Finding affordable car insurance in Ireland can be challenging, but it’s essential for ensuring you’re protected without breaking the bank. This guide highlights the top 10 cheap car insurance providers in Ireland, detailing their coverage options, benefits, customer reviews, and what makes them a great choice for budget-conscious drivers. Discover the best 10 Cheap Car Insurance Providers in Ireland:
Table of Contents
10 Cheap Car Insurance Providers in Ireland: A Comprehensive Guide
Understanding Car Insurance in Ireland
Before diving into the list, it’s crucial to understand the basic types of car insurance available in Ireland:
- Third-Party Only (TPO): The minimum legal requirement, covering damage to other people’s property and injuries to others in an accident you cause, but not your own vehicle.
- Third-Party, Fire and Theft (TPFT): Includes third-party coverage plus protection against fire and theft of your vehicle.
- Comprehensive: The most extensive coverage, including third-party, fire, and theft, as well as damage to your own vehicle.
Top 10 Cheap Car Insurance Providers in Ireland
1. Liberty Insurance (Redclick)
Overview:
Liberty Insurance offers competitive rates and a range of policy options to suit different needs, making it a popular choice for those seeking affordability.
Coverage Options:
- Third-Party Only
- Third-Party, Fire and Theft
- Comprehensive
Key Features:
- Multi-car discount
- 24-hour roadside assistance
- No-claims bonus protection
Customer Reviews:
Liberty Insurance is praised for its affordable premiums and comprehensive coverage options. Customers appreciate the multi-car discounts and responsive customer service, though some have reported inconsistent experiences with claims processing.
Pros:
- Competitive premiums
- Good range of discounts
- Comprehensive coverage options
Cons:
- Customer service can be inconsistent
How to get a Quote?
Visit libertyinsurance.ie or the link https://www.libertyinsurance.ie/car-insurance OR https://www.redclick.ie
2. Allianz Ireland
Overview:
Allianz is well-known for its robust policies and competitive pricing, especially appealing to drivers looking for affordable yet comprehensive coverage.
Coverage Options:
- Third-Party Only
- Third-Party, Fire and Theft
- Comprehensive
Key Features:
- Breakdown assistance
- Windscreen cover
- Personal accident cover
Customer Reviews:
Allianz customers highlight the company’s efficient claims process and customizable policies. Many appreciate the competitive pricing, although some feel the add-on options are limited compared to other providers.
Pros:
- Competitive pricing
- Customizable policies
- Efficient claims process
Cons:
- Limited add-on options compared to some competitors
How to get a Quote?
Visit allianz.ie or the link https://www.allianz.ie/products/car/car-insurance.html
3. Aviva Insurance
Overview:
Aviva provides a range of affordable car insurance policies with various add-ons, making it a flexible choice for drivers on a budget.
Coverage Options:
- Third-Party Only
- Third-Party, Fire and Theft
- Comprehensive
Key Features:
- Breakdown rescue
- No-claims discount
- Personal belongings cover
Customer Reviews:
Aviva is well-regarded for its user-friendly online platform and the wide range of additional cover options. Customers often mention the company’s good customer service, although some find certain coverage options to be on the expensive side.
Pros:
- Wide range of additional cover options
- User-friendly online platform
- Good customer service
Cons:
- Some coverage options can be expensive
How to get a Quote?
Visit aviva.ie or the link https://www.aviva.ie/insurance/car-insurance/
4. AXA Insurance
Overview:
AXA is a major player in the Irish insurance market, offering a variety of affordable policies that do not compromise on coverage quality.
Coverage Options:
- Third-Party Only
- Third-Party, Fire and Theft
- Comprehensive
Key Features:
- 24-hour roadside assistance
- No-claims discount protection
- Courtesy car in case of repairs
Customer Reviews:
AXA is praised for its strong customer service and extensive network of repair centers. Customers appreciate the flexible payment options and comprehensive coverage, although premiums can be higher for younger drivers.
Pros:
- Strong customer service reputation
- Extensive network of repair centers
- Flexible payment options
Cons:
- Premiums can be higher for younger drivers
How to get a Quote?
Visit axa.ie or click the link https://www.axa.ie/
5. FBD Insurance
Overview:
FBD Insurance is an Irish company known for its competitive pricing and tailored solutions for the local market.
