Car Insurance in the Philippines (2026)
By Aditya AmanPublished Oct 3, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.CTPL is the legal minimum and costs a fixed ₱560 a year for a private car, under IC Memorandum Circular 4-2006 (official source) since 1 January 2007. Comprehensive insurance covers your own car and is priced on its value, so the premium comes from an insurer's quote.
Compare 32 insurers, or work out a premium below.
Car insurance premium calculator
Your carCar
Example value to start. Pick your car or type the value your insurer uses.
The percentage on your quote.
Bodily injury, property damage and personal accident premiums from your quote.
Set by the city or municipality, up to 0.75%. The IC's CTPL table uses 0.75%.
Own damage and theft on a ₱1,000,000 car
₱15,656.25 to ₱46,968.75 a year
The IC motor tariff band of 1.25% to 3.75% of the car's value, as of 1 January 2015, with stamp tax, VAT and local tax added. The rate on your quote decides your actual premium. Acts of nature, bodily injury and property damage cost extra.
The tax working, on the CTPL premium for a private car
- Basic premiumCTPL premium, private car (IC tariff)
- ₱447.11
- Documentary stamp tax12.5% of basic premium (NIRC Sec. 184)
- ₱55.89
- VAT12% of basic premium (NIRC Sec. 108)
- ₱53.65
- Local government tax0.75% of basic premium
- ₱3.35
- Total for the year
- ₱560.00
Type the rate or premium on your quote to see your own total. The CTPL total here matches the Insurance Commission's ₱560.00.
CTPL or comprehensive: which do you need?
You need CTPL to register any vehicle, under the Insurance Code, Sec. 389 (official source). Add a comprehensive policy to protect your own car, and your lender will require one if the car is financed. Without it, repairs to your own car and its theft are yours to pay.
| Point | CTPL | Comprehensive |
|---|---|---|
| Required by | Law (RA 10607, Sec. 389 (official source)), for LTO registration | Not by law; lenders ask for it on a financed car |
| Pays for | Death and injury to third parties | Your own car: damage and theft, plus the extras you choose |
| Limit | ₱200,000, all vehicle types, under IC Memorandum Circular 2024-01 (official source) since 2024 | Based on your car's value |
| Price | ₱560 a year, private car; set by the Insurance Commission for policies issued since 1 January 2007 | Quoted by the insurer on your car's value; the IC motor tariff (official source) puts own damage and theft at 1.25% to 3.75% of value, as of 1 January 2015 |
Car insurance companies in the Philippines
Every insurer here is on the IC list of licensed insurers as of 31 August 2026 (official source). Filter by what you need, then open a profile for coverage, claims and contacts. If an insurer denies or stalls a claim, the IC Public Assistance and Mediation Division (official source) takes complaints free of charge.
29 of 29 insurers
| Insurer | Sells | Online | Roadside | Acts of nature | Claims hotline |
|---|---|---|---|---|---|
 Alliedbankers Insurance | Comprehensive, CTPL | CTPL | Included | Optional | Not listed |
 Alpha Insurance | Comprehensive | Not listed | Included | Not listed | 0927 740 3299 |
 Asia Insurance Philippines | Comprehensive | Not listed | Not listed | Not listed | Not listed |
 Asia United Insurance | Comprehensive | Not listed | Not listed | Not listed | (632) 8242-1688 |
 AXA Philippines | Comprehensive, CTPL | Quote | Optional | Optional | (02) 8459-4735 |
 Bethel Insurance | Comprehensive | Not listed | Not listed | Optional | 0948-935-9950 |
 BPI MS | Comprehensive, CTPL | Quote | Included | Optional | (02) 8840-9999 |
 Cibeles Insurance | Comprehensive, CTPL | CTPL | Not listed | Not listed | Not listed |
 Cocogen Insurance | Comprehensive, CTPL, RideGuard, Auto Passenger PA Protect | Quote | Included | Optional | (02) 8830-6000 |
 Commonwealth Insurance | Comprehensive | Not listed | Not listed | Not listed | Not listed |
 Corporate Guarantee Insurance | Comprehensive | Not listed | Not listed | Not listed | +63 918 854 2267 |
 Country Bankers Insurance | Comprehensive | Not listed | Not listed | Not listed | Not listed |
 FGen Insurance (Fortune General) | Comprehensive, CTPL | Not listed | Not listed | Optional | (02) 8991-0364 |
 FPG Mercantile | Comprehensive, CTPL | Quote | Included | Included | (02) 8859-1200 |
 Liberty Insurance | Comprehensive, Vehicle classes | Not listed | Not listed | Not listed | Not listed |
 Malayan Insurance | Comprehensive, CTPL, MotoOne | Quote | Included | Not listed | (02) 8628-8628 |
 Oona Insurance | Comprehensive, CTPL, Auto Liability | Quote | Included | Optional | (02) 8876-4400 |
 Pacific Union Insurance | Comprehensive | Quote | Not listed | Optional | Not listed |
