Car insurance comparison in Luxembourg

Compare car insurance with our selection of offers.
Independent 100% analysis.
Top
Saver
Premium
AXA
Active + Mini Casco
AXA
✔️ Civil liability
✔️ Multi-conductor
✔️ Legal protection
✔️ Theft, fire, glass breakage, animal strikes, forces of nature
✔️ Accident assistance
Benefits
✔️ Joker Taxi
✔️ Replacement value (vehicle
✔️ Second hand value (vehicle > 12 months)
✔️ Replacement vehicle
✔️ Personal items (€1000)
Optional
Total loss
Driver protection
Driver safety
Breakdown assistance
Family and travel assistance
Comprehensive Legal Protection Assistance
Request a quote
Bâloise
Mini Casco
Bâloise
✔️ Civil liability
✔️ Defence of appeal
24/7 support
✔️ Flight
✔️ Fire
✔️ Glass breakage
✔️ Forces of nature
Optional
Protected conductor
24/7 breakdown assistance
TAXI
Luggage and goods transported
36 months purchase value & buy-back of a vehicle
Replacement vehicle
Request a quote
LaLux
Comfort
LaLux
✔️ Civil liability
✔️ Legal protection
✔️ Top Assistance
✔️ Replacement vehicle
✔️ Fire, theft, glass breakage
✔️ Collision with stray animal or game
✔️ Forces of nature
Benefits
✔️ Damage to vehicle
✔️ Total loss
✔️ Joker CASCO
Optional
Replacement value for 3 years
Purchase value of used vehicle
Comprehensive Car Legal Protection
Accident coverage (death, disability, medical expenses)
Driver's warranty
Luggage and personal effects
Request a quote
LaLux
Security
LaLux
✔️ Civil liability
✔️ Legal protection
✔️ Top Assistance
✔️ Replacement vehicle
✔️ Fire, theft, glass breakage
✔️ Collision with stray animal or game
✔️ Forces of nature
Optional
Total loss
Replacement value for 3 years
Purchase value of used vehicle
Comprehensive Car Legal Protection
Accident cover (death, disability, medical expenses)
Driver's warranty
Luggage and personal effects
Request a quote
AXA
Active
AXA
✔️ Civil liability
✔️ Multi-conductor
✔️ Legal protection
✔️ Accident assistance
Benefits
✔️ Joker Taxi
✔️ Replacement vehicle
✔️ Assistance abroad
Optional
Driver protection
Driver safety
Breakdown assistance
Family and travel assistance
Comprehensive Legal Protection Assistance
Request a quote
Bâloise
Minimal
Bâloise
✔️ Civil liability
✔️ Defence of appeal
24/7 support
Optional
Protected conductor
24/7 breakdown assistance
TAXI
Request a quote
Foyer
Protection
Foyer
✔️ Civil liability
✔️ Defence and recourse
✔️ Accident assistance
✔️ Forces of nature
✔️ Fire + glass breakage
✔️ Collision with an animal
✔️ Flight
Benefits
✔️ Joker mobility
Property damage (Excess of 500€)
Optional
Purchase value
Legal protection
Personal effects
Protected conductor
Bonus protection
Traffic accident
Breakdown assistance
Request a quote
LaLux
Performance
LaLux
✔️ Civil liability
✔️ Legal protection
✔️ Top Assistance
✔️ Replacement vehicle
✔️ Fire, theft, glass breakage
✔️ Collision with stray animal or game
✔️ Forces of nature
Benefits
✔️ Damage to vehicle
✔️ Total loss
✔️ No malus in CASCO
Optional
Replacement value for 3 years
Purchase value of used vehicle
Comprehensive Car Legal Protection
Accident coverage (death, disability, medical expenses)
Driver's warranty
Luggage and personal effects
Request a quote
Foyer
Zen
Foyer
✔️ Civil liability
✔️ Defence and recourse
✔️ Accident assistance
✔️ Forces of nature
✔️ Fire + glass breakage
✔️ Collision with an animal
Optional
Purchase value
Legal protection
Personal effects
Protected conductor
Bonus protection
Traffic accident
Breakdown assistance
Request a quote
Essential Cover" includes: Theft, Glass Breakage, Fire, Forces of Nature.
The guarantees presented are not exhaustive and may change on the occasion of a personalised quote.

