Car Insurance in Thailand for Expats: Complete Beginner Guide (2025)
Car Insurance in Thailand for Expats: Complete Beginner Guide (2025)
Last updated: February 1, 2026 • Audience: Expats driving in Thailand
Driving in Thailand can feel overwhelming for new expats. Different road rules, unfamiliar traffic patterns, and unique insurance terms often create confusion.
One of the most important — and misunderstood — topics is car insurance in Thailand. Many expats don’t know what coverage is required, what’s optional, or how much protection they really need.
This complete beginner guide explains how car insurance works in Thailand for expats, the types of coverage available, typical costs in 2025, and how to avoid expensive mistakes.
Is car insurance mandatory in Thailand?
Yes. All vehicles in Thailand must carry Compulsory Motor Insurance, commonly known as Por Ror Bor.
This mandatory insurance provides basic personal injury coverage but does not cover vehicle damage or third-party property.
Important: Por Ror Bor alone is not enough for expats. It only offers minimal protection.
Types of car insurance in Thailand explained
1) Compulsory Motor Insurance (Por Ror Bor)
- Required by law
- Covers injury or death only
- Very low coverage limits
2) First Class Insurance (Type 1)
The most comprehensive option, especially recommended for expats.
- Covers your car, third-party damage, theft, and fire
- Covers accidents even if you’re at fault
- Higher premiums
3) Second and Third Class Insurance (Type 2+, 3+)
Mid-range options offering partial coverage.
- Lower cost than Type 1
- Limited coverage depending on fault
- Often excludes single-car accidents
How much does car insurance cost for expats?
Car insurance premiums in Thailand depend on vehicle value, driver history, and coverage type.
- Por Ror Bor: ฿600 – ฿1,000 per year
- Type 1 insurance: ฿15,000 – ฿40,000 per year
- Type 2+/3+: ฿7,000 – ฿15,000 per year
Newer cars and higher coverage limits increase premiums, but they also significantly reduce financial risk.
Do expats need a Thai driving license?
Legally, expats should have either:
- A Thai driving license, or
- An International Driving Permit (IDP)
Insurance claims may be denied if you drive without a valid license.
Tip: Getting a Thai license is strongly recommended for long-term expats.
What car insurance typically covers
- Vehicle repair costs
- Third-party property damage
- Third-party bodily injury
- Legal liability
- Theft and fire (depending on policy)
Coverage details vary widely by insurer and policy type.
Car insurance types comparison
| Insurance Type | Coverage Level | Best for | Cost |
|---|---|---|---|
| Por Ror Bor | Very basic | Legal compliance only | Low |
| Type 1 | Comprehensive | New cars, expats | High |
| Type 2+/3+ | Moderate | Older vehicles | Medium |
Smart insights for expat drivers
- Type 1 is worth it: Especially in unfamiliar traffic conditions
- License matters: Claims depend on valid documentation
- Choose English support: Helpful during claims
- Don’t rely on compulsory insurance alone
Frequently asked questions
Can expats buy car insurance in Thailand?
Yes. Foreigners can easily buy car insurance with a valid visa.
Is Type 1 insurance necessary?
Not legally required, but highly recommended for expats.
Does car insurance cover floods?
Only some Type 1 policies include flood coverage.
What to do next
- Confirm your driving license status
- Choose coverage based on vehicle value
- Compare at least two insurers
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