 Paramount Insurance | Comprehensive | Quote | Not listed | Optional | (02) 8772-9225 |
 Petrogen Insurance | CTPL, Comprehensive | Not listed | Not listed | Not listed | (02) 8702-4972 |
 PGA Sompo | Comprehensive, CTPL | Not listed | Included | Not listed | +63 917 562 2100 |
 PhilFirst Insurance | Comprehensive, CTPL, Motor Car (business fleet) | Not listed | Included | Included | (02) 8892-8888 |
 Pioneer Insurance | Comprehensive, CTPL, EV One | Quote | Included | Optional | (02) 7750-5433 |
 Prudential Guarantee | Comprehensive, CTPL | Not listed | Included | Not listed | (02) 8806-6089 |
 SGI Philippines | Comprehensive, Commercial Vehicle Insurance, Motorcycle Insurance | Not listed | Not listed | Included | +63 2 8848 0188 |
 Standard Insurance | Comprehensive, CTPL, Motorcycle Protect, Truck Protect | Quote | Included | Not listed | (02) 8845-1111 |
 Sterling Insurance | Comprehensive | Not listed | Not listed | Not listed | Not listed |
 Stronghold Insurance | Comprehensive | Not listed | Not listed | Not listed | (02) 8891-1329 |
 Travellers Insurance | Comprehensive, Other motor classes | Quote | Not listed | Optional | 0917 129 9359 |
What each insurer covers
Covers as each insurer states them on its own site, October 2026. A dash means the insurer does not list that cover for private cars.
| Coverage | Alliedbankers Insurance | Alpha Insurance | Asia Insurance Philippines | Asia United Insurance | AXA Philippines | Bethel Insurance | BPI MS | Cibeles Insurance | Cocogen Insurance | Commonwealth Insurance | Corporate Guarantee Insurance | Country Bankers Insurance | FGen Insurance (Fortune General) | FPG Mercantile | Liberty Insurance | Malayan Insurance | Oona Insurance | Pacific Union Insurance | Paramount Insurance | Petrogen Insurance | PGA Sompo | PhilFirst Insurance | Pioneer Insurance | Prudential Guarantee | SGI Philippines | Standard Insurance | Sterling Insurance | Stronghold Insurance | Travellers Insurance |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Own damage and theft | Included | Included | Not listed | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Not listed | Included | Included | Included | Included | Not listed | Not listed | Included | Included | Included | Included | Included | Included | Included | Included |
| Excess bodily injury | Included | Not listed | Not listed | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Not listed | Included | Included | Included | Included | Not listed | Not listed | Optional | Included | Included | Included | Included | Not listed | Optional | Included |
| Third-party property damage | Included | Not listed | Not listed | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Not listed | Not listed | Optional | Included | Included | Included | Included | Not listed | Optional | Included |
| Auto personal accident | Included | Included | Not listed | Not listed | Included | Optional | Included | Included | Included | Included | Included | Included | Optional | Included | Not listed | Included | Included | Not listed | Included | Not listed | Not listed | Included | Included | Not listed | Included | Included | Included | Not listed | Optional |
| Acts of nature | Optional | Not listed | Not listed | Not listed | Optional | Optional | Optional | Not listed | Optional | Not listed | Not listed | Not listed | Optional | Included | Not listed | Not listed | Optional | Optional | Optional | Not listed | Not listed | Included | Optional | Not listed | Included | Not listed | Not listed | Not listed | Optional |
| Riot, strike and civil commotion | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Included | Not listed | Included | Optional | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed |
| Roadside assistance | Included | Included | Not listed | Not listed | Optional | Not listed | Included | Not listed | Included | Not listed | Not listed | Not listed | Not listed | Included | Not listed | Included | Included | Not listed | Not listed | Not listed | Included | Included | Included | Included | Not listed | Included | Not listed | Not listed | Not listed |
| Loss of use | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Optional | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Optional | Optional | Not listed | Not listed | Not listed | Not listed | Not listed | Optional | Not listed | Not listed | Included | Not listed | Not listed | Not listed |
Car insurance guides
Price and quotes
- How Much Is Car Insurance in the Philippines? How to Compute It (2026)Car insurance in the Philippines is priced per car: insured value times a rate of 1.25% to 3.75% (IC tariff), plus add-ons, DST, VAT and local tax.
