Car Insurance Ireland
Compare 14 Car Insurance quotes
- Get your car insurance quote in minutes
- Our customers saved €230 on their car insurance
- Enjoy Breakdown Assistance and Windscreen cover with all online comprehensive policies
Our
Customers
Save
€230
Includes
€40
Online
Discount
Our
Customers
Save
€230
Includes
€40
Online
Discount
Find New Car Insurance With Chill
Find New Car Insurance
With Chill
Car insurance protects you financially if your car is damaged, stolen or in an accident, as well as covering the cost of injury or damage. In Ireland, third-party coverage is the minimum legal requirement for every driver using a public road.
The trouble is that comparing policies usually means repeating the same details to different insurers. Well, Chill does that for you. One quick form and you'll have a clear view of what you actually pay.
Whether you need Comprehensive, Third Party, or Third Party, Fire & Theft, we'll compare 14 different insurers to give you the best quote.
Why Choose Chill
For Car Insurance
Chill makes car insurance affordable and hassle-free. As one of Ireland's leading car insurance brokers, we do all the hard work for you. Simply compare offers from our 14 trusted insurance providers and find the right car insurance for you.
Get a quoteBenefits of Chill Car Insurance
Benefits of Chill Car Insurance
Customers Save €230 On Average
Average annual saving for drivers who switched to Chill, including €40 online discount.*
Save Time & Effort on Car Insurance
It's easy to compare 14 different insurers and buy online with Chill.
Thousands Of 5 Star Reviews
Backed by 3000+ 5 star independent reviews that you can trust.
Up to 67% No Claims Discount
If you have 6+ years with No Claims then you can get up 67% off your car insurance^.
Irish Customer Support
We're based right here in Dublin, so you'll know we'll always have your back. Our friendly team, are here for you always, whether you need to make a claim or update your policy.
Windscreen & Breakdown Cover
Repair & replace damaged glass and roadside assistance if you break down available on comprehensive car insurance policies.
*Savings based on survey of new customers who switched to Chill and participated in survey. Survey of 868 customers conducted in March 2025. Savings may vary.
^67% No Claims Discount only available on policies provided by KennCo Underwriting Limited.
Our Insurers
Our Insurers
In order to get you on the road with the right car insurance policy, we work with 14 reputable and trusted insurance providers.
Each one is regulated by the Central Bank of Ireland to give you peace of mind, and we use them to find you the best deals.
Our insurers include Allianz, Axa, Liberty and Zurich.
Get A Quote Today
Comparing quotes on our website takes just moments. All you have to do is enter your car’s details into our online quote form and then leave the rest to us. We’ll search our panel of insurers to present you with the best options in an easy-to-understand, transparent way.
What Type of Car Insurance Do I Need?
With the various types of car insurance policies to choose from, it can be difficult to understand which one is right for you.
Below, we’ve tried to make this decision easier. You can find at out a glance what each type of insurance does and doesn’t cover so you know you’re getting the perfect policy for you.
Comprehensive insurance (also sometimes known as “fully comp”) is the best type of policy because it covers not only other people and their vehicles, but your own vehicle too. Third-party only covers other people, and third party, fire and theft also covers your car if it’s stolen or catches fire.
Learn more about the different types of car insurance
Fire and Theft
Additional Benefits From Your Car Insurance
Depending on the motor insurance policy you purchase, additional benefits may be available.
Fire and Theft
Need Help?
What Our Customers Say
How To Compare Car Insurance Quotes
How To Compare Car Insurance Quotes
Comparing car insurance with Chill is quicker than you’d think.
Just follow these simple steps:
- Tell us more about you and your car via our simple online form.
- Let us know the type of cover you want, from comprehensive to third-party only.
- Browse the available deals and choose the best one for you!
To help us find you a great quote as quickly as we can, make
sure you have the following details to hand:
- Your car registration number.
- The value of your car and the date you purchased it.
- Details of your driving experience or No Claims Discount.
- Details of anyone else you’d like to add to your car insurance policy.
