Free Roadside Assistance
Free Acts of God/Acts of Nature
CASA Coverages Up to 10 Years old
Flexible Payment Terms
Why choose us?
Affordable protection with low premiums to fit your budget and your peace of mind
Quick and easy claim settlement, putting money in your hands when you need it most.
Hassle-free coverage with zero paperwork—simple, fast, and entirely digital.
Immediate coverage for life's unexpected moments, with no waiting periods—secure protection instantly.
How it Works
Provide your Vehicle Details
When providing vehicle details for the insurance, please select brand, model, variant, year.
Provide Your Contact Details
Once you have selected your vehicle details, enter your city, name and mobile number.
Get Your Insurance Plan
Our agent will contact you with the best insurance plans for your vehicle.
Benefits of car Insurance
File claims any time of the day, any day of the week.
Covers the cost of repairs or total write-off of vehicle
Provides emergency services like roadside assistance.
Assists you with legal proceedings with a third party case.
What is Car insurance?
Car insurance is not just a legal requirement but a smart investment for a car owner. Before driving a vehicle on the Philippines roads, a car owner must have car insurance in place. No questions asked.
Why do we say so? Well, beyond legal compliance, car insurance provides critical financial protection to a vehicle and its owner, covering damages to the vehicle and liabilities arising from an accident involving others. In legal language, a car insurance policy is a financial agreement between you and your insurance provider. This agreement shields you from significant financial losses, ensuring peace of mind on the road.
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Got Questions?
What is car insurance?
Car insurance is a type of insurance that provides financial protection against damage or loss to your vehicle, as well as third-party liabilities resulting from accidents or other events.
Is car insurance mandatory in the Philippines?
Yes, car insurance is mandatory in the Philippines. The law requires all registered vehicles to have at least a Compulsory Third-Party Liability (CTPL) insurance policy.
What is Compulsory Third-Party Liability (CTPL) insurance?
CTPL insurance is the basic coverage required by law in the Philippines. It provides protection against third-party bodily injury, death, or property damage caused by the insured vehicle. It does not cover damage to your own vehicle.
What are the other types of car insurance coverage available?
In addition to CTPL insurance, you can choose to purchase additional coverage such as comprehensive insurance, which provides protection for your own vehicle against damage or loss due to accidents, theft, fire, natural disasters, and other perils. There are also specialized policies available, such as Acts of Nature coverage or specific policies for commercial vehicles.
How is car insurance premium calculated?
Car insurance premiums are determined based on several factors, including the make and model of your vehicle, its age, your driving history, your location, and the coverage options you choose. Insurance companies may also consider factors like your age, gender, and usage patterns.
Can I choose my car insurance provider?
Yes, you can choose the insurance provider for your car insurance policy. It's a good idea to compare quotes from different insurers to find the best coverage and rates that suit your needs.
What should I do if I have an accident or need to make a claim?
In the event of an accident, it is important to first ensure the safety of everyone involved. Then, you should promptly inform your insurance provider and provide them with the necessary details and documentation. Follow the instructions given by your insurer and submit the required documents to initiate the claims process.
What documents are required to purchase car insurance?
To purchase car insurance, you typically need to provide documents such as vehicle registration papers, driver's license, proof of identification, and proof of address. The exact requirements may vary depending on the insurance company.
Can I transfer my car insurance to another vehicle?
Yes, car insurance policies can be transferred to another vehicle. However, you would need to inform your insurance provider about the change in the insured vehicle and provide the necessary details for the new vehicle.
Can I cancel my car insurance policy?
Yes, you can cancel your car insurance policy. However, it is advisable to check the terms and conditions of your policy regarding cancellation fees and any potential refunds. Notify your insurance provider about the cancellation request and follow their instructions to complete the process.
Affordable & Reliable Car Insurance Philippines - Get Quotes Online
Looking for car insurance in the Philippines? You’ve come to the right place. On Carmudi, we make finding, comparing, and buying car insurance simple, fast, and reliable. Whether you’re searching for comprehensive car insurance Philippines, online car insurance quotes, or just want the top rated car insurance provider - we’re here to help.
Driving without insurance in the Philippines is legally risky - that’s why so many vehicle owners look for the best car insurance Philippines plans. But how do you choose? Below is your ultimate guide to understanding, comparing, and purchasing the right car insurance.
Why Car Insurance Matters in the Philippines
- Legal requirement: The law mandates at least Compulsory Third Party Liability (CTPL) coverage - covering injury or damage to a third party if an accident is your fault.
- Financial protection: Accidents, theft, fire, natural disasters - these risks can cost hundreds of thousands of pesos. With comprehensive insurance, you safeguard yourself from those shocks.
- Peace of mind: You can drive with confidence, knowing that repair costs, liability, and legal expenses are covered.
On Carmudi, our car insurance offerings include CTPL and comprehensive car insurance, and you can get car insurance online with zero hassle.
Types of Car Insurance Coverage
1. CTPL (Compulsory Third Party Liability)- This is the minimum required by law.
- It covers injuries or death to third parties and property damage in accidents caused by your vehicle.
- It does not cover damage to your own vehicle.
- Typical rates: roughly PHP 300 to PHP 1,500 annually depending on vehicle class.
- Also called “full coverage,” this includes third-party liability plus:
- Damage to your own vehicle (collision, accidents)
- Theft, fire, natural disasters (“Acts of God”)
- Vandalism, riots, etc.
- Optional add-ons (roadside assistance, personal effects, loss-of-use).
- Cost can range from less than PHP 8,000 for small cars to PHP 100,000+ for luxury vehicles.
- More coverage = higher premium, but also more protection.
How Premiums Are Calculated (How Much Does Car Insurance Cost?)
Several factors influence the premium you pay:- Vehicle make, model, and age (repair cost, parts availability)
- Usage / location (urban vs rural, accident & theft rates)
- Driver profile (age, driving record)
- Coverage level & choice of add-ons (Acts of God, roadside assistance, etc.)
- Insurer’s rules & underwriting policies
For example, a compact car may cost under PHP 8,000 annually, whereas a luxury model could exceed PHP 100,000.
Be cautious: some add-ons may seem small, but they build up. Always check what you’re getting.
How to Compare & Get Car Insurance Quotes Online
- Enter vehicle details: brand, model, year, variant.
- Provide contact and location: city, address.
- Select coverage options: CTPL, comprehensive, add-ons.
- Get online quotes: compare multiple insurers.
- Choose & purchase: submit required documents, pay online, receive policy.
Carmudi’s process is digital-first, with zero paperwork, fast policy issuance, and quick claim settlement.
What to Look for in a Top Car Insurance Provider
- Reputation & ratings
- Claim settlement speed
- Network of repair shops
- Clear policy wording
- Flexible payment terms
- Add-on availability
- Affiliation with digital platforms (makes life simpler)
You can compare top 10 car insurance Philippines providers through aggregation tools (like Carmudi) to find the one that fits your needs and budget.
Common Questions About Car Insurance
Tips to Lower Premiums
- Opt for higher deductibles (you pay more in case of minor damage).
- Choose less risky coverage zones (avoid high-crime areas).
- Keep a clean driving record.
- Bundle with other policies if insurer allows.
- Omit unnecessary add-ons.
Final Words: Secure Your Drive Safely
Choosing the best car insurance Philippines plan doesn’t have to be confusing. Use online tools, compare car insurance quotes, weigh comprehensive vs CTPL, and aim for a provider offering fast, fair claims and transparent coverage.
On Carmudi, you can get an online car insurance policy in minutes. Let us help you find the right protection so you can drive worry-free.
