Car insurance

Best Car Insurance in Switzerland in 2025

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Civil liability
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#1
#1Recommended Offer
Recommended Offer
Monthly price
From:28,00 CHFper month
Bonus protection
1 claim/year
Civil liability deductible
0 CHF
Bonus protection
1 claim/year
Civil liability deductible
0 CHF
Discount at a partner garage
  • Improvement lessons for young drivers
  • Attractive premiums for electric cars
  • 100% compensation in the event of total loss
  • Improvement lessons for young drivers
  • Attractive premiums for electric cars
  • 100% compensation in the event of total loss
With our partner FinanceScout24
#2
#2
Monthly price
From:31,00 CHFper month
Deductible for all damage caused
1 000 CHF
Bonus protection
1 claim/year
Gross negligence protection
Included
Deductible for all damage caused
1 000 CHF
Bonus protection
1 claim/year
Gross negligence protection
Included
  • Breakdown and onward journey insurance included
  • Replacement car loan in the case of total damage
  • Optional vehicle legal protection
  • Customisable cover
  • Breakdown and onward journey insurance included
  • Replacement car loan in the case of total damage
  • Optional vehicle legal protection
  • Customisable cover
With our partner FinanceScout24
#3
#3
Monthly price
From:33,00 CHFper month
Bonus protection
1 claim/year
Gross negligence cover
Included
Civil liability deductible
0 CHF
Bonus protection
1 claim/year
Gross negligence cover
Included
Civil liability deductible
0 CHF
10% discount online
  • Upgrade guarantee
  • Psychological support in the event of an accident
  • Upgrade guarantee
  • Psychological support in the event of an accident
With our partner FinanceScout24
Monthly price
From:36,00 CHFper month
Bonus protection
1 claim/year
Civil liability deductible
1 000 CHF
Bonus protection
1 claim/year
Civil liability deductible
1 000 CHF
  • 30% discount for young drivers
  • 24h/24h and 7d/7 assistance
  • 30% discount for young drivers
  • 24h/24h and 7d/7 assistance
With our partner FinanceScout24
Monthly price
From:36,50 CHFper month
Deductible for all damage caused
500 CHF
Bonus protection
1 claim/year
Gross negligence protection
Included
Deductible for all damage caused
500 CHF
Bonus protection
1 claim/year
Gross negligence protection
Included
  • Breakdown and onward journey insurance included
  • Replacement car loan in the case of total damage
  • Optional vehicle legal protection
  • Customisable cover
  • Breakdown and onward journey insurance included
  • Replacement car loan in the case of total damage
  • Optional vehicle legal protection
  • Customisable cover
With our partner FinanceScout24
Show more
Table of Contents
  • How does car insurance work in Switzerland?
  • What does car insurance cover?
  • What is usually not covered by car insurance?
  • The cost of car insurance in Switzerland
  • The best Car insurance in Switzerland
  • How to lower the cost of your Car insurance?
  • FAQ

A single car accident in Switzerland can lead to repair or liability costs well over CHF 20,000—an expense few can cover out of pocket. All drivers are required by law to have Car insurance covering third-party liability, as even minor faults can result in hefty claims. Risks such as theft, damage from natural hazards, and expensive repairs are not uncommon in Swiss cities and alpine regions. However, some policies exclude events like hail damage or wildlife collisions, which are frequent in certain areas.

With wide variations in coverage, exclusions, and deductibles across insurers, choosing the right Car insurance makes a real impact on both your legal compliance and long-term finances. Comparing offers ensures you get the protection that’s right for your situation, your car, and your budget.

At HelloSafe, our experts independently analyze and compare dozens of Car insurance contracts in Switzerland each year, giving you access to impartial rankings, up-to-date insights, and help choosing the best solution for your needs.

How does car insurance work in Switzerland?

Car insurance in Switzerland is mandatory for all vehicle owners and serves to cover financial liability in case of accidents, injury, or damage caused to third parties.

Basic third-party liability coverage is required by law, while drivers can choose to enhance their protection with partial or comprehensive plans for risks like theft, fire, vandalism, or natural disasters.

Policies are provided by private insurers and can be tailored with various options and deductibles to fit different personal needs and budgets.