Our advice for choosing your insurance

What is the best car insurance in Luxembourg?

How much does it cost to insure your car in Luxembourg?

For good coverage in Luxembourg, you generally have to pay between €50 and €80 per month, without bonus or penalty. However, the price varies greatly depending on two factors:

  • Your bonus or malus It can in some cases halve the price of the insurance premium! This bonus-malus is determined by the number of accidents you have had in recent years. The more accidents you have had, the more you will pay in monthly premiums.
  • The price of your vehicle The higher it is, the more expensive your insurance will be, as repairs and reimbursements will cost more in the event of an accident.

The best car insurances in Luxembourg usually include good basic cover, such as : 

  • Civil liability
  • Legal protection (defence and appeal)
  • Assistance (allowing breakdown assistance, repatriation and vehicle replacement in case of an accident)
  • Comprehensive coverage against all the risks of everyday life (Fires, forces of nature, broken glass, animal or game strikes)
  • Protection against theft of your vehicle (great for peace of mind!)

A tip for choosing your insurance: start by comparing the cover offered by the different offers on this comparator, then request a few quotes to find the best value for money for your situation and your needs.

Are you importing your vehicle to Luxembourg, or buying a new car? Be aware that you must insure it even before you register it. To make sure you make the best choice, compare the insurance policies in our selection at the top of this page.

Car insurance rates: the cheapest contracts in Luxembourg

It is possible to find car insurance for 30 € to 45 € per month without bonus or malus (which can bring the price down to 15€ or 20€ per month with a good bonus).

However, these insurances offer fairly basic cover. They include civil liability, legal protection, sometimes assistance and some essential cover. But some guarantees may be missing, such as cover against animal strikes, against theft of your car, or assistance in case of breakdown. Property damage in case of an at-fault accident is usually not included either.

You can opt for a minimum insurance if you use your car infrequently and are on a tight budget. Nevertheless, it's a good idea to have a look around, don't expect to be fully covered in the event of a claim. It's a choice you have to make according to your means, the value of your vehicle and the level of peace of mind you want on a daily basis.

If you drive often or if your car is expensive, we recommend that you opt for insurance that offers comprehensive cover (see our 'Top' or 'Premium' selection for a selection of good insurances).

Should I choose comprehensive insurance?

In Luxembourg, "Casco" insurance ("Tous risques" for France or "Omnium" in Belgium) protects against material damage to the vehicle. In addition to all the essential covers, these insurances can include interesting options, such as :

  • Replacement of your vehicle ;
  • Reimbursement of the new or second-hand value of your vehicle, under certain conditions (check the contract carefully before signing it, there may be discounts on the amount reimbursed depending on the age of your car);
  • The reimbursement of personal effects damaged in the accident ;
  • A enhanced legal protection (which accompanies you even in the event of an at-fault accident and which can also cover your family);
  • A driver insuranceThis insurance protects you and reimburses you in the event of disability following an accident.

If you want to drive with peace of mind and be fully covered, we recommend that you take out comprehensive insurance. However, these are the most expensive car insurances on the market: They start at €90 or €100 per month (without bonus or malus). If you have a very good bonus, you could halve the price of this monthly premium.

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Why compare car insurance?

Finding the best car contract for your budget

In Luxembourg, car insurance prices are relatively similar from one insurer to another. On the other hand, for the same amount of money, the guarantees offered may vary. It is therefore important to start by choosing the best coverage for your price range (Top, Eco or Premium).

The day you have a claim, you won't regret having taken the time to compare guarantees! And this applies to you even if you have chosen to take a vehicle leased.

Save money on your insurance policy

Tariff policies may differ from one insurer to another. By comparing their quotes, you can save money. Don't hesitate to ask for several quotes to get an idea of the market and find the best value for money for your car insurance. However, you should remember to terminate your current insurance if you are already under contract.

Knowing your rights and getting reimbursed

In the case of small claims, some people do not dare to ask for a refund because they do not know the details of their insurance contract.

By taking the time to compare offers on this site and comparing quotes, you will know the details of your coverage. You will be able to assert your rights in the event of a claim and contact your insurance agent more easily. Nothing will escape you anymore!

