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Looking for the best car insurance in Sweden for you matching your specific style on the road (or the garage)? We’ve done a lot of the digging for you, and gathered useful information together with a comparison overview of some of the most popular car insurance companies in Sweden. Buckle up!
Tip! Check out our article How To Sign Up For Car Insurance in Sweden: Step-By-Step covering all the steps involved in the process of signing up for car insurance in Sweden.
Hedvig offers a flexible car insurance policy with no binding period, providing comprehensive protection for all your vehicle needs. Enjoy benefits such as 24/7 roadside assistance, the freedom to choose your repair shop, and swift help directly via the Hedvig app. A huge bonus for newcomers in Sweden is that Hedvig, in contrast to other companies, have their website available in English!
Gofido is a newly established Swedish insurance broker founded in 2019, focusing primarily on home insurance and car insurance. Gofido aims to provide a more transparent and customer-centric insurance experience, helping customers avoid unnecessary costs and ensure that customers are neither over-insured or under-insured.
Sensor Insurance offer car insurance with a solid basic coverage, with the possibility to customize your coverage with various add-ons. You get to choose your deductible, get personal assistance and service, and Sensor also provides the option of getting personal advise from one of their experts, if you have questions before signing up.
Best known for its large network of road service stations, OKQ8 expanded into car insurance in 2020 through a partnership with Gjensidige. With years of experience in road and mobility services, OKQ8 is a reliable choice for car insurance in Sweden. Customers who sign up for OKQ8 car insurance can also benefit from discounts on other products and services, like fuel.
Länsförsäkringar is a customer-owned insurance company that has been a prominent actor in the Swedish insurance market since its founding in 1801. With close to 4 million customers, Länsförsäkringar is one of the largest and most established insurance companies in Sweden.
ICA Car Insurance, part of ICA Insurance and the ICA Group, provides a range of car insurance options with great coverage. Known for its customer-friendly policies and fair pricing, ICA Car Insurance ensures that you are well-protected on the road.
In Sweden, having car insurance is mandatory to drive legally, ensuring that all vehicles on Swedish roads are properly insured. If you’re looking to buy, lease, or own a car by any other means, and want to make the best use of it by taking it for a spin on the roads, car insurance is a must! In fact; you need to have the basic level of car insurance from the first day of owning a car.
As a newcomer in Sweden, understanding the differences between various car insurance companies and coverage plans might seem tricky. But no worries - that’s why we're here to help, ready to guide you through all you need to know.
In Sweden, having car insurance is a legal requirement. You need to at least have the basic coverage, called Trafikförsäkring, and your coverage should start on the first day of owning your car.
The most basic option of car insurance in Sweden is Third-party Liability Insurance, also called Traffic Insurance ("Trafikförsäkring" in Swedish). This can be supplemented with either Partial Coverage Insurance ("Halvförsäkring") or Comprehensive Coverage Insurance ("Helförsäkring").
Having the right car insurance is not just a legal obligation in Sweden, but also a financial safeguard for you personally. Regardless of if you drive your sedan like a nervous dad with kids in the backseat, your shiny new sports car like Lewis Hamilton, or your crappy station wagon like Clark Griswold - it's wise to have the right car insurance that matches your style on the road. It’s also wise to compare your options, find the car insurance that best matches your needs, and sign up for coverage before you hit the road. On settled.se, you'll find Swedish car insurance companies with just the right coverage for you and your vehicle.
Basic traffic car insurance in Sweden includes the mandatory third-party liability coverage, which covers personal injuries and property damage caused by your car. If you want protection for damage to your own car, you’ll need either a partial or full coverage policy. Most car insurance plans are pretty similar in structure, and what sets them apart is mainly how they handle different types of claims. You can also add optional extras on top, and these add-ons could give you extra coverage for things like rental car coverage or reduced deductibles for certain damages. In our table below, we go through the usual content differences between Traffic Car Insurance, Partial Car Insurance and Comprehensive Car Insurance.
Notice: This table of car insurance content was created by settled.se on 2024-12-03. It is not a detailed list of all car insurance content in Sweden, and the actual content and specific terms may vary between car insurance providers. Content in the table marked with * indicates that it's not always included as part of the insurance. You always need to check the specific terms, and Settled.se cannot be held responsible for any inaccuracies.
The fast lane to finding and comparing popular car insurance companies in Sweden is to... keep reading. At settled.se, we’ve gone the extra mile so you can take the passenger seat and easily compare car insurance companies tailored to your car, needs and preferences.
When checking out our list of car insurance companies in Sweden, there are a few things to keep in mind that will make your comparison and assessment easier. Here are some factors to have in mind:
Learn more about various car insurances, coverage, and companies. Compare based on your specific needs and preferences.
Once done with your comparison, select the car insurance company that best matches your requirements.
Proceed to sign up with the insurance company. Review the price and other details on the company's site and sign up for your contract.
To get a clearer overview of some of the main content of various car insurance companies in Sweden, we've created a brief summary in the table below. For more details, scroll up to the comparison list at the top of the page, read up and proceed to the car insurance companies websites.
Notice: This comparison was created by settled.se on 2024-12-03, based on publicly available information from each insurance company. It is not an exhaustive list of all car insurance companies in Sweden, and the content and terms of the listed companies may have changed. Settled.se cannot be held responsible for any inaccuracies.
Choosing the right car insurance in Sweden can be tricky with so many companies and plans to pick from, each with its own pros and cons. When we do our research, we don’t just look at the car insurance policies and temrs — we also focus on how friendly they are for newcomers in Sweden. Whether they offer an English website, app, or customer service in English are big factors in what we consider.
