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:
The best car insurances in Luxembourg usually include good basic cover, such as :
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.
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).
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 :
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.
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.
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.
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!
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 :
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!).
Some interesting services are offered as options by Luxembourg insurance companies. These services include, for example
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.
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 :
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.
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.
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.
In Luxembourg, there are two bonus-malus systems different which are complementary:
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.
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 :
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.
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 :
Want to find cheap car insurance that suits your needs? Click on the button below.
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.
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.
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.
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.
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 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.
