It’s not cheaper to drive without insurance in Saudi!
In Saudi Arabia, driving without insurance is a choice many people consider. The fine is just SAR 100-150 every 15 days—a yearly total of around SAR 2,400. This might seem cheaper than car insurance prices to some people, but this simple math is a trap. Here’s why choosing the fine over buying car insurance is a BIG, expensive mistake!
Car insurance feels expensive—but look at the numbers
The problem is that this “fine vs. insurance” comparison ignores the real costs and risks.
💥 You pay for all the damage you caused
No insurance means you are responsible for every single riyal of damage you cause in an accident.
- Hit another car? That repair bill could be SAR 30,000.
- Caused injuries? You’re paying the hospital bills.
- Worst case: if someone dies, the diyat (blood money) in Saudi Arabia can reach SAR 300,000—and you’d be fully responsible.
All takes is one car accident for car insurance prices in Saudi Arabia to look cheaper.
⚖️ Legal trouble & blocked Moroor services
If you can’t pay for the damage you caused to others, you can get into serious legal trouble. If you can’t afford to pay for others, they can take you to court. This means more time, more stress, and more money lost on legal fees.
On top of that, without valid vehicle insurance in Saudi Arabia you can’t renew Istimarah (your car registration) or transfer car ownership.
📈 More expensive car insurance prices later
Skipping insurance now can cost you more in the future. Why? Because you’ll lose your No-Claim Discount—a big price cut for drivers with continuous coverage and no accidents.
How to pay less for car insurance
Instead of avoiding insurance, there are smarter ways to save:
- Shop around: Prices vary a lot between companies—Save big when you compare car insurance prices online.
- Keep your driving record clean: Less accident = bigger Najm discounts = cheap car insurance prices in Saudi Arabia.
- Pick the right coverage: Third-Party Liability meets the law and costs much less than full coverage, especially for older or low-value cars.
Paying the fine might look cheaper today, but it exposes you to losing your money, legal trouble, and more expenses. Car insurance isn’t just a legal requirement—it protects your money, your time, and your peace of mind because even if you’re the best driver, you can never predict what other drivers might do!
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