Don’t change your city for cheaper car insurance in KSA!
If you’ve been trying to find cheap car insurance in Saudi Arabia, you’ve likely read this “hack”: using a different city (especially if you’re in Riyadh) to lower car insurance prices. Don’t fall for it! Best case scenario, you save a little money. Worst case, you get into an accident, your claim gets rejected for providing false data, and you’re stuck paying for the damage.
What happens if you choose a different location to lower car insurance price
According to the Saudi Insurance Authority, you are legally required to provide 100% accurate information when buying insurance. So if you provide false or incorrect details, your insurance company will have the right to:
- Reject your claim. (You pay for your own damage).
- Demand their money back. (If they already paid to cover the damage you caused to others)
- Fix the price. (You must pay the difference between the low price and the real price).
Read about this in detail: See Section 1.17 for the definition of “Material Fact” and Article 9 for “Change of Material Facts.”
The Unified Compulsory Motor Insurance Policy | Insurance Athority Rulebook
Why are car insurance prices lower anywhere but Riyadh?
Car insurance is more expensive in Riyadh for one simple reason: traffic! More traffic equals more accidents. Consequently, car insurance companies charge higher prices to cover this risk.
With millions of cars sharing the road every day, there is a much higher chance of someone hitting you (or you hitting them). In smaller cities, there are fewer cars and less traffic, so accidents happen less often.
What else can affect car insurance prices in Saudi Arabia?
How much your car insurance in Saudi Arabia costs depends on many factors, including:
- Age
- Driving record
- Car type
- Location
- Coverage choices
Drivers with accidents or violations, younger/inexperienced drivers, those living in accident-prone cities, or those with expensive cars generally pay more for their car insurance in KSA.
Can’t find cheap car Insurance in KSA? Try this
You don’t need to change any facts to find cheap car insurance prices in KSA. Try these instead:
1. Build your No-Claims Discount (NCD)
Najm rewards safe driving with significant savings. If you maintain an accident-free record for 5 years, you can earn a No-Claims Discount (NCD) of up to 60% on what you pay for your car insurance.
2. Check for every possible discount
Insurance companies in Saudi Arabia often launch special campaigns during major events such as National Day, Founding Day, and Eid.
These promotions can take 10% or more off your total price. If your insurance is set to expire near these dates, keep an eye on social media and car insurance comparison sites for limited-time discount codes.
3. Compare car insurance offers
Not all insurance companies calculate risk the same way. While one company might be expensive, another could offer you a much better deal for the same type of car insurance.
Use a site like wakeel to compare car insurance prices online at once
A smart platform like wakeel doesn’t just guess your details; it asks the right questions. For example, by specifying that you park in a garage or a secured lot, you could actually lower your price. Small, honest details like this make a real difference.
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