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Looking to get car insurance in Sweden that matches your specific style on the road? We’ve gathered a lot of useful information together with a comparison overview of some 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 car insurance come with no binding time and benefits such as 24/7 roadside assistance, the freedom to choose your repair shop, and smooth claims handling directly via the Hedvig app. A huge bonus for newcomers in Sweden is that Hedvig, in contrast to other companies, have their website and app available in English!
Dina Försäkringar won the award for Most Satisfied Customers in the Swedish insurance market survey 2024 (SKI). They offer customizable car insurances with flexible terms. Another great thing with Dina Försäkringar is that they have a one-pager explaining their car insurance in English - perfect for newcomers in Sweden!
Gofido car insurance plans have no binding time, they are fully digital in both the sign up, cancellations and claims handling, and offer competitive pricing for traffic, partial and full car insurance. All-risks is available as an add-on if you wish to have further protection.
Sensor Insurance offer basic car insurance for traffic, partial and full coverage, with the possibility to customize your policy with various add-ons. You choose your deductible, get personal assistance and service, and Sensor also provides the option of getting personal advise over a phone call with one of their experts, if you have questions before signing up.
OKQ8 is for most best known for its large network of road service stations, but expanded into car insurance in 2020 through a partnership with Gjensidige. Customers who sign up for OKQ8 car insurance can benefit from discounts on other products and services, like fuel.
Having car insurance is mandatory to drive legally in Sweden, ensuring that all vehicles on Swedish roads are properly insured. In fact; you need to have the basic level of car insurance from the first day of owning a car, even if you're not ready to take it out for a spin just yet. If you’re looking to buy, lease, or own a car by any other means in Sweden - car insurance is a must! 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). In addition, you can sign up for 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 safeguard for you. 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. Make sure to properly compare your options, find the car insurance that best matches your needs, and sign up for the right coverage.
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 also 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, and these add-ons could give you extra coverage for things like reduced deductibles for certain damages. In our table below, you'll find 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 2025-01-07. 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.
Before signing up for car insurance in Sweden, there are a few things to keep in mind that will make your comparison easier. Here are some key factors:
Learn more about car insurance companies, plans and coverage. Compare based on your specific needs and preferences.
Choose the car insurance company and plan that best matches your requirements.
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 2025-01-07, 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 choose from, each with its own pros and cons. In our research, we don’t just look at the car insurance policies and terms — we also focus on how "friendly" they are for newcomers in Sweden. Whether they offer an English website, app, or customer service in English could be important factors in what we consider a newcomer-sutiable option.
Finding the best car insurance in Sweden usually comes down to your own needs and preferences. Sure, asking a friend or browsing reviews 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 your decision.
As a newcomer in Sweden, it's for most a major bonus if you can actually understand the differences in terms between insurance companies and plans. Most Swedish car insurance companies are quite bad at offering info and terms in English, but there are some insurance companies that provide their website, app, and/or customer support in English.
Notice: This table was published by settled.se on 2025-01-07, with available information from each car insurance company. The table doesn't include all available car insurance companies in Sweden.
Binding time for car insurance in Sweden varies between car insurance providers. 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 a car insurance policy in Sweden 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.
Notice: This table was published by settled.se on 2025-01-07, 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 newcomer-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.
We’ve gone through online ratings and reviews and summarized the average ratings 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 2025-01-07, 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 external sources are from actual customers.
Hedvig also scores high in Konsumenternas content comparison, together with Dina Försäkringar.
Simply put, don’t do this! As mentioned earlier, it’s a legal requirement in Sweden to have valid car insurance, so you might face legal charges. You must have at least the most basic third-party liability insurance/traffic insurance coverage from the first day of owning a 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 2025-01-07, 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.
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