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Car Insurance Comparison Switzerland2025
Find the cheapest car insurance. Compare liability, partial and full coverage premiums from all insurers.
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What you should know
Car insurance is mandatory in Switzerland according to the Road Traffic Act (SVG). Every vehicle must have at least liability insurance with coverage of at least CHF 100 million. Additionally, you can purchase partial comprehensive (theft, fire, glass breakage, natural events) and full comprehensive (additionally, damage to your own vehicle). Premiums vary greatly depending on vehicle type, age, location, deductible, and no-claims bonus. On average, liability insurance costs CHF 400-800 per year, full comprehensive CHF 1,200-2,500 depending on the vehicle.
Expert tips
Compare premiums annually – differences up to 50% between insurers are common.
Increase the deductible (CHF 500-1,000) for significantly lower premiums.
Use no-claims bonuses – up to 70% savings after claim-free years.
For vehicles over 8 years old, partial comprehensive often suffices.
Combine car and household insurance with the same provider for volume discounts.
Frequently asked questions
Which car insurance is mandatory?
Liability insurance is legally required (SVG Art. 63). It covers damages you cause to others, minimum CHF 100 million.
How much does car insurance cost in Switzerland?
Liability: CHF 400-800/year, partial comprehensive: +CHF 200-500, full comprehensive: CHF 1,200-2,500 total, depending on vehicle and deductible.
What's the difference between partial and full comprehensive?
Partial comprehensive covers theft, fire, glass breakage, natural events. Full comprehensive additionally covers damage to your own vehicle, even if at fault.
How can I save on car insurance?
Higher deductible, use no-claims bonuses, compare premiums annually, skip full comprehensive for older vehicles.
What is a no-claims bonus?
After claim-free years, your premium decreases gradually. After 10-15 years, you pay up to 70% less than at the start.
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Compare car insurance nowDisclaimer: The information provided on this page is for informational purposes only and does not constitute legal, financial, or tax advice. All information is provided without guarantee. Current conditions may differ from those mentioned here. Please check with the respective providers before concluding a contract.