The prices you see are approximate and are based on a typical profile: a man of 40 years, with more than 10 years of experience at the wheel, without previous accidents, and leading a SEAT Ibiza 2015, living in Madrid. Note that coverage can change depending on the modality you choose. If you are looking for more accurate figures, I suggest you use a comparison as a Tracker or OCU, by entering your specific data.
Top 10 car insurance in Spain in 2025
1. Mapfre – Insurance to All Risk
- Highlights: Civil responsibility (RC), own damage, theft, fire, moons, road assistance from km 0, replacement vehicle.
- Estimated price (annual)550 â ¬ 700 â™a (all risk without franchise).
- Why it stands out: Leader in Spain for its extensive network of workshops, fast gestiÃ3n of sinisters and flexibility to customize policies.
2. Mutua Madrileña – Third Enlarged
- Highlights: RC, robbery, fire, moons, travel assistance, legal defense, coverage of cinematic animals.
- Estimated price250 â ¬ – 350 â ¬.
- Why it stands out: Excellent quality-price ratio and discounts for mutualists, with high value in customer service.
3. AXA Insurance – All Risk with Franchise
- Highlights: RC, own data (200-300 franchise), theft, fire, 24/7 assistance, international protection.
- Estimated price400 â ¬ 550 â ¬
- Why it stands out: Competitive prices at all risk and good coverage in associated workshops.
4. Direct Line – Basic Third
- Highlights: RC, legal defense, road assistance, driver accidents.
- Estimated price180 â ¬ 250 â ¬.
- Why it stands out: One of the cheapest options on the market, ideal for drivers with old vehicles or occasional use.
5. Allianz – All Risk Without Franquicia
- Highlights: RC, own data, theft, fire, moons, global assistance, court vehicle.
- Estimated price$600.
- Why it stands out: Premium coverage with additional services such as fines and international assistance.
6. Pelayo – Third Enlarged
- Highlights: RC, robbery, fire, moons, assistance from km 0, free choice of workshop.
- Estimated price230 â™a – 320 â™a
- Why it stands out: Focused on speed (peritation in 24h) and personalized attention, with good value for the OCU.
7. Direct Insurance – Third Enlarged
- Highlights: RC, robbery, fire, moons, physical assistance, judicial defense.
- Estimated price200 â ¬ 280â€.
- Why it stands out: Part of the AXA group, offers adjusted prices and easy contracting online.
8. Qualitas Auto – All Risk with Franchise
- Highlights: RC, own data (150-300 franchise), theft, fire, full assistance.
- Estimated price– 500!
- Why it stands out: Flexibility in coverage and competitive prices, with good digital management.
9. Verti – All Risk Without Franquicia
- Highlights: RC, own damage, theft, fire, moons, 24/7 assistance, high compensation per driver.
- Estimated price– 720!
- Why it stands out: Digital innovation and complete policies, ideal for those looking for everything online.
10. Reale Insurance – 3rd Basic Plus
- Highlights: RC, road assistance, legal defense, accidents of the driver, option of adding theft/cloths.
- Estimated price190 â ¬ 260 â ¬
- Why it stands out: Low prices with possibility of customization, and good customer service.
Price comparison and coverage
| Assurance | Modality | Estimated price (Annual) | Key Coverages | Main Advantage |
|---|---|---|---|---|
| Mapfre | All Risk | 550 â™a 700 â™a | Own dates, robbery, assistance | Workshop network and flexibility |
| Mutua Madrileña | Third Enlarged | 250 â™a – 350 â™a | Robo, fire, animals | Quality-price |
| AXA | All Risk Franchising | 400 â™a – 550 â™a | Our own, global assistance | Competitive price |
| Direct line | Basic thirds | 180 â™a | RC, basic assistance | Very econic |
| Allianz | All Risk | 600 â™a | Our own, global assistance | Premium coverage |
| Pelayo | Third Enlarged | 230 â™a – 320 â™a | Robo, moons, free choice workshop | Rapidity in sinisters |
| Direct Insurance | Third Enlarged | 200 â™a – 280 â™a | Robo, fire, moons | Online contracting easy |
| Qualitas Auto | All Risk Franchising | 380 â™a 500 â™a | Owns, full assistance | Flexibility |
| Verti | All Risk | 580 – 720 | Own dates, high compensation | Digitalization |
| Reale Insurance | Básico Plus | 190 â™a | RC, assistance, customizable | Customer service |
Tips for choosing
- Car usage: If it is new or of high value, opt for an all-risk (Mapfre, Allianz, Verti). If it is old or you use it little, a physical or enlarged third party (Lánea Directa, Mutua, Pelayo) is sufficient.
- Budget: The basic third parties (Direct Line, Reale) are ideal to save; all risks with franchise (AXA, Qualitas) balance cost and protection.
- Extras: Value road assistance from km 0 (Mapfre, Pelayo), vehicle of substitution (Allianz, Mutua) or international coverage (AXA, Allianz) if you travel.
Final notes
These data are projections based on the current market and the accounting of insurers. Real prices vary according to your profile (age, history, location) and car. Use online comparisons or consult directly with insurance companies to confirm offers in force in 2025.