Coverage Options:
- Third-Party Only
- Third-Party, Fire and Theft
- Comprehensive
Key Features:
- Breakdown assistance
- Windscreen cover
- Personal accident cover
Customer Reviews:
Customers value FBD Insurance for its affordable premiums and strong local presence. The range of coverage options is appreciated, though some users have mentioned that online services are somewhat limited.
Pros:
- Affordable premiums
- Good range of coverage options
- Strong local presence
Cons:
- Limited online services
Visit fbd.ie or click the link https://www.fbd.ie/car-insurance/
6. Chill Insurance
Overview:
Chill Insurance is a broker that compares various providers to find the best deals, often resulting in cheaper premiums for customers.
Coverage Options:
- Third-Party Only
- Third-Party, Fire and Theft
- Comprehensive
Key Features:
- Multi-policy discount
- No-claims bonus protection
- Flexible payment options
Customer Reviews:
Chill Insurance is favored for its competitive rates and user-friendly comparison tools. Customers appreciate the access to multiple providers and the potential for significant savings, though broker fees may apply.
Pros:
- Access to multiple providers
- Competitive rates
- User-friendly comparison tools
Cons:
- Broker fees may apply
How to get a Quote?
Visit chill.ie or click the link https://www.chill.ie/car-insurance/
7. AA Ireland
Overview:
AA Ireland offers competitive car insurance rates, especially for members, with a strong focus on customer service and additional benefits.
Coverage Options:
- Third-Party Only
- Third-Party, Fire and Theft
- Comprehensive
Key Features:
- Breakdown cover
- No-claims discount
- Personal accident cover
Customer Reviews:
AA Ireland receives positive feedback for its competitive premiums and excellent customer service. Members particularly value the additional benefits, although membership fees apply.
Pros:
- Competitive premiums
- Additional benefits for members
- Strong customer service
Cons:
- Membership fees apply for additional benefits
How to get a Quote?
Visit theaa.ie or click the link https://www.theaa.ie/car-insurance/
8. Quote Devil
Overview:
Quote Devil is an insurance broker known for finding some of the lowest car insurance rates in Ireland by comparing multiple providers.
Coverage Options:
- Third-Party Only
- Third-Party, Fire and Theft
- Comprehensive
Key Features:
- Multi-policy discount
- No-claims bonus protection
- Flexible payment options
Customer Reviews:
Quote Devil is commended for its competitive rates and specialized focus on affordable options. Customers appreciate the access to multiple providers, though broker fees may apply.
Pros:
- Access to multiple providers
- Competitive rates
- Specialized in finding affordable options
Cons:
- Broker fees may apply
How to get a Quote?
Visit quotedevil.ie or click the link https://www.quotedevil.ie/car-insurance
9. Blue Insurance
Overview:
Blue Insurance offers competitive car insurance rates with a variety of coverage options and add-ons to customize your policy.
Coverage Options:
- Third-Party Only
- Third-Party, Fire and Theft
- Comprehensive
Key Features:
- Breakdown assistance
- Windscreen cover
- Personal accident cover
Customer Reviews:
Customers praise Blue Insurance for its competitive pricing and customizable policies. The good range of add-ons is appreciated, though some find certain add-ons to be expensive.
Pros:
- Competitive pricing
- Customizable policies
- Good range of add-ons
Cons:
- Some add-ons can be expensive
How to get a Quote?
Visit blueinsurance.ie or click the link https://www.blueinsurance.ie/car-insurance-holding.asp
10. RSA Insurance / 123.ie
Overview:
RSA Insurance provides affordable car insurance policies with a strong focus on comprehensive coverage and excellent customer service.
Coverage Options:
- Third-Party Only
- Third-Party, Fire and Theft
- Comprehensive
Key Features:
- Breakdown assistance
- Windscreen cover
- Courtesy car
Customer Reviews:
RSA Insurance is known for its competitive premiums and comprehensive coverage options. Customers appreciate the strong customer service, although some coverage options can be limited.
Pros:
- Competitive premiums
- Comprehensive coverage options
- Strong customer service
Cons:
- Some coverage options can be limited
How to get a Quote?
Visit www.123.ie or click the link https://www.123.ie/car-insurance
11. Outsurance
Outsurance Insurance provides affordable car insurance policies with a strong focus on comprehensive coverage and excellent customer service. OUTsurance offers car insurance that gives you great savings, a host of exclusive benefits and awesome service.