Hear From Our Experts
Hear From Our Experts
Ian O’Reilly
Director of Sales and Operations
“Most people are put off shopping around for a car insurance quote because they assume it means an afternoon of repeating the same details on forms over and over. At Chill, we take your information once and put it in front of multiple insurers to get you a quote in minutes.”
How To Get Cheaper Car Insurance
Below, you can find a few simple tips and tricks that could help reduce your premiums.
- Park your car in a safe place - parking your vehicle on a private driveway or locked car park could help to reduce your insurance premium
- Check your mileage is correct - you are required to tell your insurance provider how many kilometres you drive each year. Check this figure is correct and that you haven’t overestimated it.
- Pay annually, not monthly - paying for your car insurance monthly can add interest, so annual insurance can be slightly cheaper
- Change your car - if you’re due an upgrade, changing your car could help you to get cheaper insurance. Vehicles that are cheaper to insure are usually those that have lower power, so do your research.
- Add a named driver - Adding a named driver can sometimes actually bring your insurance down, so try adding a parent or other family member to your policy.
- Compare prices for the best deals - Comparing with Chill means you’ll only have to enter your details once to see quotes from multiple insurers, saving you time and money.
Find out more about how you can reduce the cost of your car insurance.
How To Get Cheaper Car Insurance
How Much Does Car Insurance Cost
This is a tricky question to answer, as it depends on the type of car you have, where it’s parked, how many kilometres you drive, whether you have a No Claims Discount, and so much more. We’ve written our Car Insurance Pricing Index to help you compare insurance prices, with a full breakdown of how where you live, your age, what car you drive and more can impact your insurance premiums.
Get a quoteLooking For More Information?
The insurance market doesn’t stand still. Premiums shift and rules change. Our News & Advice section keeps you up to speed on Irish motoring and insurance.
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This guide explains what insurers mean by driving safely for the conditions.
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We analysed the pass rates across Ireland’s driving test centres to find out where learners have the best chance of success.
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Find out about how depreciation, running costs & finance rates affect whether you should buy used or new cars.
Read MoreFrequently Asked Questions
Frequently Asked Questions
Can I have more than one car insured in my name?
Yes, you can. You can have as many cars insured under your own name as you want.
Can I get an NCT on a car without insurance?
No. In Ireland, a valid insurance certificate is required to complete a National Car Test (NCT).
What is the average cost of car insurance in Ireland?
This varies depending on the drivers experience, make & model of the car, as well as other factors. Read more on how much does car insurance cost in Ireland?.
Are older cars more expensive to insure than newer cars?
In general, older cars are more expensive to insure than newer cars. But this depends on many other factors, including the car's make and model, age, and driver's history.
Can I drive another car under my insurance?
If you have comprehensive insurance, you may be able to drive another car assuming all other requirements are fulfilled. You should check your insurance policy documents to make sure that you are covered.
Can I pay for my car insurance monthly?
Yes, you can pay your car insurance annually or in monthly instalments. You may be charged interest if you choose to pay monthly.
Do male drivers pay more for car insurance?
Statistically, young male drivers tend to pay more for car insurance due to higher accident rates, but rates can vary depending on individual factors.
Do I need car insurance?
Yes, you are required by law to have car insurance to drive a car.
What do the different types of car insurance cover?
Third-party insurance only covers damage to others, Third-party Fire and Theft also covers your vehicle for theft and fire damge. Comprehensive insurance additionally covers the cost of repairs to your own car in most cases. For more details read our guide on the different types of car insurance.
How does the value of my car impact my insurance quote?
As a rule of thumb, the higher the value of the car, the higher the insurance quote. However, there are many exceptions to this rule
How do I update or change my car insurance details?
If you need to amend any of your Chill car insurance policy details you can call us on 01 400 3400 or email activemta@chill.ie.
How long do you have to renew your car insurance?
There is no 'Grace Period' when it comes to insurance. Your car insurance must be renewed on or before the expiry date of your policy, or you will be driving without insurance
How do I choose the best car insurance for me?