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How to choose an insurance for your car in Luxembourg?

In Luxembourg, the most basic car insurances include a series of basic guarantees. These generally have civil liability (which protects you in case of an accident), basic legal protection (or 'Défense Recours', which will offer you assistance in defending yourself) and an emergency assistance number (to receive support in case of breakdown or accident).

In the coverage we consider essential, we also include all non-driving risks of the vehicle that may be common, such as :

  • fires
  • forces of nature (flood, hail, storm)
  • broken glass (broken windows).

In Luxembourg, such cover can be particularly useful. The floods in the summer of 2021 affected many cars and properties, and underlined the importance of insurance against natural risks. Damage caused by a flood, storm or hailstorm can be very expensive, especially if your vehicle is expensive. And unfortunately, these events will become more frequent with climate change.

If a disaster strikes your vehicle, or someone breaks your windows, you will appreciate being covered and reimbursed for the damage you have suffered.

We advise you to check carefully for the presence of these essential covers before requesting a quote for your car insurance. Also, for your convenience, and if you can, choose an insurance that protects against theft and vandalism. You should also consider insuring against animal strikes (especially if you happen to drive at night on Luxembourg's country roads!).

The options offered in insurance contracts

Some interesting services are offered as options by Luxembourg insurance companies. These services include, for example 

  • The reimbursement of the vehicle you are reimbursed the new or used value in the event of total loss of the vehicle (if it is beyond repair)
  • The Taxi option (or "Joker") A free taxi home if you are not fit to drive (if you have had too much to drink in the evening, for example!)
  • Driver's bodily injury insurance covering your medical expenses, costs and financial losses in the event of disability following an accident
  • Insurance against material damage to your vehicle: This insurance covers the financial loss of your car even if you are responsible for the accident.
  • An option allowing you to avoid a penalty in the event of an at-fault accident (only available with certain Premium car insurances).

These options are communicated at the time of choosing your insurance, and you will be reminded of them by the insurance agent at the time of purchase. We also display some of these options on our online car insurance comparator. You can find our selections at the top of this page.

What you need to know about insurance in Luxembourg

Is it more expensive to insure a vehicle in Luxembourg?

Without bonus or malus, you have to pay at least 45 € / month for the most basic insurance in Luxembourg. In France, for that price, you could get a comprehensive insurance (or "Omnium" in Belgium). In Luxembourg, you will simply have :

  • a liability
  • a legal protection basic (defence and recourse)
  • some basic coverages (fire, acts of God, glass breakage), but not all.

In any case, it is important to compare the cover offered by each car insurance policy before committing yourself. Start by analysing the cover and then ask for several quotes to compare the rates charged by the different insurance companies.

Why is insurance more expensive?

In general, Luxembourg car insurance reimburse better than in France, Belgium or Germany. You will rarely have to pay excesses in the event of a claim. Reimbursements are also generally higher than in other European countries. So you will have better cover, but you will have to pay more every month.

Finally, you can deduct your liability premium from your tax return each year. This means that you get some of the money back each year, so your insurance costs less in the end. If you are looking for offers from a particular insurance company, you can consult the pages dedicated to AXA, Bâloise, Foyer or LaLux.

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What is "Casco" insurance?

In Luxembourg, Casco" insurance is an insurance that covers all material damage to the vehicle. It is the equivalent of "All Risks" insurance in France, or "Omnium" in Belgium. But not all Casco insurance policies are equivalent: some include cover that may be more suitable for you than others. Make sure you compare the coverages and ask for several quotes to find the best formula according to your budget and your needs.

How the bonus-malus works in Luxembourg

In Luxembourg, there are two bonus-malus systems different which are complementary:

  • The "Civil Liability" bonus-malus. It is determined when you cause accidents (or do not cause them). This bonus or malus applies only to the 'Third Party Liability' part of your insurance, which is the largest part of your premium. The scale is public and regulated by law.
  • The "Property Damage" bonus-malus. It changes every time your car suffers material damage. This bonus-malus is set freely by your insurer. It has an effect on the rest of the insurance premium (and not on the "Civil Liability" part).

