Compare car insurance in Pakistan from top insurers
Compare car insurance rates from Jubilee, Adamjee, EFU, TPL & IGI in seconds. Get help with individual cars, business fleets, and insurance cases where tracker support may also be required.
Compare car insurance quotes in Pakistan
Select your vehicle to compare rates, coverage direction, and next-step quote support.
How Motor Insurance Comparison Works
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Select your car brand, model, year, and enter the current market value.
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We calculate estimated premiums from multiple insurance companies instantly.
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Why Compare Motor Insurance in Pakistan?
Save Up to 30%
Rates vary significantly between insurers. Comparing quotes ensures you never overpay for the same coverage.
Instant Results
Get estimated premiums from 5 top Pakistani companies in under 60 seconds — all on one screen.
Trusted Insurers Only
We only compare SECP-licensed insurers: Jubilee, Adamjee, EFU, TPL & IGI — Pakistan's most reputable names.
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Our comparison service is 100% free. No registration required. No obligations. Compare and decide at your own pace.
Frequently Asked Questions — Motor Insurance Pakistan
How do I compare car insurance quotes in Pakistan?
Select your vehicle make, model, year and enter the current market value in the tool above. It instantly calculates and compares estimated premiums from Jubilee, Adamjee, EFU, TPL, and IGI — all side by side. No phone calls or agents required.
What is the cheapest car insurance in Pakistan?
Third-party car insurance is the most affordable option, typically starting from 0.5% of vehicle value. Comprehensive coverage ranges from 2.5% to 4% depending on the insurer and vehicle age. Use our free comparison tool above to find your lowest rate instantly.
Which is the best car insurance company in Pakistan?
Pakistan's top-rated car insurance companies include Jubilee General Insurance, Adamjee Insurance, EFU General Insurance, TPL Insurance, and IGI General Insurance. The best choice depends on your vehicle type, budget, coverage needs, and whether a tracker is required for your vehicle. Compare all five instantly on this page.
Do I need a tracker for car insurance in Pakistan?
Some insurers may require a tracker for higher-value vehicles, corporate fleets, or specific risk profiles. TPS can help you compare insurance options and arrange GPS tracker support when a tracker-linked policy is needed.
What is the difference between comprehensive and third-party car insurance?
Comprehensive insurance covers damage to your own vehicle (accident, theft, fire, flood) plus third-party liability. Third-party insurance only covers damage you cause to other people's vehicles or property. Comprehensive coverage is recommended for newer or financed vehicles.
How much does car insurance cost in Pakistan in 2026?
Comprehensive car insurance in Pakistan typically costs 2.5% to 4% of the vehicle's market value per year. For example, on a PKR 30 lakh car, expect an annual premium of PKR 75,000 to PKR 1,20,000. Use our free calculator above for an instant personalized estimate.
Is car insurance mandatory in Pakistan?
Yes. Under the Motor Vehicles Act, third-party liability insurance is mandatory for all vehicles registered in Pakistan. Comprehensive insurance is optional but strongly recommended to protect your investment against accidents, theft, and natural disasters.
What is Motor Insurance in Pakistan?
Motor insurance is a legal agreement between a vehicle owner and an insurance company that provides financial protection against losses arising from accidents, theft, fire, natural disasters, and third-party liability. In Pakistan, motor insurance is regulated by the Securities and Exchange Commission of Pakistan (SECP) and is mandatory for all registered vehicles under the Motor Vehicles Act.
What Does Motor Insurance Cover?
A comprehensive motor insurance policy in Pakistan covers accidental damage to your vehicle, theft, fire, flood damage, and third-party bodily injury or property damage. Additional riders may include roadside assistance, agency repair, and windscreen cover.
Is Motor Insurance Mandatory in Pakistan?
Yes. Third-party liability motor insurance is legally mandatory for all vehicles registered in Pakistan under the Motor Vehicles Ordinance 1965. Driving without at least third-party coverage exposes the vehicle owner to legal penalties and unlimited financial liability.
Who Regulates Motor Insurance in Pakistan?
Motor insurance in Pakistan is regulated by the Securities and Exchange Commission of Pakistan (SECP). All insurance companies on this platform — Jubilee, Adamjee, EFU, TPL, and IGI — are SECP-licensed and fully authorised to issue motor insurance policies across Pakistan.
Types of Motor Insurance in Pakistan
Choosing the right type of motor insurance depends on your vehicle's age, value, and how it is used. For businesses, the coverage needs are often more complex than individual ownership. Here is a clear overview of the main policy types available in Pakistan.
