Car Insurance Premium Estimator Pakistan
Compare estimated premiums from Jubilee Insurance, EFU General, and Adamjee Insurance side by side. Select comprehensive or third-party coverage and see what's included.
Quick Answer
Jubilee Insurance
2.8% base rate
EFU General
2.7% base rate
Adamjee Insurance
3% base rate
What's Covered: Comprehensive
- ✓Own damage from accident
- ✓Theft & hijacking
- ✓Fire & explosion
- ✓Natural disasters (flood, earthquake)
- ✓Third-party liability
- ✓Windscreen damage
- ✓Personal accident cover (driver)
Frequently Asked Questions
How much does car insurance cost in Pakistan?
Comprehensive car insurance in Pakistan typically costs 2.5% to 4% of the vehicle's value per year. For a Rs. 3,000,000 car, annual insurance ranges from Rs. 75,000 to Rs. 120,000 depending on driver age, city, and claim history. Third-party liability insurance is much cheaper, typically a flat Rs. 7,500–8,500 per year.
Is car insurance mandatory in Pakistan?
Third-party liability insurance is legally required for all vehicles on Pakistani roads under the Motor Vehicles Act. However, comprehensive insurance (which covers your own vehicle) is optional but strongly recommended for newer or more valuable vehicles. Banks financing car purchases require comprehensive cover for the entire loan tenure.
Which is the best car insurance company in Pakistan?
Jubilee Insurance, EFU General, and Adamjee Insurance are the three largest motor insurers in Pakistan. EFU General is known for fast claim settlement. Jubilee Insurance has a wide branch network. Adamjee is popular for comprehensive packages. Always compare actual quotes before purchasing.
Data Sources: Jubilee Insurance Company of Pakistan · EFU General Insurance · Adamjee Insurance Company · Securities and Exchange Commission of Pakistan (SECP) insurance tariff guidelines. Updated April 2026.