Choosing Car insurance in Switzerland ensures compliance with legal obligations, offers flexibility in coverage, provides reimbursement levels adapted to your circumstances, and often includes valuable extras like international coverage or legal protection for frequent cross-border travel.

What does car insurance cover?

Car insurance in Switzerland requires all drivers to have at least basic third-party liability coverage, which protects against injury or damage you cause to others.

Optional coverages, such as partial casco or full casco, can be added to extend protection to your own vehicle, including theft, vandalism, natural disasters, animal collisions, and collision damages.

Basic car insurance does not reimburse for your own repair costs or theft, while optional add-ons provide more complete financial security.

Reimbursement is based on the type of cover you select, minus any deductibles specified in your policy, and may be subject to waiting periods or exclusions for certain incidents.

Choosing the right combination of basic and optional covers allows you to tailor your car insurance to your specific needs and risk profile.

Type of coverBasic Legal CoverageMid-rangeFull coverage
Bodily Injury
Property Damage
Uninsured/Underinsured Motorist (UM/UIM)Partially
Theft
Vandalism
Natural Disasters
Fallen Objects
Animal Collisions
Broken Glass
Collision
Medical Payments (MedPay)OptionalOptionalOptional
Personal Injury Protection (PIP)OptionalOptionalOptional
Roadside AssistanceOptionalOptional
Rental ReimbursementOptionalOptional
Gap InsuranceOptionalOptional
Custom Parts & Equipment CoverageOptionalOptional
Ride-sharing CoverageOptionalOptional
New Car Replacement/Better Car ReplacementOptionalOptional
Accident ForgivenessOptionalOptional
Comparison table of car insurance coverage types.
Bodily Injury
Basic Legal Coverage
Mid-range
Full coverage
Property Damage
Basic Legal Coverage
Mid-range
Full coverage
Uninsured/Underinsured Motorist (UM/UIM)
Basic Legal Coverage
Partially
Mid-range
Full coverage
Theft
Basic Legal Coverage
Mid-range
Full coverage
Vandalism
Basic Legal Coverage
Mid-range
Full coverage
Natural Disasters
Basic Legal Coverage
Mid-range
Full coverage
Fallen Objects
Basic Legal Coverage
Mid-range
Full coverage
Animal Collisions
Basic Legal Coverage
Mid-range
Full coverage
Broken Glass
Basic Legal Coverage
Mid-range
Full coverage
Collision
Basic Legal Coverage
Mid-range
Full coverage
Medical Payments (MedPay)
Basic Legal Coverage
Optional
Mid-range
Optional
Full coverage
Optional
Personal Injury Protection (PIP)
Basic Legal Coverage
Optional
Mid-range
Optional
Full coverage
Optional
Roadside Assistance
Basic Legal Coverage
Mid-range
Optional
Full coverage
Optional
Rental Reimbursement
Basic Legal Coverage
Mid-range
Optional
Full coverage
Optional
Gap Insurance
Basic Legal Coverage
Mid-range
Optional
Full coverage
Optional
Custom Parts & Equipment Coverage
Basic Legal Coverage
Mid-range
Optional
Full coverage
Optional
Ride-sharing Coverage
Basic Legal Coverage
Mid-range
Optional
Full coverage
Optional
New Car Replacement/Better Car Replacement
Basic Legal Coverage
Mid-range
Optional
Full coverage
Optional
Accident Forgiveness
Basic Legal Coverage
Mid-range
Optional
Full coverage
Optional
Comparison table of car insurance coverage types.

What is usually not covered by car insurance?

The most common exclusions in Car insurance policies in Switzerland include intentional damage caused by the policyholder, costs related to wear and tear or maintenance, claims arising while driving under the influence of alcohol or drugs, and the loss or theft of personal belongings inside the vehicle.

Additionally, damages resulting from unauthorized or undeclared drivers, claims that exceed your coverage limits, and incidents related to participation in illegal races or activities are not covered.

Waiting periods or specific restrictions may apply to certain covers depending on the policy, so it is essential to check contract terms in detail.

