When buying car insurance in Ireland, you’ll usually find three main types of policies:
- Third-Party Only (TPO)
- Covers injury or damage you cause to others.
- Cheapest but offers the least protection.
- Third-Party, Fire, and Theft (TPFT)
- Covers third-party claims plus damage if your car is stolen or catches fire.
- Popular choice for budget-conscious drivers.
- Comprehensive Insurance
- Covers you, your car, and others involved.
- Best for peace of mind, especially for new or expensive cars.
Car Insurance Costs in Ireland (2025)
Car insurance in Ireland is known to be more expensive compared to the U.S. Average premiums depend on your age, driving history, and location.
- Young drivers (under 25): €1,500 – €3,000 per year
- Experienced drivers (30+ years): €700 – €1,200 per year
- Tourists / Short-term drivers: Temporary insurance can cost €15–€30 per day
Tip for U.S. citizens: If you’re renting a car in Ireland, your U.S. insurance or credit card may not fully cover you. Always check with your rental company and consider adding Collision Damage Waiver (CDW).
Best Car Insurance Companies in Ireland
Some of the top providers in Ireland include:
- AXA Insurance – Known for competitive premiums and roadside assistance.
- Allianz Ireland – Good for comprehensive coverage and add-ons.
- Aviva Insurance – Offers multi-policy discounts.
- Liberty Insurance – Popular among young drivers.
- FBD Insurance – Trusted Irish brand with strong local presence.
Documents You Need for Car Insurance in Ireland
To get car insurance, you’ll typically need:
- Valid driver’s license (U.S. or Irish)
- Proof of address in Ireland
- Proof of No-Claims Bonus (if transferring from another insurer)
- Vehicle Registration Certificate
How to Get Cheap Car Insurance in Ireland
Car insurance can be expensive, but here are some proven ways to reduce your premium:
- Compare quotes online before choosing.
- Increase your voluntary excess.
- Add an experienced driver to your policy.
- Drive a smaller engine car (1.0L–1.4L is cheaper).
- Install safety devices or alarms.
Car Insurance in Ireland for U.S. Citizens
If you’re visiting Ireland from the U.S., here are your options:
- Rental Car Insurance – Usually offered by rental companies. Always check if your U.S. credit card includes coverage.
- Short-Term Car Insurance – Ideal for those borrowing a car in Ireland.
- Expats / Long-Term Visitors – You’ll need a local insurance policy once you establish residency.
FAQs
Q1. Can I use my U.S. car insurance in Ireland?
No, U.S. policies generally don’t cover you in Ireland. You’ll need rental insurance or an Irish policy.
Q2. Do I need an International Driving Permit (IDP)?
Yes, if your U.S. license is not in English, an IDP is recommended.
Q3. What is the penalty for driving without insurance in Ireland?
Fines up to €5,000, a court appearance, and possible driving ban.
Q4. Can I transfer my U.S. no-claims bonus to Ireland?
Some insurers allow it, but you’ll need documentation from your U.S. insurer.
Q5. Is car insurance more expensive in Ireland than in the U.S.?
Yes, premiums are generally higher due to stricter regulations and smaller markets.