# Which Car Insurance Do You Need in Portugal? (2026) > Car insurance in Portugal: mandatory liability, own damage, no-claims bonus, and how to register a car. By Jules de Bruin · URL: https://www.how-to-portugal.com/insurance/car-insurance Updated August 2026. **Third-party car liability** is mandatory in Portugal, with combined minimum cover of **EUR 7,750,000.00**. Leading insurers include **Fidelidade**, **LOGO**, **Generali Tranquilidade**, **Allianz**, **Zurich**, **MAPFRE**, and **Victoria**. The final premium is confirmed only by quotation, as it depends on the vehicle, driver age, and claims history. ## What are the top car insurance providers in Portugal? Fidelidade and LOGO lead the available catalogue data. Fidelidade has the largest garage network; LOGO targets the digital, budget segment. Other ASF-authorised insurers include Generali Tranquilidade, Allianz, Zurich, MAPFRE, and Victoria. Fidelidade ### Fidelidade Car Insurance Essential 4.1Largest insurer in the market, with assistance and legal protection in the Essential plan. - Largest garage network - Market leader stability - Premium only via quote [Get a Fidelidade quote](https://www.fidelidade.pt/PT/empresas/Auto/Documents/Essencial_Autom%C3%B3vel.pdf)All packages(1) - Fidelidade Seguro Automóvel Essencial (Portugal)Quote requiredCover EUR 6,000,000.00 / premium · No public premium table; quoted by simulation. The Essencial cover table runs third-party liability up to EUR 6,000,000 (capped at EUR 5M bodily injury and EUR 1M property damage per accident), with level 1 travel assistance and level 1 legal protection included. Prices as of August 2026, verify on the provider site. Essential plan includes liability, level 1 travel assistance, and level 1 legal protection. Broad contracted garage network. - Liability up to EUR 6,000,000 - Travel assistance included - Legal protection included - Claims management via app Best for Drivers who value a garage network and claims service Generali Tranquilidade ### LOGO Car Insurance 3.9Digital brand of the Generali group with fully online purchase. - Digital purchase - Aggressive entry prices - No agent network [Get a LOGO quote](https://www.deco.proteste.pt/saude/seguro-saude/noticias/seguro-saude-multicare-medis)All packages(1) - LOGO Seguro Automóvel (Portugal)Quote requiredCover EUR 7,750,000.00 / premium · No public premium table. Online simulator at logo.pt; a digital brand positioned in the budget segment. Prices as of August 2026, verify on the provider site. 100% online and telephone sales. Same solidity as the Generali Tranquilidade underwriter. - Online quote at logo.pt - Generali digital brand - Online or phone support Best for Digital drivers who want to compare price ## What types of car insurance exist in Portugal? ### Responsabilidade Civil (Third-Party Liability) Mandatory. Covers damage to third parties: people, property, and vehicles. It does not cover your own car or the at-fault driver. ### Partial Comprehensive Adds cover such as glass, fire, theft, and natural events, but not collisions where the driver is at fault. ### Full Comprehensive Also covers damage from your own collision, in addition to partial covers. It is the most complete and most expensive option. ## Is car insurance mandatory in Portugal? Yes. Third-party car liability is mandatory even when the car is parked. Minimum legal limits are EUR 6.45 million for bodily injury and EUR 1.30 million for property damage, for a combined total of EUR 7,750,000.00 (June 2022 review). Driving without insurance is a serious offence, punishable by a fine and vehicle seizure. The Motor Guarantee Fund covers victims of uninsured vehicles. ## How much does car insurance cost in Portugal? Price depends on the vehicle, driver age, years licensed, claims history, district, and chosen covers. A common reference profile is: 35-40 years old, licensed more than 10 years, no claims, small city car 1.0-1.2. The no-claims bonus is a commercial practice, not a single legal table. Without claims, the discount grows; after a claim, the premium may rise at renewal. ## How do you register a car in Portugal? Registration is done at the IMT (Instituto da Mobilidade e dos Transportes). You need ID, NIF, proof of address, certificate of conformity, and a valid inspection certificate. Before driving, the car must have valid Portuguese liability cover. If you import a vehicle, your home-country insurance does not replace a Portuguese policy. ## Related Guides [### Insurance in Portugal Overview.](/insurance)[### Health insurance SNS and private.](/insurance/health-insurance)[### Liability insurance Personal liability.](/insurance/liability-insurance)[### Insurance price research Price bands.](/insurance/price-research) ## Frequently Asked Questions ### What is the minimum third-party car cover? Mandatory third-party cover has minimum limits of EUR 6.45 million per incident for bodily injury and EUR 1.30 million for property damage, as of the June 2022 review. ### Is a foreign no-claims bonus accepted? Not always. Ask your previous insurer for a certificate; the new insurer decides whether to recognise it. ### Can I drive a foreign-registered car in Portugal? For short stays, your home-country insurance with a green card usually suffices. For residence, the car must be registered in Portugal and hold a Portuguese policy. --- Source: https://www.how-to-portugal.com/insurance/car-insurance Last updated: n/a Format: LLM-readable Markdown twin (.md) of the canonical HTML page.