Date posted: 03, Jul 2025
Car insurance offers financial protection in the event of unfortunate events. But the question remains: How do you decide which one is best for you? This guide lists the top 15 car insurance companies in Pakistan, so you know exactly what you are expecting beforehand.
We’ll look at the types of coverage available, the level of customer service they offer, the speed with which they process claims, and how their pricing works. When you’re done, you’ll know which insurer is the best fit for your specific needs.
We evaluated the types of protection each company offers, from simple third-party coverage to more comprehensive options, and based on that, we’ve ranked the best car insurance company in Pakistan
We also considered how well each company treats its customers, such as how long it takes to respond and the overall quality of support.
Claim processing speed is the key parameter for defining the best insurance company for car. We looked at how fast and smooth the processing was for each company when it’s that time you actually need them.
We looked at premiums and what you’re getting for the price at various coverage levels.
The table below lists the 15 top insurance companies in Pakistan, highlighting their strengths and improvement areas to help you choose the best insurance company for car.
| Company Name | Strengths | Areas for Improvement | Best For |
| Adamjee Insurance Co. Ltd. (AICL) |
|
|
Stability-focused car owners |
| EFU General Insurance Ltd. |
|
|
Balanced choice between cost and reputation |
| Jubilee General Insurance Ltd. | – Extensive network – Strong finances – Broad coverage – Established customer base | – Not the cheapest – Inconsistent service by location | Those preferring in-person service |
| TPL Insurance Ltd. | – Innovative (telematics) – Digital-first approach – Competitive pricing – Good support | – Smaller network – Not ideal for non-tech users | Tech-savvy, modern solution seekers |
| United Insurance Co. (UIC) | – Long-standing company – Affordable plans – Financially stable – Experienced claims team | – Needs digital upgrades – Inconsistent customer service | Tradition-oriented customers |
| IGI General Insurance Ltd. | Strong market presence – Broad insurance range – Affordable premiums – Efficient claims | Unresponsive customer service – Lags in digital innovation | Trusting established, reliable brands |
| Pak Qatar General Takaful Ltd. | Shariah-compliant – Qatari support – Growing presence – Competitive Takaful pricing | – Smaller network – Only suits Islamic insurance users | Customers needing Islamic compliance |
| Alfalah Insurance Co. Ltd. | Strong financial backing – Competitive rates – Expanding reach – Good service | Limited experience – Smaller presence | Budget-conscious with stability concerns |
| Askari General Insurance Ltd. | Backed by Askari Bank – Good reputation – Fair pricing – Reliable service | Less focused on car insurance – Smaller network | Askari Bank clients, bank-insurance trust |
| UBL Insurers Ltd. | UBL group backing – Financially stable – Affordable plans – Banking integration | Lacks innovation – Service varies by branch | UBL customers, bank-integrated solutions |
| Atlas Insurance Ltd. | – Well-established – Good coverage variety – Competitive rates – Reliable claims | Limited digital interface – Uneven customer experience | Reliable, traditional insurance seekers |
| Shaheen Insurance Co. Ltd. | – Strong market reputation – Affordable pricing – Decent service – Fair claim settlement | Smaller network – Needs digital progress | Reliable, no-frills coverage seekers |
| Security General Insurance Ltd. | Decent market standing – Affordable motor rates – Reliable performance – Good claims | Less car insurance focus – Could improve service | Basic, dependable insurance buyers |
| Salaam Takaful Ltd. | – Islamic insurance – Growing provider – Affordable Takaful – Friendly service | Limited market scope – Small operational network | Shariah-compliant policy buyers |
| East West Insurance Co. Ltd. | Wide product range – Competitive pricing – Reliable operations – Adequate support | Small market share – Weak digital systems | Budget-friendly, basic coverage seekers |
Start by determining what type of coverage you need:
Don’t settle for the first quote you receive. Contact at least three different companies from the list of best vehicle insurance companies in Pakistan to compare:
Choose a company with strong financial backing. This ensures they can pay claims when needed. Look for:
Good customer service becomes crucial when you need to file a claim. Consider:
Vehicle insurance companies in Pakistan reward safe drivers with lower premiums. Avoid traffic violations and accidents to keep your rates down.
Opting for higher deductibles can significantly reduce your premium. Just make sure you can afford the deductible amount if you need to make a claim.
Many top insurance companies in Pakistan offer discounts when you buy multiple types of insurance from them. Consider bundling your car insurance with home or health insurance.
Ask about available discounts such as:
Your insurance needs may change over time. Review your policy annually to ensure you’re not paying for unnecessary coverage.
Adding security features like alarms, immobilisers, or tracking devices can lower your premiums.
If you are looking for the best car insurance company in Pakistan to approach, take note of these points when analysing the options.
And, never forget, the cheapest isn’t always the best insurance company for car! Along with the premium amount, you should also check the reputation of the company, claim settlement history, and customer service pattern.
Which is the best car insurance company for you? That’s a no-brainer. It all depends on your individual needs, budget, and preferences
insurekar2023@gmail.com
Muhammad Muddasir is a skilled writer with six years of experience in insurance and finance content writing. He specializes in creating clear, engaging, and informative content that helps readers understand complex financial topics with ease.
Owning a bike is one of the most reliable and efficient ways to get around in Pakistan. From hassle-...
Giving your employees a reliable medical health insurance plan is not only a benefit, it is also a s...
Ever wonder why car insurance rates feel like a guessing game? You plug in your details, and suddenl...
