Get a quote from The AA, and save up to €320 on your Car Insurance*
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*Online discount applies to new motor insurance policies purchased online only. Maximum discount value of €320 incl. fee commission write off applies. Subject to a minimum premium of €306.02.
Guide
Your complete guide to car insurance in Ireland
Buying your first car or switching insurance plans? Here’s our complete guide to help you prepare for the road ahead.
- Part 1 How car insurance works
- Part 2 Types of car insurance
- Part 3 How to reduce the cost of cover
Latest newsAverage cost of car insurance now €623
01/11/2025: Motor insurance premiums continued to soar last year. The average premium is now €623, a rise from €568 in the same period the previous year.
The NCID’s Private Motor Insurance Report 7, compiled by the Central Bank from data provided by insurers, shows that motor premiums increased by 9% in the first half of last year, following a downward trend between 2017 and 2022.
How to get cheaper car insurance
Whether you’re a young driver, new to the road or you’ve miles of experience under your belt - here’s some tips for securing cheaper car insurance.
Reduce your risk profile
You can’t change your age or location, but you can prove you’re a safe driver by taking an advanced driving course or having a black box installed.
Downsize your car
Larger cars with powerful engines are usually more expensive to insure. Swap yours for a smaller, newer model to reduce your premium.
Increase your excess
You can choose to pay a higher excess to lower your monthly insurance costs. Just be aware it also means forking out more when you have an accident.
Build your no claims bonus
A discount is given to drivers with a claims-free record and is chalked up over time. Build your no claims bonus (NCB) and reduce premium with a no claims discount.
Shop around for discounts
Buy online, take multi-car insurance or get a black box to enjoy a discount. Declare your claim-free history to bag your no claims discount (NCD).
Does it cost more to insure your electric car?
Electric car insurance in Ireland is becoming increasingly common, with many insurers now offering policies designed for electric vehicles.
While certain EV models may benefit from lower premiums, according to various studies, it typically costs around 10% more annually to insure an electric vehicle (EV) than a standard vehicle. However, it depends on the model and several other factors.
The best approach is to compare quotes for the specific make, model, and your personal profile, as premiums vary widely, just like with all car insurance.
Specific EV insurance benefits may include:
- Battery cover
- Home charging units and cable cover
- Out-of-charge breakdown assistance
- Discounted premiums
Why we have partnered with the AA
Experts in the field
Offering car insurance for over 40 years, and roadside rescue for over 100 years.
Tried and trusted
Excellence rating in online reviews including Google and TrustPilot.
Exceptional value
Allows your money go further, with fuel discounts and savings on other insurance products.
Exclusive perks
Online discounts, benefits and customer rewards as standard.
Other types of car insurance
Looking for something different? Read more about van, classic car or leaner driver insurance.
Van insurance
You must get van insurance if you use a van, truck, pickup truck, or jeep for commercial purposes. If you opt for fully comprehensive cover, there are things included as standard and a list of add-ons that cost more.
Classic car insurance
Is designed for cars typically older than 15-25 years, that are only driven occasionally. Just like regular insurance, you can get financial protection against accidental damage, third-party, and fire and theft claims.
Learner driver insurance
Is a licence that allows you to start learning to drive. There are different permits for different types of vehicle, so make sure you apply for the right one.
Breakdown rescue
Also known as roadside assistance or breakdown cover, breakdown rescue is a type of insurance that covers repair or recovery costs if your vehicle breaks down.