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Driving in Spain means your vehicle must be insured before it can legally be used on the road. The minimum requirement is third-party liability cover, which protects other drivers and road users if you are responsible for an accident.
Beyond the legal requirement, car insurance policies in Spain can vary considerably depending on the level of protection you choose. Some drivers prefer basic cover, while others opt for broader protection that may include benefits such as windscreen repair, breakdown assistance or legal defence.
The Dragon Insurance team help residents and expatriates understand how these policies work and what each option includes. Established in Spain since 1998, our role is to explain everything clearly and help you arrange cover that suits your circumstances.
If you’re insuring a newly registered vehicle, changing insurers, or reviewing an existing policy, you can request a personalised insurance quote or contact our team for straightforward advice.
Alongside car insurance, we can also help with motorbike insurance and electric scooter insurance, so you can keep all your vehicle cover in one place.
Car insurance in Spain is required for anyone driving a vehicle on public roads, but the type of policy you choose will depend on your situation.
This cover is typically arranged for:
In Spain, the minimum level of car insurance required is third-party liability cover, which protects other drivers, passengers and property if you are responsible for an accident. Breakdown assistance (including towing) is also typically included.
Many drivers choose a higher level of protection depending on the vehicle and how it is used. Comprehensive policies may include a wider range of benefits to help cover repairs, breakdowns and legal support if something goes wrong.
Since 1 January 2026, UK-registered vehicles can no longer be insured with Spanish insurance policies.
If you live in Spain and use a vehicle here long-term, the car normally needs to be registered in Spain before it can be insured locally. If you're unsure how this affects your situation, it's best to speak with a broker before arranging cover.
If you are insuring a newly registered vehicle, changing insurers, or reviewing your current policy, you can request a car insurance quote or contact the team for guidance.
Car insurance policies in Spain are generally offered in three main levels of cover. The right option depends on the age of your vehicle, how often it is used, and the level of protection you want.
This is the minimum legal requirement in Spain. It covers damage or injury caused to other drivers, passengers and property if you are responsible for an accident. Breakdown assistance, including towing, is also typically included.
It does not cover damage to your own vehicle.
This level of cover includes all the protection of third-party insurance, with additional cover if your vehicle is damaged by fire or stolen.
Many drivers choose this option for older vehicles where full comprehensive insurance may not be necessary.
This offers the widest level of protection. In addition to third-party cover, it can include protection for damage to your own vehicle, depending on the policy.
Comprehensive policies may also include benefits such as breakdown assistance, legal protection, glass cover and a courtesy vehicle.
Car insurance policies in Spain can include a range of additional protections depending on the level of cover you choose and the insurer providing the policy.
Some of the most commonly included features may include:
Many policies include roadside assistance for the vehicle and its passengers if the car breaks down or becomes undriveable.
Windscreen chips and window damage are common on Spanish roads. Some policies include repair or replacement without an excess.
Legal assistance may be included to help deal with disputes or claims arising from a road accident.
Some policies provide a replacement vehicle while your car is being repaired following an accident.
Drivers with a strong claims history may be able to protect their no-claims bonus depending on the policy conditions.
Many Spanish policies allow you to drive across Europe while maintaining insurance protection.
The exact features included will depend on the insurer and the type of policy chosen. Speaking with an experienced broker can help you compare options and understand what protection you are actually getting.
In most cases, insurers will need a few basic details before they can provide a car insurance quote.
Providing accurate information helps ensure the policy matches how the vehicle is actually used.
Arranging car insurance in Spain can raise a few practical questions, especially for residents and expatriates who are used to different rules.
Here are some of the questions people ask most often.
Fill in the form and we’ll get back to you to discuss the details needed for your insurance enquiry.
Or, if you prefer, send us a message on WhatsApp and we’ll guide you through what information we need.
Independent insurance specialists supporting expats and residents across Spain since 1998.
Dragon Insure . All rights reserved.
Independent insurance specialists supporting expats and residents across Spain since 1998.