Voluntary motor insurance
Thailand Car Insurance Calculator 2026 | Type 1, 2+ & 3+
Enter the vehicle and main-driver details once, then compare all five voluntary insurance classes side by side before requesting a binding quotation.
Start calculatingYour figures
Calculate your estimate
Adjust any field. The result updates immediately and stays on this device unless you choose to share it.
Indicative annual premium
—Enter your figures to see the estimate.
- Indicative insured value
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- Third-party property
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- Third-party bodily injury
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- Own-damage cover
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- Fire and theft
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- Flood cover
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| Class | Estimate | Own damage | Fire/theft |
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Estimates use the values entered and the methodology documented below. Check current provider or authority information before acting.
Method and limits
What this estimate means
The shared estimator applies reference rate factors for insurance class, vehicle group, vehicle age and driver age, subject to minimum premiums.
- Included
- Indicative voluntary policy premium and broad coverage characteristics.
- Not included
- Compulsory Por Ror Bor cover, insurer underwriting, claims history, named-driver terms, deductibles, repair basis and endorsements.
Before you decide
Use the result carefully
- 01
Use the live class comparison to identify the cover structure that matches the vehicle.
- 02
Compare policy wording, deductibles and authorised-repair terms, not only price.
- 03
Confirm flood, theft, named-driver and compulsory-cover conditions in the quotation.
Primary references
Official and authoritative sources
Formula assumptions are reviewed against these sources. A linked source may be available primarily in Thai.
Questions
Common questions
Is this an insurer quotation?
No. It is an independent estimate. Only the insurer or authorised intermediary can issue a binding quotation.
What is the difference between Type 1, Type 2+ and Type 3+?
Type 1 generally includes own damage, fire, theft and third-party cover. Type 2+ commonly covers collision with an identified vehicle plus fire, theft and third-party liability. Type 3+ usually covers identified-vehicle collision and third-party liability but not fire or theft. Exact wording varies by policy.
Is compulsory insurance included?
No. Thailand’s compulsory motor insurance is separate from the voluntary classes estimated here.