The Best Car Insurance in Spain in 2025: Ranked by Case

July 20, 2025

Choosing the best car insurance isn't just a matter of price. It depends on your driving profile, the type of car you have, how many miles you drive per year, and whether you prefer immediate assistance or a lower premium. In this guide, we analyze the best car insurance policies in Spain for 2025, ranked based on real-life situations and customer experiences.

What to consider when choosing insurance?

Before we get into the top performers by category, here are the most important factors:

Type of coverage: third party, extended third party or comprehensive (with or without deductible).
Customer Service and ease of reporting claims.
Response time in cranes and repairs.
Coverages extra: replacement car, windows, theft, fire, weather damage.
Online management and mobile app.
Budget.

Our Recommendation for the Best Car Insurance According to the Situation

Not all drivers are the same, nor do all insurance policies cover the same things. Choosing the right one depends on your age, type of car, how you use it, and the level of coverage you need.

Best overall car insurance: Verti

Summary: Verti is one of the most balanced insurance plans on the market: good prices, reasonable coverage, and completely online management. It's an ideal option for those who don't want to complicate matters or pay extra.

Advantages:

Completely digital contracting and management.
Good price for urban vehicles or moderate use.
Agile app for reporting claims or managing coverage.

Disadvantages:

Does not include a replacement car by default.
Limited telephone support.

Ideal for: Drivers with some experience who prefer to self-drive and are looking for solid coverage at a good price.

Price range: From €270 to €600/year for extended third-party or comprehensive insurance with deductible.

Best insurance for young drivers (under 25): Direct Line

SummaryLínea Directa stands out for offering competitive policies for those under 25, without the extreme penalties of other traditional insurers.

Advantages:

Accepts new profiles with reasonable bonuses.
Flexible and customizable coverage.
Clear and functional app.

Disadvantages:

It does not always include assistance from km 0.
Penalties if there are accidents in the first year.

Ideal forYoung drivers looking for their first insurance policy without paying exorbitant amounts and with easy mobile management.

Price range: Between €550 and €1,200/year, depending on profile and vehicle.

Best comprehensive insurance without deductible: Mapfre

SummaryMapfre is the most solid option for comprehensive insurance with no excess. Although the price is higher, the coverage, repair network, and service justify the investment.

Advantages:

Guaranteed repairs in our own workshops.
Replacement car included.
Personalized and in-person attention.

Disadvantages:

Price above average.
Improvable digital management.

Ideal forOwners of new, mid-range, or high-end cars looking for comprehensive coverage without complications or surprises.

Price range: Between €800 and €1,800/year, depending on the car and profile.

Best insurance for electric and hybrid cars: Allianz

SummaryAllianz has adapted its product to the electric vehicle market, with coverage designed for the new risks associated with this type of vehicle.

Advantages:

Coverage of charging cables and wallbox.
Battery failure assistance.
Efficient digital management.

Disadvantages:

Customer service is somewhat impersonal.
High price for premium models without bonus.

Ideal forDrivers of electric or hybrid vehicles who want specialized, modern protection, with coverage tailored to their needs.

Price range: Between €400 and €1,000/year, depending on the model.

Best insurance for classic or antique cars: Helvetia

SummaryHelvetia offers specific policies for cars over 20 years old, with conditions designed for historic and collector vehicles.

Advantages:

Specialized valuation of classic cars.
Coverage for events, gatherings and occasional use.
Vehicles without an MOT are allowed if they are not circulating.

Disadvantages:

Somewhat slow hiring (requires specific documentation).
Limited coverage for daily use.

Ideal for: Classic car owners oldtimers who are looking for a tailored, affordable policy with coverage that matches the historical value of their car.

Price range: Between €120 and €300/year, depending on the vehicle valuation.

Better assistance and claims resolution: Mutua Madrileña and Mapfre (draw)

Mutua Madrileña

Summary: Highly rated for its speedy roadside assistance and post-accident care. It has its own network of tow trucks and workshops.

Advantages:

Fast assistance (less than 30 min in cities).
Extensive network of authorized workshops.
Bonuses for seniority or low accident rate.

Disadvantages:

Unintuitive website.
Some procedures are slow if you are not a mutual member.

Ideal for: Drivers who prioritize speedy assistance in the event of a breakdown and want a reliable and recognized insurance company.

Price range: Between €350 and €750/year, depending on coverage.

Mapfre

SummaryIn addition to its comprehensive coverage, Mapfre excels at resolving claims quickly, clearly, and without friction.

Advantages:

Smooth processing of serious accidents.
Fast, guaranteed repairs.
Extensive network of offices for in-person service.

Disadvantages:

Higher than average premiums.

Ideal for: Drivers who value the support of a solid insurance company, with an effective response to any type of incident.

Conclusion: What is the best car insurance in Spain?

There is no universally perfect insurance, but there is one ideal for every type of driverIf you're young and looking for something affordable, Línea Directa may be your best option. For those who value complete peace of mind, Mapfre remains the leader in comprehensive insurance. And if you don't drive much or are comfortable online, Verti is one of the most practical and affordable options.

Choose based on your situation, not just price. Consider how many miles you drive, where you park, what type of car you have, and how much you value customer service and assistance.

Frequently Asked Questions (FAQ)

What type of insurance do I need if my car is more than 10 years old?

If your car is more than 10 years old and doesn't have a high market value, the best option is usually comprehensive third-party insurance. This type of policy covers the basics (third-party damage, theft, windshield, fire) without the high price of comprehensive insurance.

When is comprehensive insurance appropriate?

It's especially helpful if your car is new, pre-owned, or high-end, or if you financed it and haven't paid it off yet. It's also ideal if you park in dangerous places or drive a lot, as it protects you against damage.

Can I change insurance before the end of the year?

Yes. You can cancel your policy by giving at least 30 days' notice before the automatic renewal. If you sell your car or change ownership, you can cancel it at any time.

What happens if I have an accident and I disagree with the appraisal?

You have the right to request an independent appraiser. For most policies, you can also submit your own appraisal and, if there's no agreement, pursue arbitration or legal action.