Your Guide to the Best Car Insurance Companies in Sharjah

Getting car insurance in Sharjah is a legal requirement, but choosing the right policy is what makes a difference when something goes wrong. The emirate is home to a growing number of established insurers with local offices, making it straightforward to compare options, request quotes, and manage claims without travelling to Dubai.

This guide lists leading car insurance companies in Sharjah, covering what each offers and their contact details. Use it to find the policy that suits your vehicle and your budget.

• What car insurance do you need in the UAE?
• Car insurance companies in Sharjah
• How Sharjah car insurance providers compare
• How to choose the right car insurance in Sharjah
• Key takeaways
• Frequently Asked Questions

What car insurance do you need in the UAE?

Under UAE law, all registered vehicles must carry at minimum a Third-Party Liability (TPL) policy. TPL covers damage you cause to other people’s vehicles or property but does not protect your own car.

Most Sharjah residents choose comprehensive insurance, which adds cover for their own vehicle against accidents, fire, theft, and related incidents on top of the mandatory third-party element. A third option, Third-Party Fire and Theft, sits between the two and is worth considering for older vehicles with a lower market value.

Here is a quick overview of the three main cover types available in the UAE.

Car insurance companies in Sharjah

1. Al Buhaira National Insurance

Al Buhaira is Sharjah’s home-grown insurer, headquartered on the Buhaira Corniche and offering Comprehensive, Third-Party, and Third-Party Fire and Theft cover. Its dedicated motor helpline and digital app make it a practical first choice for Sharjah-based drivers.

• Phone: 06 517 4444
• Location: Buhaira Insurance Towers, Khalid Lagoon, Buhaira Corniche, Sharjah

2. Sharjah Insurance Company

Founded in 1970, Sharjah Insurance Company is an established insurer in the UAE. It offers Comprehensive and Third-Party motor policies backed by a digital portal and mobile app for easy day-to-day management.

• Phone: +971 6 519 5666
• Location: Al Raha Tower, Corniche Al Mamzar, Al Khan, Sharjah

3. Orient Insurance

Orient Insurance is one of the UAE’s largest insurers, with over 60 years of operational experience across the country. Its motor products include Comprehensive and Third-Party cover with unlimited third-party liability, making it a strong option for drivers who want robust, wide-ranging coverage.

• Phone: +971 6 568 2045
• Location: Offices 301 and 302, 3rd Floor, Al Majaz 3, Sharjah

4. National General Insurance (NGI)

With more than 40 years in the UAE market, NGI is recognised for its efficient claims processing and reliable customer service. It provides Comprehensive and Third-Party motor insurance and has a dedicated Sharjah branch on Corniche Street for customers who prefer in-person support.

• Phone: +971 6 573 5999
• Location: Office 1601, 16th Floor, Crystal Plaza, Corniche Street, Al Majaz, Sharjah

5. Union Insurance

Union Insurance offers Comprehensive and Third-Party motor cover with a focus on flexibility, including roadside assistance as a standard benefit on many of its policies. Its Sharjah office in Al Raha Tower is centrally located for residents across the emirate.

• Phone: +971 6 593 9888
• Location: Al Raha Tower, Showroom No. 2, Al Khan, Sharjah

6. Arabia Insurance

Arabia Insurance brings more than 80 years of regional expertise and operates across 80-plus countries. The company uses AI technology to tailor risk assessments to individual customers and processes claims within 24 hours, with virtual support available.

• Phone: 800 242 23
• Location: Tower 400, 10th Floor, Al Soor Area, Sharjah

7. Sukoon Insurance

Sukoon Insurance, formerly Oman Insurance Company, offers Comprehensive, Third-Party, and Takaful-compliant motor policies, making it one of the few providers to cater specifically for customers seeking a Sharia-compliant option. Its digital services allow most policy actions to be completed without visiting a branch.

• Phone: 800 785666 (800 SUKOON)
• Location: Majestic Tower, Ground Floor, Al Khan, Sharjah

8. ADNIC

ADNIC (Abu Dhabi National Insurance Company) is one of the largest insurers in the UAE, with an extensive branch network spanning all seven emirates. ADNIC car insurance in Sharjah covers both Comprehensive and Third-Party options, with add-ons available including agency repair cover and personal accident protection.

• Phone: +971 6 568 3743
• Location: Al Hosn Tower, Showroom No. 2, Al Ittihad Street, Sharjah

9. GIG Gulf

GIG Gulf, formerly known as AXA Gulf, is a leading regional insurer recognised for its 24/7 customer support and digital-first service model. It offers Comprehensive and Third-Party motor policies and serves Sharjah residents through its toll-free helpline and nationwide branch infrastructure.

• Phone: 800 292
• Location: Serving Sharjah residents UAE-wide; reachable via toll-free number

How Sharjah car insurance providers compare

The table below provides a side-by-side overview of all providers, their available cover types, standout features, and contact details.

How to choose the right car insurance in Sharjah

With several strong options available, the right insurer comes down to a few key factors.

Coverage type: If your car is newer or financed through a bank, comprehensive cover is usually required. For older vehicles, a Third-Party or Third-Party Fire and Theft policy may offer better value.

Claims process: Look at how each insurer handles claims. Arabia Insurance commits to 24-hour approval, while NGI is known for efficient processing. A fast, transparent claims experience matters most when you actually need it.

Car insurance price in Sharjah: The car insurance Sharjah price you pay depends on several variables: your vehicle’s make, model, and year; your age and claims history; the type of cover chosen; and any add-ons included. Getting direct quotes from multiple providers is the most reliable way to compare costs for your specific situation.

Takaful option: If you need a Sharia-compliant policy, Sukoon Insurance offers a dedicated Takaful motor product in Sharjah.

Digital access: Several providers on this list, including Al Buhaira, Sukoon Insurance, and GIG Gulf, offer fully digital policy management. If renewing or managing claims online is important to you, check each insurer’s app and portal before committing.

Agency vs. non-agency repairs: Comprehensive policies differ on whether they cover agency (dealership) repairs or restrict you to non-agency workshops. This distinction can significantly affect out-of-pocket repair costs, particularly on newer vehicles.

Finding the best car insurance Sharjah has to offer means weighing these factors together rather than choosing on premium cost alone. A policy that includes agency repairs or roadside assistance can prove well worth a higher annual cost in the long run.

Key takeaways

• All vehicles in the UAE must carry at least Third-Party Liability insurance; most Sharjah residents opt for comprehensive cover for broader financial protection.
• Sharjah has several insurers headquartered or well-established within the emirate, including Al Buhaira National Insurance and Sharjah Insurance Company, giving residents straightforward access to in-person service.
• Sukoon Insurance is one of the few providers offering a Takaful (Sharia-compliant) motor policy in Sharjah.
• Car insurance costs in Sharjah vary by vehicle type, driver profile, and coverage level; comparing quotes from multiple providers is the most effective way to find the right policy at the right price.

Frequently Asked Questions

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