Exclusion typesGood to know
Intentional actsDamage or loss caused willfully or through illegal acts is never covered by Car insurance.
Vehicle condition & useNormal wear, lack of maintenance, or use of unauthorized parts are not insured.
Impaired or unauthorized drivingAccidents when driving under the influence or with an unapproved driver void the insurance.
Personal belongingsMost policies exclude theft or damage to personal items left inside the car.
Exceeding policy limitsYou are responsible for any costs above the policy’s stated coverage limits.
Legal and administrative issuesDriving without a valid license or participating in illegal competitions results in no coverage.
Geographical/external risksDamage occurring in excluded countries or due to exceptional natural events may not be insured.
Waiting periods and temporary exclusionsSome policies include waiting periods or temporary suspensions for specific risks or new coverages.
Intentional acts
Good to know
Damage or loss caused willfully or through illegal acts is never covered by Car insurance.
Vehicle condition & use
Good to know
Normal wear, lack of maintenance, or use of unauthorized parts are not insured.
Impaired or unauthorized driving
Good to know
Accidents when driving under the influence or with an unapproved driver void the insurance.
Personal belongings
Good to know
Most policies exclude theft or damage to personal items left inside the car.
Exceeding policy limits
Good to know
You are responsible for any costs above the policy’s stated coverage limits.
Legal and administrative issues
Good to know
Driving without a valid license or participating in illegal competitions results in no coverage.
Geographical/external risks
Good to know
Damage occurring in excluded countries or due to exceptional natural events may not be insured.
Waiting periods and temporary exclusions
Good to know
Some policies include waiting periods or temporary suspensions for specific risks or new coverages.

The cost of car insurance in Switzerland

Several factors influence Car insurance pricing in Switzerland, including the age and driving experience of the driver, accident history, traffic violations, and the level of coverage selected (liability, partial or full).

The type of vehicle (brand, model, engine size, safety features), deductibles chosen, annual mileage, and where the car is primarily used or parked (rural vs urban, canton) also play a significant role.

Premiums tend to rise with advancing age—especially after 65—at-fault accidents, frequent or severe traffic offences, or when choosing higher levels of coverage and insuring new or expensive vehicles considered high risk.

Increasing deductibles, maintaining an accident-free record, and driving lower-risk vehicles can all contribute to keeping premiums more affordable.

Driver’s AgeCoverage LevelMonthly premium (low-risk location)Monthly premium (high-risk location)
25Liability onlyCHF 68CHF 110
25Full coverageCHF 148CHF 210
45Liability onlyCHF 42CHF 77
45Full coverageCHF 105CHF 157
65Liability onlyCHF 65CHF 115
65Full coverageCHF 140CHF 197
Comparison of monthly car insurance premiums by driver's age, coverage level, and location risk.
25
Coverage Level
Liability only
Monthly premium (low-risk location)
CHF 68
Monthly premium (high-risk location)
CHF 110
25
Coverage Level
Full coverage
Monthly premium (low-risk location)
CHF 148
Monthly premium (high-risk location)
CHF 210
45
Coverage Level
Liability only
Monthly premium (low-risk location)
CHF 42
Monthly premium (high-risk location)
CHF 77
45
Coverage Level
Full coverage
Monthly premium (low-risk location)
CHF 105
Monthly premium (high-risk location)
CHF 157
65
Coverage Level
Liability only
Monthly premium (low-risk location)
CHF 65
Monthly premium (high-risk location)
CHF 115
65
Coverage Level
Full coverage
Monthly premium (low-risk location)
CHF 140
Monthly premium (high-risk location)
CHF 197
Comparison of monthly car insurance premiums by driver's age, coverage level, and location risk.

The best Car insurance in Switzerland

Best for everyday commuting (school/work)

AXA “Compact” plan is an ideal solution for daily commuters in Switzerland, offering mandatory liability coverage as well as optional partial casco for events like theft and glass breakage. This plan suits employees and students traveling to school or work thanks to its affordable premiums, quick digital claims, and up to CHF 100 million coverage for third-party damages. With flexible deductibles and 24/7 customer support, it meets the needs of those who rely on their vehicle for regular travel.

Best for families with multiple vehicles

Zurich Insurance “MultiCar” offers special discounts and streamlined administration for families insuring more than one car. This package includes liability, full casco (with collision), roadside assistance, and personal injury protection, and can reimburse new vehicle value within the first 24 months (up to CHF 120,000). The plan is efficient for households needing a single contact point, consolidated billing, and broad coverage across all family drivers.

