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Best Car Insurance in the Philippines: How to Choose

How to find the best car insurance in the Philippines for you: what to compare, and what Malayan, Oona, Standard and Kwik publish, checked 28 October 2026.

Published:
Updated:
Facts checked:

Quick answer

  • There's no single best car insurance. The best one for you is the policy that covers the risks you actually face, at a deductible you can afford, from an insurer licensed by the Insurance Commission.
  • Compare the same things every time: Acts of Nature, deductible or participation fee, depreciation on parts, roadside assistance, the car age limit, and the claims process.
  • We list what Malayan, Oona, Standard and Kwik published on 28 October 2026. We don't rank them, and none of them pays us.

"Ano ang best car insurance sa Pilipinas?" It's one of the most asked questions in car groups and on Reddit, and the answers are usually "yung sa dealer ko" or "yung mabilis mag-release ng claim". Those stories are useful, but one person's good claim doesn't mean the same policy is right for your car.

So instead of a ranking, this guide gives you a checklist that works for any insurer, and then shows what four insurers actually published about their car cover when we checked on 28 October 2026.

AutoInsurance.ph is an independent guide run by Dominet BV. We're not an insurer, agent or broker, and we don't sell policies or give personal prices. Some links on this site may be affiliate links, which means we may earn a commission if you buy through them. Local insurers we mention may not pay us anything. That never changes what we write. Read our affiliate disclosure. None of the insurers on this page pays us, and there are no affiliate links on this page.

Why we don't rank car insurers

Premiums depend on your car's value, age, model, use and where you drive, and each insurer prices those differently. Claims service also depends a lot on the branch, the agent and the repair shop. We can't test claims ourselves, and we won't guess. What we can do is show you how to compare policies fairly, using the Insurance Commission's standard rules as the baseline.

Step 1: Check the insurer is licensed

Before anything else, look up the insurer on the Insurance Commission's list of licensed life and non-life companies. Car insurance comes from non-life insurers. If a company or seller isn't on the list, don't buy.

Step 2: Compare these eight things

What to compareWhy it matters
Own damage and theftThe core of comprehensive cover. Check how the car's value is set and whether it's the market value at the time of loss.
Acts of NatureThe standard private car policy excludes flood, typhoon and earthquake unless you buy this cover. In flood-prone areas this is often the deciding factor.
Deductible or participation feeWhat you pay per claim. Some insurers use a percentage, some a fixed amount.
Depreciation on partsUnder the Insurance Commission's claims circular, depreciation on replaced parts starts after the car's third year. Ask how the insurer applies it.
Third party bodily injury and property damageThe limits on top of CTPL. Higher limits protect you if you hit an expensive car or injure someone.
Auto personal accidentPays for injuries to you and your passengers, which CTPL doesn't do.
Roadside assistanceTowing and minor repairs. Check the limits, not just whether it's included.
Car age limit and documentsSome insurers won't cover older cars online, or at all.

Our car insurance cost guide explains how these items add up in the premium, and our guide to using your car insurance explains deductibles, depreciation and claims in detail.

Step 3: Read what insurers publish

Here's what four insurers published about their car cover on their own pages, or on GCash's vehicle insurance page, as of 28 October 2026. This isn't the full policy. Always read the policy wording before you buy.

Malayan AutoMaster

Malayan's AutoMaster page, accessed 28 October 2026, lists:

  • Own damage and theft, up to the insured value
  • Acts of Nature, described as flood, typhoon and earthquake
  • Riots, strikes and civil commotion
  • Auto personal accident for you and your passengers
  • Third party excess bodily injury on top of CTPL, and third party property damage
  • Loss of use as an add-on: up to P1,000 a day for a maximum of 15 days for transport while the car is being repaired for a covered loss
  • CAMILLE 24/7 roadside assistance, with listed limits including towing up to P4,000 and minor roadside repair up to P2,000

The participation fee is fixed at P3,000 for private vehicles like sedans and hatchbacks, and P4,000 for special private vehicles like SUVs, crossovers and pick-ups. The page says the car must be a private vehicle no more than eight years old, and it lists what's not covered, including ordinary wear and tear and personal belongings taken from the car.

Malayan didn't publish a starting price on that page.

Oona Car Insurance

Oona's product page, accessed 28 October 2026, lists Car Insurance as covering:

  • Partial or total loss from collision, theft, fire, malicious acts and Acts of Nature
  • Legal liabilities to third parties for death or bodily injury and property damage
  • Complimentary roadside assistance

As listed by Oona on 28 October 2026, it starts from P4,500 a year. The actual premium depends on your car.

