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*Based on the premium rates of our low mileage policy. Actual savings may vary depending on individual circumstances and coverage selections.

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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.

2. 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 16 top insurance providers in Thailand to bring you the best coverage options and competitive rates.

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Very good service and fair price I am highly recommended this company to anyone who looking for car insurance

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Get a plan that fits your driving style

What type of car insurance coverage do I need?

Car Insurance Type 1

This is the most comprehensive cover you can get. It covers you for:

  • Damage to your vehicle, whether or not a third party is involved.
  • Liability to third parties for damages, bodily harm, or death.
  • Damaged or cracked windscreen.
  • 24/7 towing service.
  • Theft, fire, or natural disasters like floods.
  • Personal accident, bail bond, and medical expenses due to bodily injury.

Car Insurance Type 2+

This covers you for:

  • Damage to your vehicle due to a car accident with a third party.
  • Liability to third parties for damages, bodily harm, or death.
  • 24/7 towing service.
  • Theft, fire, or flood damage.
  • Personal accident, bail bond, and medical expenses due to bodily injury

Car Insurance Type 3+

This is a fairly comprehensive plan. It covers you for:

  • Damage to your vehicle due to a collision with a third party.
  • Liability to third parties for damages, bodily harm, or death.
  • 24/7 towing service.
  • Personal accident, bail bond, and medical expenses due to bodily injury.

Car Insurance Type 2

This covers you for:

  • Liability to third parties for property damages, bodily injuries, or death.
  • Theft and fire.
  • Personal accident, bail bond, and medical expenses due to bodily injury.

Car Insurance Type 3

This is the most basic voluntary cover. It covers you for:

  • Liability to third parties for damages and bodily harm or death.
  • Personal accident, bail bond, and medical expenses due to bodily injury.

Compulsory Motor Insurance (Por Ror Bor)

This is required by law and covers:

  • Basic protection for anyone involved in a car accident, including pedestrians, drivers, and passengers.
  • Limited financial protection compared to voluntary insurance.
  • Must be renewed annually to avoid a 10,000 THB fee.

EV Insurance

This is tailored for electric vehicles and covers:

  • Damage to your vehicle, whether or not a third party is involved.
  • Damaged or cracked windscreen.
  • 24/7 towing service.
  • Theft, fire, or natural disasters like floods.
  • Personal accident, bail bond, and medical expenses due to bodily injury.
  • Wall charger and battery replacement in case of an accident.

Compare car insurance policies from the leading insurers in Thailand in 1 minute.

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Compare car insurance coverage by different policies

Coverage details Car Insurance Type
1
2+
3+
2
3
Por Ror Bor
EV
Coverage details
Car damages without a third party
Car damages with a third party
Damage to windshield
24hr Towing service
Car Theft
Car Fire
Flood or natural disasters
Third party property damages
Third party bodily injuries and loss of life
Medical expenses
Personal accident coverage
Bail bonds
Wall Charger
Battery replacement in case of accident
Loss of Vital Organ
Daily Compensation
1
2+
3+
2
3
Por Ror Bor
EV

*Depends on the conditions of each insurance company.

*Additional coverage can be purchased from the insurance company.

Find the best deal with MrKumka

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.

MrKumka Payment Channels
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?

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.

Do I need car insurance?
Supinya Wuttitrairat
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 much does car insurance cost in Thailand?

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.

How can I get cheaper car insurance?

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.

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.

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.

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.

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

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FAQs

Frequently asked questions

Which is the best company for car insurance?

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.

How do I buy voluntary car insurance with MrKumka?

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

How to do a vehicle inspection 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.

How do I make an insurance claim?

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.

How can I contact MrKumka?

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.

Learn more about insurance with Mrkumka

Car insurance guides from experts

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