Best for tight budgets

Elvia (Allianz Suisse) “Young & Basic” is one of the most budget-friendly Car insurance products in Switzerland, focusing on mandatory liability and optional partial casco. The plan features competitive premiums, digital contract management, and deductible customization (minimum CHF 500) to keep costs low. It’s a good choice for cost-conscious drivers who need reliable but affordable protection.

Best for expats or international drivers

Generali “Easy International” is tailored for expats and international drivers settling in Switzerland, with flexible monthly payments and coverage for both Swiss and foreign-registered vehicles during transition periods. This includes liability, casco, legal protection, and English-language customer service; reimbursement for accident repairs is typically offered up to the current market value. It’s ideal for expats thanks to its transparent procedures, international claims handling, and flexible documentation requirements.

Best for senior drivers

Mobiliar “Classic” plan is well-regarded among senior drivers, offering low deductibles and accident forgiveness, plus attentive claims support. Coverage includes liability, full casco with collision, and optional personal accident insurance, typically reimbursing repair costs up to CHF 80,000. Mobiliar offers premium reductions for accident-free seniors and tailored services to ensure peace of mind.

Best for students or young drivers

Helvetia “StartSmart” is designed for younger drivers, featuring basic liability, partial casco for theft and fire, and available legal protection. Premiums are reduced for good academic performance or telematics-based safe driving habits, and reimbursement for third-party damages is covered up to CHF 100 million. This plan supports new drivers with digital claim tools and bonus rewards for clean driving records.

Best for flexible/occasional drivers

Smile Insurance “Pay-per-Kilometer” offers flexibility by adjusting premiums based on yearly mileage, including liability and optional casco. Policyholders can manage coverage online and benefit from reduced rates if they drive less than 10,000 km per year, making it perfect for those who use their vehicle sporadically.

Best for self-employed or business drivers

Basler “BusinessAuto” package is suitable for freelancers and professionals using their car for business, covering liability, full casco, equipment, and car contents (usually up to CHF 5,000). It includes fast-track claims processing and rental car reimbursement up to CHF 2,000 per incident, ideal for minimizing business downtime and ensuring broader business-related protection.

How to lower the cost of your Car insurance?

Here are several practical ways to lower your car insurance premiums in Switzerland:

  • Compare offers: Use the HelloSafe comparison tool at the top of the page to identify the most competitive Car insurance options in Switzerland.
  • Increase your deductible: Opting for a higher deductible can help lower your monthly premium, but make sure you can afford to pay it in case of a claim.
  • Maintain a clean driving record: Avoiding accidents and traffic violations keeps your risk profile low and may help you benefit from no-claims bonuses.
  • Choose your vehicle wisely: Selecting a car with strong safety features and lower repair costs usually results in lower insurance rates.
  • Bundle your policies: If you purchase Car insurance along with home or personal liability insurance from the same company, you may qualify for multi-policy discounts.
  • Limit your annual mileage: The fewer kilometres you drive each year, the lower the risk for insurers, which can lead to reduced premiums.
  • Install security devices: Adding approved alarms or tracking systems may reduce your risk of theft and help you qualify for additional savings.
  • Take an advanced driving course: Completing a recognized defensive driving program may qualify you for further discounts with some Swiss insurers.

FAQ

What types of Car insurance are required in Switzerland?

In Switzerland, third-party liability insurance is mandatory for all vehicle owners. This coverage protects you financially if you cause injury or property damage to others. Comprehensive and partial comprehensive (casco) insurance options are available but not required by law.

How are Car insurance premiums calculated in Switzerland?

Premiums are determined by several factors including your age, driving experience, location, type of vehicle, annual mileage, and your claims history. Additional coverage, chosen deductibles, and bonus-malus status also influence the price you pay each year.

Can I switch my Car insurance provider in Switzerland?

Yes, you can change your insurer, typically at the end of the contract year or after certain life events like selling your vehicle or after an insured event. Proper notice—usually three months—is required, so check your contract carefully for specific terms.

What is a no-claims bonus and how does it work?

A no-claims bonus rewards safe drivers with premium discounts for each year they remain claim-free. If you declare a claim, your discount may be reduced, and your premium might increase the following year.

Is it possible to insure a car temporarily in Switzerland?