Coverage Options:
- Third-Party Only
- Third-Party, Fire and Theft
- Comprehensive
- Accidental damage
- International driving
Key Features:
- Breakdown assistance
- Windscreen cover for free
- Courtesy car at cheap rate
- Drive other cars
Customer Reviews:
Outsurance Insurance is known for its competitive premiums and comprehensive and 3rd party coverage options. Customers appreciate the strong customer service, although some coverage options can be limited.
Pros:
- Competitive premiums
- Comprehensive and 3rd party coverage options
- Strong customer service
- Ability to tailor the insurance according to your needs and still maintain a low premium
Cons:
- Some coverage options can be limited
How to get a Quote?
Visit www.outsurance.ie or click the link http://outsurance.ie/car-insurance/
Tips for Saving Money on Car Insurance
Finding cheap car insurance involves more than just choosing the right provider. Here are some tips to help you save money:
- Compare Quotes: Always compare quotes from multiple providers to ensure you’re getting the best deal.
- Increase Your Excess: Opting for a higher excess can reduce your premium, but make sure you can afford to pay it if needed.
- Bundle Policies: If you have other types of insurance (e.g., home or health), bundling them with the same provider can often lead to discounts.
- Improve Security: Installing approved security devices in your vehicle can lower your insurance costs.
- Limit Your Mileage: Some providers offer discounts if you drive fewer miles annually.
- Consider Telematics: A telematics or “black box” policy can reduce premiums by monitoring and rewarding safe driving.
- Maintain a Clean Driving Record: A history of safe driving without claims can help you secure lower premiums.
- Pay Annually: Paying your premium in one lump sum rather than monthly installments can save you money.
Most Commonly used Car Insurance Providers in Ireland
| Insurance Provider | Pros | Cons |
|---|---|---|
| FBD Insurance | 1. Strong customer service reputation | 1. May have higher premiums for younger drivers |
| 2. Discounts for low mileage and safe driving | 2. Limited options for add-ons compared to some competitors | |
| AXA Insurance | 1. Comprehensive coverage options | 1. Can be more expensive than other providers for certain profiles |
| 2. Good discounts for multi-car policies and no claims bonus | 2. Customer service can be hit or miss | |
| Liberty Insurance | 1. Competitive pricing on basic coverage | 1. Claims process may be slower compared to others |
| 2. Flexible policies with various add-ons available | 2. Limited options for comprehensive coverage | |
| Allianz Ireland | 1. Extensive coverage options | 1. Higher premiums for high-risk drivers |
| 2. Good reputation for customer support and claims handling | 2. Discounts might not be as substantial as other providers | |
| Aviva Insurance | 1. Strong online tools for managing policies | 1. Prices may be higher for some driver profiles |
| 2. Discounts for safe drivers and low mileage | 2. Limited in certain rural areas | |
| RSA Insurance/123.ie | 1. Good discounts for safe driving and multi-car policies | 1. Premiums may be higher for younger drivers |
| 2. Good customer service reputation | 2. Limited add-on options | |
| Chubb Insurance | 1. High-quality coverage and service | 1. Premiums may be on the higher side |
| 2. Good options for luxury and high-value cars | 2. Limited discounts compared to some other providers | |
| Coachman Insurance | 1. Specializes in motor insurance with good customizability | 1. May have higher premiums for younger drivers |
| 2. Personalized service and tailored policies | 2. Limited online services compared to larger providers | |
| AIG Insurance | 1. Competitive rates and good coverage options | 1. Customer service can be inconsistent |
| 2. Discounts for bundling home and auto insurance | 2. Claims process may be less streamlined | |
| Zurich Insurance | 1. Comprehensive coverage with various options | 1. Premiums may be higher for some drivers |
| 2. Good customer service and claims handling | 2. Fewer discounts for low-mileage drivers |
Conclusion
Finding cheap car insurance in Ireland doesn’t mean you have to sacrifice coverage or service quality. By considering the top 10 providers listed above and evaluating your specific needs, you can find an affordable policy that offers the protection and peace of mind you require. Always compare quotes, read the fine print, and choose a provider that balances cost with comprehensive coverage and reliable customer service.
