Car Insurance Estimator

CTPL (Compulsory Third-Party Liability) insurance is legally required to register any motor vehicle with the LTO. Comprehensive insurance — which also covers your own car against accident, theft, and acts of nature — is optional but strongly recommended, especially for newer or financed vehicles.

CTPL only covers bodily injury or death to a third party (someone else) caused by your vehicle. It doesn't pay to fix your car, doesn't cover theft, and doesn't cover the driver. Comprehensive adds own-damage cover, third-party property damage, acts of nature, theft, and usually personal accident for the driver and passengers.

Comprehensive premiums in 2026 are typically 1.8–2.5% of vehicle market value per year, with NCR rates running ~10% higher than the provinces. A ₱1M car in Metro Manila often lands around ₱22,000–₱28,000/year; a ₱600K car in Mindanao closer to ₱12,000–₱16,000. The estimator above gives a ballpark from these bands — your insurer's actual quote will depend on your driving history, vehicle make, and chosen add-ons.

Insurers price by claim frequency. Metro Manila has higher traffic density, theft incidence, and flood exposure than most provincial areas, so premiums are loaded ~10% higher. If you garage your vehicle outside NCR, mention it when getting a quote — some insurers offer a small discount.

Comprehensive coverage is generally unavailable for vehicles older than 20 years from mainstream PH insurers. You'll typically be limited to CTPL (legally required) and may find some specialty insurers offering limited third-party property coverage. The estimator flags this case explicitly.

No. This tool returns an estimate from curated PH rate bands. For a binding quote, contact a licensed insurer directly — the partner CTAs below take you to quote forms from PH insurance comparison services. arcitools doesn't sell insurance; partner referrals help keep the calculators free.