Short-term Car insurance policies do exist and are most commonly offered for vehicles in transit or for specific time-limited needs. These policies typically provide basic coverage and are useful for special situations like importing a vehicle.

Do insurers offer discounts for additional security features?

Many Swiss insurers provide premium reductions for cars equipped with approved anti-theft devices or advanced safety technology. These features minimize risk for the insurer and result in savings for the policyholder.

Are there specific policies for electric or hybrid vehicles?

Yes, several Swiss insurers offer specialized plans for electric and hybrid vehicles. These often include coverage for charging cables, battery damage, accident and environmental risks specific to electric cars, and may also offer additional eco-discounts.

What happens if I drive without valid Car insurance in Switzerland?

Driving without the mandatory third-party liability insurance is illegal and can lead to severe penalties, including fines, vehicle confiscation, and potential suspension of your driving licence. Always ensure your coverage is active and valid.

How can I lower my Car insurance premium in Switzerland?

Compare offers from several providers to find the best deal for your needs. You can also opt for a higher deductible, drive safely to maintain a good record, and consolidate policies if you have multiple insurance needs.

Do international licences affect Car insurance in Switzerland?

Most Swiss insurers accept valid international driving licences, especially for expats or newcomers. However, after taking up residence, you’ll be required to obtain a Swiss driving licence within a year to avoid complications with your insurance.

What types of Car insurance are required in Switzerland?

In Switzerland, third-party liability insurance is mandatory for all vehicle owners. This coverage protects you financially if you cause injury or property damage to others. Comprehensive and partial comprehensive (casco) insurance options are available but not required by law.

How are Car insurance premiums calculated in Switzerland?

Premiums are determined by several factors including your age, driving experience, location, type of vehicle, annual mileage, and your claims history. Additional coverage, chosen deductibles, and bonus-malus status also influence the price you pay each year.

Can I switch my Car insurance provider in Switzerland?

Yes, you can change your insurer, typically at the end of the contract year or after certain life events like selling your vehicle or after an insured event. Proper notice—usually three months—is required, so check your contract carefully for specific terms.

What is a no-claims bonus and how does it work?

A no-claims bonus rewards safe drivers with premium discounts for each year they remain claim-free. If you declare a claim, your discount may be reduced, and your premium might increase the following year.

Is it possible to insure a car temporarily in Switzerland?

Short-term Car insurance policies do exist and are most commonly offered for vehicles in transit or for specific time-limited needs. These policies typically provide basic coverage and are useful for special situations like importing a vehicle.

Do insurers offer discounts for additional security features?

Many Swiss insurers provide premium reductions for cars equipped with approved anti-theft devices or advanced safety technology. These features minimize risk for the insurer and result in savings for the policyholder.

Are there specific policies for electric or hybrid vehicles?

Yes, several Swiss insurers offer specialized plans for electric and hybrid vehicles. These often include coverage for charging cables, battery damage, accident and environmental risks specific to electric cars, and may also offer additional eco-discounts.

What happens if I drive without valid Car insurance in Switzerland?

Driving without the mandatory third-party liability insurance is illegal and can lead to severe penalties, including fines, vehicle confiscation, and potential suspension of your driving licence. Always ensure your coverage is active and valid.

How can I lower my Car insurance premium in Switzerland?

Compare offers from several providers to find the best deal for your needs. You can also opt for a higher deductible, drive safely to maintain a good record, and consolidate policies if you have multiple insurance needs.

Do international licences affect Car insurance in Switzerland?

Most Swiss insurers accept valid international driving licences, especially for expats or newcomers. However, after taking up residence, you’ll be required to obtain a Swiss driving licence within a year to avoid complications with your insurance.

Thomas Keller
Thomas Keller
Personal finance writer
HelloSafe
Thomas is a Swiss personal finance writer and analyst based in Zurich. He holds a Master’s degree in Financial Economics from the University of Zurich and studied Business Administration at the University of St. Gallen (HSG). Before joining HelloSafe, he worked in private banking and financial journalism, helping both locals and expats better understand the nuances of Swiss insurance, savings, and tax systems. At HelloSafe, Thomas focuses on producing comprehensive and neutral content in English to support informed financial decisions for a multilingual Swiss audience.

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