Car insurance

In 2026, the best car insurance in Belgium for most drivers is Ethias, thanks to its no-excess mini-omnium, 24/7 assistance and the YouDrive programme that rewards young drivers. AG follows closely with the most complete coverage and a bonus-malus locked for life at the lowest level, while Belfius Direct (formerly Corona Direct) and Yuzzu push prices down for low-mileage drivers. There is, however, no single 'cheapest' car insurance: your premium depends on your age, vehicle, postcode, bonus-malus and annual mileage. This ranking compares six insurers active on the Belgian market on premium, coverage breadth, excess, assistance and claims handling, to help you pick the policy that truly protects you — not just the cheapest one on paper.