- Cheapest Car Insurance in the Philippines (2026): CTPL Prices and Ways to Pay LessThe cheapest legal car insurance is CTPL at ₱560 a year (IC tariff). Online CTPL prices by insurer, and five ways to pay less for comprehensive cover.
- How to Compare Car Insurance Quotes in the Philippines (2026)Compare car insurance quotes line by line: same sum insured, rate, deductible, acts of nature and liability limits. What each insurer asks for online.
- How to Switch Car Insurance in the Philippines (2026): Renew, Cancel or Change InsurerSwitch car insurance at renewal so the car is never uncovered. Cancelling mid-term refunds only part of the premium: the IC short-period scale, step by step.
What it covers
- Comprehensive Car Insurance vs CTPL in the Philippines (2026): The DifferenceCTPL is the compulsory ₱560 cover for injuries you cause to others. A comprehensive policy also pays for your own car, theft and property damage.
- CTPL Insurance in the Philippines (2026): Price at the LTO, Coverage and MeaningCTPL costs ₱560 a year for a private car under the IC tariff and pays up to ₱200,000 for death and injury to others. Price table, fees and LTO rules.
- Own Damage Car Insurance in the Philippines (2026): Meaning, Coverage and ClaimsOwn damage pays to repair your car after a collision, fire or vandalism. Perils, deductible, parts depreciation and glass cover under the IC standard policy.
- Third Party Liability Car Insurance in the Philippines (2026): CTPL, Bodily Injury and Property DamageThird party liability pays others for injury, death or property damage your car causes. CTPL, excess bodily injury and property damage cover, with limits.
- Excess Bodily Injury Car Insurance in the Philippines (2026): Meaning and LimitsExcess bodily injury pays for injury or death your car causes once CTPL runs out. What it means, who it pays, and the limits Philippine insurers sell.
- Personal Accident Cover on Car Insurance in the Philippines (2026): Driver and PassengersAuto personal accident pays the driver and passengers for death, disablement and medical costs. Who CTPL leaves out, and the per-seat limits insurers sell.
- Acts of Nature Car Insurance in the Philippines (2026): What It Covers and CostsActs of Nature cover pays for typhoon, flood, earthquake and volcanic damage to your car. What the IC policy excludes, the 0.50% rate and who sells it.
- Flood Damage Car Insurance in the Philippines (2026): Coverage and ClaimsCar insurance pays for flood damage only with Acts of Nature cover. What the IC standard policy requires after a flood, and the documents for a flood claim.
- Car Theft Insurance in the Philippines (2026): Is Carnapping Covered?Theft is covered by a comprehensive car policy, not CTPL. What the IC theft clause pays, what it excludes, and the papers a carnapping claim needs.
- The "Three Tire Rule" and Riot and Strike (RSCC) Car Insurance in the Philippines (2026)There is no three tire rule in Philippine car insurance. What the IC standard policy says about floods, and how riot, strike and civil commotion cover works.
