What is the best car insurance in France?
There are many car insurance companies in France. Choosing the right one depends on several criteria, the most important being: price, coverage, and whether you prefer a local agency or a fully online subscription.
Here are a few examples: Allianz, Maaf, Macif, Abeille Assurances…
We generally advise against taking out car insurance with your bank, as the rates are often much higher (the same goes for mortgage insurance).
Another important factor for English-speaking clients is being able to communicate easily in your own language. Not all insurance companies in France offer customer service in English. On our website, our partner agency Allianz specializes in assisting English-speaking clients living in France. This agency can provide advice and clearly explain the main differences between insurance systems in the UK and France.
In France, you can cancel your car insurance for free after one year if you’re not satisfied (your new insurer usually handles the cancellation process for you, saving you time and administrative hassle).
Below is a comparison of prices and coverage from three insurance companies: Allianz, Maaf, and Macif.
Real example:
Citroën C3 II 1.2 E-VTI 82 Exclusive ETG 4 CV
Registration date: 05/04/2016
Parking: in a private garden or closed courtyard
Vehicle use: personal and professional travel
No-claims discount / penalty system (“bonus/malus”): 0.50
Male, 35 years old
No accidents in the past 36 months
| ALLIANZ C3 Level Plan |
MAAF Comprehensive Comfort Plan |
MACIF Protective Plan |
|
|---|---|---|---|
| Type of Agency | Online or local | Online or local | Online or local |
| Liability, Legal Protection Following an Accident | ✔ | ✔ | ✔ |
| Driver Coverage | €500,000, with a 15% disability threshold | In case of injury: payment of a lump sum for permanent disability up to €1,000,000 | It was impossible to obtain a clear answer about the coverage amounts during our call, and nothing is indicated on the car insurance quote |
| Glass Breakage | Replacement: €49 deductible
Repair: €14 deductible |
Windshield Breakage: the deductible applies for both repair and replacement, €300 | Glass Breakage: no deductible applies in case of repair.
Replacement: €60 deductible Repair: no deductible |
| Natural Disasters | €380 (mandatory deductible) | €380 (mandatory deductible) | €380 (mandatory deductible) |
| Technological Disasters | No deductible | - | No deductible |
| Theft, Fire – Natural Forces, Terrorist Attacks | €269 deductible | €300 deductible | €250 deductible |
| All-Accident Damage | €269 deductible | €300 deductible | €250 deductible |
| Driver License Protection | ✔ | - | - |
| 0 km Roadside Assistance | ✔ | ✔ | ✔ |
| Mileage Package | Less than 7,000 kilometers = -10% per year | Less than 8,000 kilometers = -10% per year | No (otherwise the limit is 5,000 km) |
| Monthly Premium | €30.94 incl. tax
Monthly payment without fees
Or per insurance year: €377.18 incl. tax |
Monthly payment fees: 4% Or per insurance year: €496.53 incl. tax, i.e., €41.37/month |
Monthly payment fees: 2.2% Or per insurance year: €467.28 incl. tax |
| Customer experience during the quote | Fast, responsive, clear quote | Fast, responsive, quote incomplete, particularly regarding deductibles | Quote difficult to read, missing information on driver coverage, required creating a personal account to see the driver compensation amounts (the site had a bug and it was impossible to access the amounts). No precise answer was given during the call regarding driver coverage |
| Current Offer | 1 month free at subscription and 1 month free in the first month of the second year | €100 offered at the subscription of a new contract | none |
Given this comparison, Allianz is better positioned in terms of price while offering good coverage. Additionally, the customer experience was better. The Allianz car insurance quote was provided by the Allianz Andouard agency, a partner of our website. You can request your car insurance quote online through our site.
If you compare different insurance companies, you will notice that it is not easy to compare the various quotes, and it takes quite some time!
French car insurance
Get a discounted car insurance rate with Allianz:
Welcome Offer !
2 months free on your new contract! (instead of 1 month)
