Car Insurance Cover Levels Compared
See exactly what each level of cover includes before you decide.
| Feature | Third Party Only | Fire & Theft | Comprehensive |
|---|---|---|---|
| Third-party liability | |||
| Passenger liability | |||
| Emergency medical treatment | Up to €35 | Up to €35 | Up to €35 |
| Personal accident cover | Up to €8,500 | Up to €8,500 | Up to €8,500 |
| Medical expenses (driver & passengers) | Up to €850 | Up to €850 | Up to €850 |
| Fire damage to your vehicle | |||
| Theft of your vehicle | |||
| Damage to your own vehicle | |||
| Natural disaster (flood, hail, storm, earthquake) | |||
| Riot, vandalism, civil commotion | |||
| Windscreen cover | Up to €500 | Up to €500 | Up to €800 |
| Personal belongings in car | Up to €170 | ||
| Key replacement (theft/accidental) | Up to €250 | ||
| New vehicle replacement (< 1 year old) | |||
| Loss of use extension | €25/day, up to 10 days | ||
| 24hr roadside assistance | |||
| 24hr accident assistance | |||
| Driving other cars (TPL, individuals) | |||
| NCB Protection | Optional | Optional | Optional |
| Typical annual cost | €180–€300 | €250–€400 | €400–€750 |
Popular Add-Ons and Policy Extensions
Customise your cover with optional extras available from most insurers in Cyprus.
Windscreen & glass cover
Repair or replace your windscreen without affecting your no-claims bonus. Typically around €30 per year.
Natural disaster protection
Covers damage from flood, storm, earthquake, and hail — events not included in standard policies.
No-Claims Bonus Protection
Keep your NCB discount even after making a claim. Available as an add-on with most insurers.
Driving other cars extension
Drive other vehicles on third-party cover. Useful for families or if you occasionally borrow a car.
Personal belongings cover
Covers items stolen from inside your vehicle, such as laptops, bags, or sports equipment.
GAP / loan protection
Pays the difference between the insurer's payout and your outstanding finance if your car is written off.
Green Card for Europe
Extends your cover when driving your Cyprus-registered vehicle across EU and EEA countries.
Personal accident cover
Pays a lump sum if you or named drivers suffer serious injury or death in a road accident.
How Much Does Car Insurance Cost in Cyprus?
Car insurance in Cyprus starts from €180 per year for basic third-party cover and rises to €750 or more for fully comprehensive cover on a standard family car.
| Coverage Type | Annual Cost | Notes |
|---|---|---|
| Third-Party Liability | €180 – €300 | Legal minimum, covers others only |
| Third-Party Fire & Theft | €250 – €400 | Adds fire and theft protection |
| Comprehensive | €400 – €750 | Full cover, most popular for expats |
| Young driver surcharge (<25) | +25–40% | Applied to base premium |
| No-Claims Bonus discount | Up to −60% | For 6+ claim-free years |
| Windscreen cover add-on | ~€30/year | Does not affect NCB |
Your exact premium depends on several personal factors — your age, driving experience, the country that issued your licence, and whether you can transfer a no-claims bonus from a previous insurer.
Younger drivers under 25 typically face a 25–40% surcharge on top of the base premium. Drivers with six or more claim-free years can save up to 60% through a no-claims discount.
Need help?
+357 99 857 807We compare rates across our partner insurers to find the best price for your specific situation. Use our free quote tool to see what you would pay.
Testimonials
What our Clients say about Us
Greate Service!
DigiCare's personalized service and attention to detail have been truly impressive. They tailored the perfect insurance plan for my family's needs
Andreas Papadopoulos
Nicosia
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As a British expat buying my first car in Cyprus, I had no idea how insurance worked here. The DigiCare team explained everything, compared quotes from multiple insurers, and made the whole process stress-free.
Emma Sinclair
Paphos
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Switching to DigiCare was one of the best decisions I've made. Their competitive pricing and innovative digital platform have saved me time and money.
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Larnaca
Car Insurance F.A.Q.
Your Questions Answered
Explore common queries about car insurance coverage, premiums, claims, and more in our FAQ section