You should identify your unique needs and find a car insurance policy that match your priorities. At Chill, we compare options from up to 14 different insurers and let you easily compare each policy. Get a quote now and we'll try and find the best policy for you.
How does adding named drivers change my car insurance price?
The effect will vary depending on the driver and policy. Generally adding an inexperienced driver will make a policy more expensive. If a policy includes an experienced named driver then the cost could decrease. Named drivers on your policy may also impact which policies are available to you.
Does age affect car insurance prices?
Younger drivers aged 17-29 are usually considered a higher risk to insure, typically due to a lack of driving experience. In general, car insurance premiums will decline as you get older and gain more driving experience. Find out more about how age changes your car insurance price.
How do I make a claim on my car insurance?
To make a claim on your Chill car insurance policy please visit our claims page.
Can I drive a new car without getting insurance?
Legally, you can not drive any car without valid insurance.
What countries does my car insurance cover me in?
Car insurance policies sold in Ireland will extend to a number of countries, including EU countries, but there are rules and expections. Find out all you need to know about international insurance in our What is a green card? article.
Can you get an insurance quote before buying a car?
Yes, our quote form will let you get a car insurance quote as long as you have the cars registration number.
How can I get a quote for car insurance?
Getting a car insurance quote with Chill takes a few minutes. Before you start, have your driving licence, your car’s registration number and your current insurance policy details to hand.
- Fill in our online quote form with details about you, your car and how you use it.
- Add any named drivers, previous claims and penalty points.
- Compare car insurance quotes from up to 14 insurers.
- Choose your policy and buy online to get a €40 discount.
Your quote is based on the information you give us, so make sure it’s accurate and up to date.
How can I renew my car insurance policy in Ireland?
Here’s how to renew your car insurance in Ireland:
- Your renewal notice arrives at least 20 working days before your policy ends.
- Compare last year’s premium with your new price, both shown on the notice.
- Check your details, such as your address, mileage and named drivers, and tell us about any changes or updates required.
- Accept your quote and pay on or before your renewal date.
Premiums can go up or down at renewal, so it pays to shop around. Chill searches our panel of trusted providers 30 days before your renewal date and sends you any better deal we find.
What is the cheapest car insurance I can get in Ireland?
There’s no single cheapest car insurance policy in Ireland, because every price depends on the driver. Your age, experience, car, address and claims history all shape your quote, and each insurer weighs them differently. The cheapest policy for your neighbour could be one of the dearest for you.
The best way to find your cheapest car insurance is to compare. Chill checks prices from up to 14 insurers, so you can see your lowest quote in minutes.
Can I pay monthly for car insurance?
Yes, you can pay for your car insurance annually or in monthly instalments. Monthly payments are available on most policies, subject to approval by our finance provider, Premium Credit Ireland. You’ll need to be over 18 with a current bank account, and you may need to pay a deposit before the balance is spread across monthly direct debits.
Paying monthly usually includes interest, so paying annually is normally the cheaper option. If you miss a payment, a charge of up to €25 may apply and your cover could be cancelled.
Can you get an insurance quote before buying a car?
Yes, our quote form will let you get a car insurance quote as long as you have the car’s registration number.
Getting a quote before you buy is a smart move. Two similar cars can cost very different amounts to insure, so it’s best to know the price before you hand over any money. Along with the registration, you’ll need your driving licence details, your no claims bonus and details of any previous claims or penalty points.
Can my car insurance policy cover me abroad?
Yes. Your Irish car insurance typically gives you at least the minimum legal cover to drive in any EU or EEA country, the UK, Switzerland, Andorra and Serbia, with no green card needed. Your full level of cover, such as comprehensive, usually only applies abroad for a set period, often around a month. Some benefits may not be available, e.g. Breakdown assistance), so tell your insurer before you travel.
Bring your driving licence, insurance certificate and vehicle registration certificate.
Can I have more than one car insured in my name?