At the end of the day, finding the best car insurance in Sweden comes down to your own needs and preferences. Sure, asking a friend or browsing online can give you some great pointers, but it’s crucial to focus on what suits you. Take a good look at your personal situation, the plans available, and what kind of coverage you actually need before making a decision.
Check out our car insurance comparison at the top of the page, dive into the highlights below, and think about what you need — and you’ll be well on your way to finding the provider and car insurance plan that’s right for you.
When looking for car insurances in Sweden, it's of course a major bonus for foreigners and newcomers in Sweden if you can actually understand the differences between companies, plans and terms. That's one of the main reasons why we're here to help, but there are also some Swedish car insurance companies that provide their website, app, and/or customer support in English.
Notice: This table was published by settled.se on 2024-12-03, with available information from each car insurance company. The table doesn't include all available car insurance companies in Sweden.
Binding time is a policy term that varies between car insurance providers in Sweden. Typically, car insurance runs for a 365-day period and renews automatically each year. If you still have binding time left, you cannot cancel or switch to another provider. The only time you can cancel an insurance policy with binding time is on the 'Huvudförfallodag' — the last day of your current term. About 30-45 days before this date, you're free to request to switch or cancel, with changes taking effect on the final day of your term.
One exception that allows cancellation during binding time is if you sell your car and no longer need insurance. In that case, you can contact your provider to cancel. For companies without binding time, like Hedvig, you're free to cancel at any time – a much appreciated flexibility among customers.
Notice: This table was published by settled.se on 2024-12-03, with available information from each car insurance company. The table doesn't include all available car insurance companies in Sweden, and the terms may have changed since the publication.
From a foreigner-in-Sweden perspective, Hedvig stands out in our research. Their website and top-rated app are both available in English, but you’ll need a Swedish Personal Number and BankID to sign up for Hedvig’s car insurance.
Checking out ratings from customers, along with reviews from independent comparison sites, can help you decide which car insurance company and plan to go for. We’ve summed up the ratings from various source of some popular car insurance companies in Sweden in the table below.
Notice: This summary of average ratings for car insurance companies was put together by settled.se on 2024-12-03, using available data from Trustpilot, Konsumenternas, the App Store, and Google Play Store. Traffic, Partial, and Full scores are from Konsumenternas. Settled.se can not guarantee that the ratings and reviews from these sources are from actual customers.
Hedvig has a very solid 4.2/5 customer satisfaction score on Trustpilot (~2900 reviews), and the Hedvig app has a 4.3/5 score in the App Store & 4.6/5 in Google Play Store. Gofido is also highly rated with 4.3/5 on Trustpilot, as well as ICA Insurance with 3.8/5.
ICA Car Insurance is top-rated in Konsumenternas comparison of Traffic, Partial and Full coverage plans. Both Hedvig and Länsförsäkringar also have high scores.
Simply put, don’t do this! You risk hefty fines and as mentioned earlier, it’s a legal requirement in Sweden to have valid car insurance, so you might face additional legal charges. It's important to know that you must have at least third-party liability insurance/traffic insurance coverage from the first day you own the car. Be smart and don't risk starting your new life in Sweden on the wrong side of the law.
If you don't sign up for car insurance from the first day of you owning a car, as per the Swedish legal requirement, you will have to pay a daily (!) fee to Swedish Motor Insurers (TFF) of around €18 (180 SEK), for each day that your car is uninsured. In order to avoid this fee, make sure to have your car insurance in place from day one of your car ownership.
You cannot legally own a car in Sweden without either a Swedish Personal Identity Number ("Personnummer") or a Coordination Number ("Samordningsnummer"). However, with some car insurance companies, you can sign up for the basic car insurance, third-party liability insurance/traffic insurance ("Trafikförsäkring"), without a Swedish Personal Identity Number or Coordination Number.
But wait? How does that add up? I can get a car insurance in Sweden without a personnummer, but I can't legally own a car without a personnummer? How can I get insurance for a car that I don't legally own myself? The answer is quite simple, as there are various other ways besides owning a car where you could need a car insurance:
Leasing a car: You might lease a car rather than own it. Car leases in Sweden may not require you to register the vehicle with a personnummer, but you still need to have insurance for the car while you are driving it. In this case, you can arrange for basic insurance even if the car is not registered in your name.
Short-term or temporary use: You might be renting a car or borrowing one from someone else. Even if the car isn't legally owned by you, some situations may require you to have your own insurance, especially for long-term rentals or specialized arrangements.
Preparing for ownership: If you are in the process of buying a car but are waiting for your Personnummer or Samordningsnummer, you might arrange insurance in advance so you can legally drive the car as soon as ownership is transferred. In Sweden, cars must have insurance from the moment they are on the road, even if the administrative process isn't finalized.
To get additional car insurance coverage though, you will in most cases need a Swedish Personal Identity Number or Coordination Number.
Most car insurance companies in Sweden require a Swedish Personal Number and Mobile BankID to sign up online. As mentioned earlier, some providers may allow you to sign up without a Swedish Personal Number, but you'll need to call them to explain your situation and explore your options. In the table below, we’ve outlined the general requirements to sign up online for some popular car insurance companies in Sweden.
Notice: This table was published by settled.se on 2024-12-03, with available information from each car insurance company. The table doesn't include all available car insurance companies in Sweden, and the requirements may have changed since the publication.
Compare Car InsurancesSettled.se is a free, independently operated information and comparison site dedicated to providing foreigners in Sweden with a transparent overview of various car insurance options and companies. We are here to make your transition to Sweden smoother and more informed.