- Loss of Use Car Insurance in the Philippines (2026): Daily Limits by InsurerLoss of use pays your transport while the car is in the shop after a covered loss. Daily limits and start dates from Malayan, Standard, Pioneer and OONA.
Claims
- How to File a Car Insurance Claim in the Philippines (2026): Steps, Requirements, DeductibleCar insurance claim steps in the Philippines: what to do at the scene, the documents insurers ask for, the 0.50% deductible, payment deadlines and denials.
- How to Claim CTPL Insurance in the Philippines (2026): Steps, Deadlines, DocumentsA CTPL claim pays ₱30,000 per injured person without proving fault. Which insurer to claim from, the 6-month notice rule, documents and payment.
- How to File a Hit-and-Run Insurance Claim in the Philippines (2026)After a hit-and-run, your car is claimed on your own comprehensive policy, less a deductible of at least ₱2,000. Steps, papers and what CTPL pays.
- Certificate of No Claim for Car Insurance in the Philippines (2026): What It Is and How to Get OneA Certificate of No Claim comes from your own car insurer and backs a claim against another driver's policy. Who issues it, how to request it, what to send.
- Best Roadside Assistance in the Philippines (2026): What Each Insurer's Programme CoversRoadside assistance in the Philippines comes with comprehensive car insurance. Towing caps from ₱3,500 to ₱8,000, hotlines and who qualifies, by insurer.
- How to Check if a Car Is Insured in the Philippines (2026)How to check a car's insurance in the Philippines: the COC behind every CTPL, the IC Gateway the LTO reads, the new Certificate of Validation and the IC list.
Your situation
- Motorcycle Insurance in the Philippines (2026): CTPL Price and Comprehensive CoverMotorcycle CTPL costs ₱250 a year or ₱720 for 3 years under the IC tariff. Comprehensive cover is 1.40% of the bike's value, plus taxes. Who sells it.
- Electric Car Insurance in the Philippines (2026): BYD, EV and Hybrid CoverEVs and hybrids use the same private car policy and IC rate range as any car, priced on value. Pioneer EV One adds battery, charger and range cover.
- Insurance for a Second-Hand Car in the Philippines (2026)A used car is insured on its current market value under the same IC policy. Age limits run 7 to 15 years, and cover moves to a buyer only by endorsement.
- How to Insure a Financed Car in the Philippines (2026): Mortgagee Clause and RenewalsA financed car's policy names the bank in the schedule's Mortgagee box and is renewed every year until the loan ends. What that changes on claims and renewals.
- Truck, Van and Business Vehicle Insurance in the Philippines (2026)Trucks go on the IC Commercial Vehicle Policy at 1.25% own damage and theft; taxis and jeepneys on the operator's policy. Rates, CTPL and use limits.
Car insurance questions
How much is CTPL for a private car?
₱560 for one year and ₱1,610 for three years, taxes included, under IC Memorandum Circular 4-2006 (official source), in force since 1 January 2007. That is the IC tariff for every insurer. Some insurers sell online at a higher figure: Cibeles lists ₱730.40 and Standard ₱610.40 (October 2026), so compare the total before you pay.
Is car insurance required in the Philippines?
CTPL is. Under the Insurance Code, Sec. 389 (official source), the LTO cannot register or renew a vehicle without it. Sec. 401 sets a fine of at least ₱500, up to 6 months in prison, or both, for driving without it. Comprehensive insurance is not required by law, though lenders ask for it on a financed car.
What does comprehensive car insurance cover that CTPL does not?
Your own car. CTPL pays only for death or injury to third parties, up to ₱200,000 since IC Memorandum Circular 2024-01 (official source). A comprehensive policy adds own damage and theft, and usually offers extras such as acts of nature, personal accident and roadside assistance, which differ by insurer.
How is a comprehensive premium worked out?
The insurer applies a rate to your car's value, adds the price of any extra covers, then adds 12.5% documentary stamp tax, 12% VAT and local government tax. Insurers quote the rate when you ask, so the calculator above takes the rate from your quote.