So if you damage your car and report the damage, or if you have a small accident in a car park where responsibility is shared, you will not have any effect on the large part of your contribution, which is Civil Liability. However, your property damage bonus will be affected. Your insurance premium will increase accordingly. This is the reason why not all drivers report minor accidents: they prefer to pay for the repairs themselves rather than suffer a penalty that will affect their monthly premium.

How to calculate your bonus-malus for an insurance?

To calculate your bonus-malus in Luxembourg, please refer to this scale. This is the bonus-malus scale for insurance, which ranges from -3 (maximum bonus) à 22 (maximum malus). Each new driver starts with a basic bonus-malus, located at the 11. Next :

  • For every year without an accident, you save 10% on the price of your civil liability.
  • For each accident in which you are responsible, your bonus-malus degree increases by 3 points. Above 11, you will have to pay an additional 5% on your civil liability. Beyond 15 (i.e. the 2nd accident with liability), you advance on the scale in increments of 10%. The price increases then become more substantial.

To lose your malus, you will have to be patient: 3 years without an at-fault accident to erase the effect of a single accident you caused. So be careful when driving: every accident you cause can have an impact on the price you pay each month.

If you are moving to Luxembourg for the first time, the insurance company will probably ask you for a certificate from your previous insurer (which you will need to terminate the contract) in order to convert your foreign bonuses into a Luxembourg bonus.

Bonus-malus: what difference does it make to the price of insurance?

The bonus-malus system is more advantageous in Luxembourg than in other European countries. In France, for example, the malus is applied to the entire premium you pay. This means that you pay an extra charge on your entire insurance premium every time you have an at-fault accident.

In Luxembourg, the malus linked to accidents is only applied to the "Civil Liability" part of your insurance. The effect of a bonus or malus is therefore more limited than elsewhere. However, the effect is still significant, as third party liability accounts for a large part of the premium. For example :

  • With a bonus-malus level of 7 (i.e. 6 years without an accident since obtaining your licence), you can save more than 450 per year on your civil liability
  • With a bonus-malus level of 17 (i.e. 2 consecutive at-fault accidents after obtaining your licence), you will have to pay more than 250 per year on your civil liability

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Frequently Asked Questions (FAQ)

What is the cheapest car insurance?

The cheapest insurances with good coverage are among our selection of "Eco" insurances. These insurances are selected according to objective criteria, and their prices correspond to limited budgets. Compare the coverages carefully and then contact the insurance company directly to get a personalised price.

Which insurance should I choose for my car?

If you are looking for the best value for money in Luxembourg, choose one of the insurances presented in our "Top" category. These are offers that provide comprehensive cover at a reasonable price. If you want to save money on your car insurance, choose our "Eco" section: you will find cheap insurance policies and an overview of the main guarantees offered. Finally, if you want to have a complete coverage for your vehicle, check out our "Premium" section: this is a selection of insurances with solid guarantees and interesting options. You can also consult directly the offers of Foyer, Bâloise, AXA and LaLux.

Which car insurance pays the best?

All car insurance policies pay out very well, as long as the loss you suffer is covered by the guarantees offered in the policy you have taken out. That's why it's important to compare them carefully beforehand: make sure you're covered against as many risks as possible. If you have any doubts about the reimbursement of your current cover, refer to the contract with the insurance company or contact your insurance agent.

What is the best online insurance?

In Luxembourg, two car insurance companies offer to calculate your rate online: they are Foyer and Bâloise. You can make an initial simulation of the price of your car insurance and then contact the insurance company directly if the price suits you. The price and coverage will then be personalised with an insurance agent who will finalise the contract with you. However, make sure that you are able to cancel your car insurance before taking out a new one.

Why should you insure your vehicle?

Insuring your car is essential to cover you against damage you may cause to others, or that may be caused to you. In the event of an accident, the insurance company will pay all the material costs. If you did not have insurance, you would have to pay out of your own pocket. And the amounts can be considerable...

Third party or comprehensive, how do I choose my car insurance?

Third-party insurance covers you against the risk of damage caused to you by others. All-risk insurance, or "Casco" in Luxembourg, or "Omnium" in Belgium, also covers many material damages caused to the vehicle, and may even offer you additional guarantees (full driver protection, reinforced legal protection, etc.). If you are not comfortable with driving a vehicle, we recommend that you opt for Casco insurance in Luxembourg.

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