Comprehensive Motor Insurance
Comprehensive coverage protects your vehicle against all risks: accidental damage, theft, fire, flood, and third-party liability. It is the recommended option for newer vehicles, financed vehicles, and company cars. Premium rates typically range from 2.5% to 4% of the vehicle's market value annually.
Third-Party Motor Insurance
Third-party insurance is the minimum legal requirement in Pakistan. It covers only the damage your vehicle causes to another person's property or causes injury to a third party. It does not cover damage to your own vehicle. It is the most affordable option, starting from approximately 0.5% of vehicle value.
Fleet Insurance for Businesses
Fleet insurance is a single policy that covers multiple company vehicles — delivery vans, company cars, service vehicles, or trucks — under one agreement. It is the most cost-effective motor insurance solution for businesses operating three or more vehicles. Fleet policies typically offer better rates per vehicle and simplified claim management. Pair your fleet insurance with GPS vehicle tracking for complete fleet management. Contact TPS for a dedicated fleet insurance quotation.
Named Driver vs. Any Driver Policies
Corporate motor insurance policies can be structured for named drivers (specific employees assigned to specific vehicles) or any authorised driver (any employee permitted to drive a company vehicle). Any-driver policies are better suited to shared company vehicles and pool fleets. Our insurance advisors can help you select the right structure for your business.
Benefits of Motor Insurance for Businesses
For SMEs and corporates operating in Pakistan, motor insurance is not just a legal requirement — it is a critical risk management tool. Whether you manage a single company car or a full fleet of commercial vehicles, the right motor insurance policy protects your business from unexpected financial losses and operational disruptions.
Protect Your Company Fleet
Company vehicles represent a significant capital investment. Comprehensive motor insurance ensures that accidental damage, theft, or fire does not create an unplanned capital expense that disrupts your operations or cash flow. Fleet coverage can be structured to cover all vehicles under a single, manageable policy.
SECP Regulatory Compliance
Operating uninsured company vehicles in Pakistan is a regulatory and legal liability. Motor insurance ensures compliance with SECP regulations and the Motor Vehicles Ordinance 1965. For businesses in logistics, field services, or distribution, third-party and comprehensive coverage is essential to maintain operational licences.
Reduce Financial Liability
A single third-party accident involving a company vehicle can expose your business to claims far exceeding the cost of an annual insurance premium. Motor insurance transfers this financial risk to the insurer, protecting your business balance sheet and limiting legal exposure.
Streamlined Claims with TPS
TPS acts as your single point of contact for motor insurance procurement, renewals, and claim coordination. Rather than managing insurer relationships independently, your team works with one trusted partner who handles the complexity — so you can focus on running your business. Many of our corporate clients also arrange health insurance for their employees through TPS.
Insuring a fleet of vehicles? Our corporate insurance team can structure a policy tailored to your business requirements.
Request a Fleet Insurance QuoteMotor Insurance in Lahore, Karachi & Islamabad
The Procurement Solutions provides motor insurance comparison and procurement services to businesses across Pakistan's three major commercial centres. Whether your operations are based in Lahore, Karachi, or Islamabad, our team can arrange comprehensive, third-party, or fleet motor insurance from SECP-licensed insurers.
Motor Insurance in Lahore
TPS is headquartered in Lahore and serves businesses across the city from our College Road office. Lahore's dense urban traffic and high vehicle density make comprehensive motor insurance particularly important for company vehicles. We work with all five major insurers to find the best motor insurance rates for Lahore-based businesses.
Motor Insurance in Karachi
Karachi is Pakistan's commercial capital and home to the country's largest concentration of corporate fleets and logistics operations. TPS arranges motor insurance for Karachi-based businesses across sectors including manufacturing, retail, distribution, and professional services. Contact us for fleet insurance quotations for your Karachi operations.
Motor Insurance in Islamabad
Islamabad's growing corporate sector — including government contractors, NGOs, and professional services firms — requires reliable motor insurance for company vehicles and employee transport. TPS serves Islamabad-based organisations with the same level of service, access to five top insurers, and dedicated support as our Lahore clients. Explore our full range of corporate procurement services across Pakistan.
Wherever your business is based in Pakistan, TPS can arrange the right motor insurance policy for you. Our team is available on WhatsApp for fast responses.
Chat with Us on WhatsAppReady to Protect Your Business Vehicles?
Compare motor insurance quotes from Pakistan's top 5 SECP-licensed insurers — free, in 60 seconds. Or speak directly with our corporate insurance team for fleet and customised coverage.