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*Online discount (up to €320) applies to new car insurance policies bought online only, with 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
Why have we 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.
How to get cheaper car insurance
Whether you’re a young driver, it’s your first time on the road, or you’ve miles of experience under your belt - here’s some tips for securing cheaper car insurance.
Opt for a black box
A black box is a device that monitors your driving. It measure things like speed, braking, and how many trips you take. It can be a good way to prove you’re a safe driver, and reduce your risk profile.
Reduce the size of 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 no claims discount is given to drivers with a claims-free record and is built up over time. Build your no claims bonus and reduce your premium with a no claims discount.
Is EV insurance cheaper?
Electric car insurance in Ireland is becoming increasingly common, with many insurers now offering specialised policies or features designed for electric vehicles. Due to a perception that EV owners drive shorter distances or are safer drivers, EV insurance can sometimes work out better value.
Benefits may include:
- Potentially lower premiums
- Incentives and discounts
- Battery cover
- Home charging units and cable cover
- Out-of-charge breakdown assistance
Latest newsAverage cost of car insurance now €616
08/05/2025: Motor insurance premiums surged in the first six months of last year. The average premium is now €616, a rise from €563 in the same period the previous year.
The NCID’s Private Motor Insurance Mid-Year 2024 Premium Data Release, which the Central Bank compiles from data provided by insurers, shows motor premiums were up by 9% in the first half of last year after trending downwards between 2017 and 2022.
Source: NCID Private Motor Insurance Mid-Year 2024 Premium Data Release
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.