Getting a car insurance quote online in Ireland is easier when you know what details to have ready. The form may take only a few minutes, but the price is useful only when you understand the cover behind it. This guide explains the quote process, the cover choices and the details that can affect your premium.
It is for drivers in the Republic of Ireland getting a quote for the first time or reviewing cover before renewal.
In short
- Have your licence, driver and vehicle details ready before you start.
- Declare any no claims bonus, claims, convictions or penalty points accurately. If you have no bonus yet, say so.
- Compare third party only, third party fire and theft, and comprehensive cover. Read the excess, limits and exclusions for each quote.
- The price depends on the drivers, car, address and use of the vehicle.
- Review your cover at renewal and compare quotes before accepting one.
Navigating car insurance online quotes and cover options
An online quote asks for your personal, driving and vehicle details. Accurate answers help the insurer assess the risk and give you the right terms. You will typically need:
- Your details. Name, date of birth, address and occupation.
- Your licence. The type of licence and how long you have held it. Keep your driver number to hand, along with the numbers of any named drivers. These are required when taking out or renewing motor insurance.
- The vehicle. Make, model, year, registration and where it is kept.
- Your driving history and use. Any no claims bonus, claims or penalty points, plus your expected annual mileage and how you use the car.
You can then compare cover. Third party only is the legal minimum and covers your liability for injury or damage to others. Third party, fire and theft adds cover for your car if it is stolen or damaged by fire. Comprehensive also covers damage to your own car after an accident. Read the policy documents for the excess, limits and exclusions. Two quotes with similar prices can offer different benefits.
At renewal, check whether the car, mileage, drivers or your circumstances have changed. Motor insurers must send a renewal notice at least 20 working days before the policy ends, giving you time to review and compare. See the CCPC's renewal guidance. You can request an AA car insurance quote online.
Understanding car insurance pricing
The Central Bank of Ireland's National Claims Information Database reported an average written private motor premium of €655 in the first half of 2025. That describes policies sold across the market during that period. Your own quote could be higher or lower. The Central Bank's report gives the underlying figures.
Insurers consider factors such as:
- Driver age and experience. Licence type, years of driving and who else will drive the car.
- The vehicle. Its make, model, performance and value.
- Location. Your address and where the car is normally kept.
- Driving and claims history. Previous claims, penalty points and any no claims bonus.
- Use. Expected mileage and whether the car is used for commuting, social driving or business.
Payment method can affect the total amount you pay. AA Ireland charges a Direct Debit service fee for monthly car insurance payments, so compare the full annual cost rather than only the monthly instalment. The amount and terms are shown in the AA payment information.
New drivers may receive different prices and cover options because they have less driving history. AA Young Driver Car Insurance is aimed at drivers aged 17 to 24, subject to the insurer's acceptance criteria. Compare quotes for your own details, choose a car you can afford to insure and build a claims-free record over time.
Ready to get a car insurance quote?
Start an AA car insurance quote with your own driver and vehicle details, then compare the policy terms before buying.