Yes, you can. You can have as many cars insured under your own name as you want.
How do I choose the best car insurance policy for me?
Start with the level of cover that suits you:
- Third party only: covers injury or damage you cause to other people and their property.
- Third party, fire and theft: adds cover if your car is stolen or damaged by fire.
- Comprehensive: also covers damage to your own car.
Then check the excess (the amount you pay towards a claim), breakdown or emergency assistance, and whether you’ll get a courtesy car during repairs. At Chill, we compare policies from up to 14 insurers side by side. Get a quote now and we’ll help you find the best policy for you.
What is open driving car insurance in Ireland?
Open driving is an optional extra that lets other people drive your car without being named on your policy, as long as they have your permission. To qualify, drivers usually need to be aged between 25 and 70 and hold a full Irish, UK or EU licence, so learners and younger drivers aren’t covered. Open driving costs extra compared with a standard policy, and some insurers limit the cover open drivers get.
When do I need to renew my car insurance policy?
You must renew your car insurance on or before the expiry date of your policy, or you will be driving without insurance. Your policy lapses immediately when it reaches its expiry date, meaning you are no longer covered. There is no ‘grace period’.
- 30 days before: Chill starts comparing prices for your renewal.
- At least 20 working days before: your renewal notice arrives.
- By your expiry date: accept your quote and pay.
Don’t assume your policy will renew automatically. Check your renewal notice to see what you need to do.
What affects car insurance premiums in Ireland?
Car insurance premiums in Ireland are based on how likely an insurer thinks you are to make a claim. The main factors include:
- your age and driving experience
- your claims history and no claims bonus
- the level of cover you choose
- your annual mileage
- your car’s make, model and value
- where you live and any penalty points
Every insurer assesses these factors in its own way, so the same driver can get very different prices. Doing your research and comparing quotes is the easiest way to avoid paying over the odds.
How long will a claim stay on my car insurance?
A claim can affect your car insurance for several years. Most insurers in Ireland ask about claims from the last five years, although the exact period depends on the insurer and the type of claim. A claim can push up your premiums and reduce your no claims bonus, particularly if you were at fault. Some claims, such as windscreen repairs, usually leave your bonus untouched. Always declare past claims honestly when getting a quote.
How do I make a claim on my car insurance?
If you’re in an accident, first make sure everyone is safe and call the emergency services if anyone could be hurt. Then:
- Swap names, phone numbers, registrations and insurance details with the other drivers.
- Take photos if it’s safe and note any witnesses.
- Don’t admit liability.
- Call Chill on 01 400 3494 as soon as possible, before arranging any repairs.
Have your policy number ready, along with the date, time and location of the accident and any Garda report details. Visit our claims page for more information.
Can I get an NCT on a car without insurance?
No. In Ireland, a valid insurance certificate is required to complete a National Car Test (NCT).
Can I arrange same-day insurance cover?
Yes. In most cases, we can get you covered on a new car insurance policy on the same day. Our quote form only takes a few minutes to complete and you can buy your policy online straight away.
Your cover starts from the date and time your policy is finalised, as shown on your insurance certificate, so wait until then before you drive. If you have any questions, our friendly team in Dublin will be happy to help.
What is the average cost of car insurance in Ireland?
This varies depending on the driver’s age and experience, the make and model of the car, claims history and no claims bonus, level of cover and annual mileage. Read more at how much does car insurance cost in Ireland?
Making a Claim
Making A Claim
Need to make a claim? We’re here to help. Give us a call on 01 400 3494 and we’ll get your claim started for you.
If you’ve got a question about the claims process and what’s required than read our guide on making a claim.
Renewals
Is your car insurance up for renewal? If you’re an existing Chill customer, renewing your policy couldn’t be easier. We’ll automatically search the market before your renewal is due and find the best deal for you. When your renewal is due you can renew your policy online.
If you wish to change something on your policy before renewing, get in touch with the Renewals team on 01 400 3494 or email us at renewals@chill.ie. You should have your policy reference number to hand.