Legally Covered Doesn't Have to Mean Overpaying
Car insurance is required by law in Spain — but that doesn't mean you should accept the first quote you find. Ask us for real offers and drive covered, for less.
No hard sell, no named insurer favored — just real quotes explained plainly.
Why Choose Confialy for Your Car Insurance
Third-party (terceros) is the legal minimum and fits an older, lower-value car you could afford to replace yourself. Comprehensive (todo riesgo) fits a newer or financed car, or a driver who wants their own vehicle's damage covered too, not just the other party's. The right tier depends on your car's value and how much risk you're comfortable carrying yourself.
Compare third-party, third-party-plus, and fully comprehensive plans side by side.
One form instead of calling multiple insurers yourself.
We check whether your driving history from abroad can lower your quote.
Who Is Car Insurance For?
You just bought your first car in Spain and need cover before you can legally drive it.
Your renewal notice arrived and the price went up again — you want to know if that's normal.
You're not sure if third-party is enough, or if comprehensive is worth the extra cost for your car.
What Does Car Insurance Cover in Spain?
- Third-party liability (legal minimum). Covers injury or damage you cause to others — required by law to drive in Spain.
- Own-vehicle damage (comprehensive). Repairs to your own car after an accident, regardless of fault, on todo riesgo plans.
- Theft & fire. Your vehicle against theft or fire damage, usually from third-party-plus upward.
- Glass breakage. Windscreen and window repair or replacement, often with no or low excess.
- Driver injury cover (seguro del conductor). Injury to you specifically — third-party liability alone doesn't pay out if you're the one hurt.
- Legal defense for traffic incidents. Legal representation after an accident or a fine dispute, standard on even basic third-party policies.
- Roadside assistance. Towing and breakdown support, often included even on basic plans in Spain.
- Courtesy car. A replacement vehicle while yours is in the shop, typically only on todo riesgo tiers.
- Weather & natural events. Hail, flooding and storm damage — a separate line from collision cover, worth checking if it's included.
Worth checking before you buy
Whether your no-claims history from another country is recognized — it can meaningfully lower your price if it is, but not every insurer accepts foreign records the same way.
Exact coverage, limits and exclusions depend on the insurer and plan you select — full policy conditions are shown before you buy.
How to Get Your Car Insurance Quote in 4 Steps
Send us your details
A short message through our contact form — no obligation to buy.
We compare real quotes
We check offers from multiple insurers on your behalf.
You choose the plan
We explain the options in plain language. No push toward any one insurer.
We help you get covered
We stay in touch until your policy is active.
Frequently Asked Questions About Car Insurance in Spain
Is car insurance mandatory in Spain?
Yes — at minimum, third-party liability insurance is legally required to drive, and driving without it can mean fines and your car being impounded.
How much does car insurance cost in Spain?
It varies a lot by driver age, car type, and location — your comparison shows real prices for your exact situation, not a national average that doesn't apply to you.
Will my no-claims history from another country count here?
Some insurers consider it, others don't — we show you which plans do, since it can be one of the biggest factors in your price.
Is it worth switching before my current policy renews?
Often yes — many insurers price new customers more competitively than renewals. It costs nothing to check before your renewal date locks you in.