Standard Car Protect (on GCash)

GCash's vehicle insurance page, accessed 28 October 2026, lists Standard Car Protect at P6,700, paid once for one year. It says it covers damage or loss to your vehicle and liability to third parties for bodily injury or death from a motor accident. For a total loss or carnapping, it lists the benefit as the fair market value at the time of loss. For a partial loss, it lists the actual cost of repair, less the deductible and any depreciation.

Kwik Comprehensive (on GCash)

The same GCash page lists Kwik Comprehensive Vehicle Insurance at P2,628.05, paid once for one year, and notes the premium varies with the value of the car. It lists coverage of up to P8.8 million for own damage and theft, Acts of Nature, and strike, riot and civil commotion, with limits of up to P1 million for bodily injury and property damage.

Side by side

Published itemMalayan AutoMasterOona CarStandard Car ProtectKwik Comprehensive
Price as listed on 28 October 2026Not listedFrom P4,500 a yearP6,700 a yearP2,628.05 a year, varies with car value
Acts of Nature mentionedYesYesNot mentioned on the GCash pageYes
Roadside assistance mentionedYes, CAMILLEYesNot mentioned on the GCash pageNot mentioned on the GCash page
Participation fee publishedP3,000 or P4,000 fixedNot on the page we readNot on the page we readNot on the page we read
Car age limit published8 yearsNot on the page we readNot on the page we readNot on the page we read

"Not mentioned" doesn't mean the policy excludes it. It means the page we read didn't say. Ask the insurer.

What about Reddit and Facebook reviews?

They can tell you about real claims experiences, especially with specific branches and repair shops. Use them to make a list of questions, not as the final answer. Things worth asking an insurer directly:

  • How long do claims usually take, from complete documents to approval?
  • Which repair shops are accredited near you?
  • Is there a fixed participation fee or a percentage?
  • How is depreciation applied to parts on your car's age?

The Insurance Commission's claims circular lists the documents insurers can ask for, and it says insurers can relax these requirements but can't make them stricter. Knowing this helps when you compare claims experiences.

Comprehensive or just CTPL?

If your car is older or low in value, CTPL alone may be enough for you. If you'd struggle to pay for repairs or a replacement, or if the car is financed, comprehensive is usually worth a look. Our comprehensive vs CTPL guide walks through the choice.

Before you sign

  • Ask for the full policy wording, not just a brochure.
  • Check that the insured value matches your car's market value.
  • Check Acts of Nature is included if you need it.
  • Note the deductible or participation fee.
  • Make sure the CTPL portion is coterminous with your LTO registration. See our renewal guide.

Frequently asked questions

What is the best car insurance in the Philippines?

There's no single best one. Compare licensed insurers on Acts of Nature, deductible, depreciation, third party limits, roadside assistance and claims, using the same checklist for each.

Which car insurance includes Acts of Nature?

On their pages accessed 28 October 2026, Malayan AutoMaster, Oona Car Insurance and Kwik Comprehensive on GCash all mentioned Acts of Nature. Always confirm in the policy wording.

Ano ang dapat i-compare sa car insurance?

Tingnan ang Acts of Nature, participation fee o deductible, depreciation sa parts, limits ng third party, roadside assistance, at ang edad ng kotse na tinatanggap. Make sure licensed ng Insurance Commission ang insurer.

Can I insure a car older than 8 years?

It depends on the insurer. Malayan's AutoMaster page says it only insures vehicles up to eight years old. Other insurers may have different limits, so ask before you apply.

Is cheaper car insurance worse?

Not necessarily, but compare what's included. A lower price may mean a higher deductible, no Acts of Nature, or lower third party limits.

Related guides

Sources

  1. Life and non-life companies, Insurance CommissionAccessed
  2. Annex A, standard private motor vehicle policy, Insurance CommissionAccessed
  3. Circular Letter No. 2020-92, documents for motor vehicle claims, UP Law Center copyAccessed
  4. Schedule of rates for motor car (motor car tariff, rates as of 1 January 2015), Insurance CommissionAccessed
  5. AutoMaster, Malayan Insurance(provider page) Accessed
  6. What do you want to protect? Product list, Oona Insurance(provider page) Accessed
  7. Vehicle Insurance, GCash GInsure(provider page) Accessed