An overview of the main car insurance providers in Luxembourg - their coverage, specialities, and what sets them apart.
Comparison last updated: August 2026, from the insurers’ public documentation. Our method: we review each insurer’s public offer documents, compare guarantees, options and exclusions, and summarise the differences that actually matter. We are independent and are not an insurer.
For a driver entering the bonus-malus scale at class 11, market prices observed in 2026 fall within these ranges. An excellent bonus (class −3) can halve the premium; a heavy malus can double it.
| Coverage | Observed range | What it covers |
|---|---|---|
| Third-party liability (RC, mandatory) | €30-50 / month | Damage you cause to third parties, the legal minimum to drive. |
| RC + partial casco (mini-casco) | €50-80 / month | Adds theft, fire, glass breakage, natural forces and animal collisions. |
| Full casco (omnium) | from €90-150+ / month | Also covers your own damage, even at fault, priced on the vehicle’s value. |
Indicative ranges observed in August 2026 on insurers’ public pricing tools and market guides. Your actual premium depends on your profile and the coverage you choose, request a personalised quote to get real figures.
Prices observed: August 2026 · Sources: LALUX easyPROTECT Auto · HelloSafe : assurance auto Luxembourg 2026
Car insurance (RC Auto) is mandatory in Luxembourg. The market is structured around three standard coverage tiers shared by all insurers: RC (third-party liability), Mini Casco (partial comprehensive), and Omnium (full comprehensive).
Luxembourg uses a universal bonus-malus system that applies across all providers, your driving record follows you regardless of which insurer you choose. Multilingual claims handling is standard across all four major players, reflecting Luxembourg’s cross-border workforce.
In Luxembourg, only third-party liability (RC) is legally required. The real choice is therefore about damage cover: partial casco (fire, theft, glass breakage, natural forces, animal collision) and full casco or omnium, which adds damage to your own vehicle even in an at-fault accident.
A decisive feature of the Luxembourg market: the bonus-malus scale is set by regulation and identical across all insurers. It has 25 degrees, from −3 (45% of the premium) to 22 (250%); you start at degree 11 (100%), gain one degree per claim-free year and fall back three degrees per at-fault claim. Your record follows you from insurer to insurer, which is why bonus protection options have become the main differentiator: LALUX’s “Bonus-Malus Joker” (first claim neutralised after 3 claim-free years on the Comfort tier, bonus fully protected on Performance), Baloise’s Indemnification pack, and equivalent options at Foyer and AXA.
Each insurer then structures its offer differently: Foyer separates mobilé (modular, 9 options, replacement vehicle from 5 to 60 days) from moov (an accessible formula aimed at young drivers and second-hand cars); LALUX offers easyPROTECT Auto in three tiers (Security, Comfort, Performance); AXA’s OptiDrive comes as Active, Active + Mini Casco and Privilège, with a pay-per-kilometre formula under 7,000 km/year and a reduced premium for hybrid and electric vehicles; Baloise includes driver protection as standard in its Drive formulas (Essentielle and Intégrale) and discounts bundled car + home contracts in the first year.
The scale is set by the Grand-Ducal Regulation of 11 November 2003 (amended 29 March 2024) and applies to liability cover at every insurer: each degree is a percentage of the reference premium, a claim-free year earns one degree, an at-fault claim costs three. Starting from our observed range at degree 11 (€30 to €50/month, August 2026), here are the orders of magnitude at the three official anchor points:
| Profile | Degree | Coefficient | Liability only, estimate |
|---|---|---|---|
| Maximum bonus (14 claim-free years or more) | −3 | 45% | €14 to €23/month |
| Entry point (new driver, newcomer) | 11 | 100% | €30 to €50/month |
| Maximum malus | 22 | 250% | €75 to €125/month |
Estimate = degree-11 range × the degree’s coefficient; the real premium also depends on the vehicle, usage and options. Intermediate coefficients are listed in the Grand-Ducal Regulation. Casco is not concerned: each insurer applies its own scale there.
| Guarantee | Foyer | LALUX | AXA | Baloise |
|---|---|---|---|---|
| Formulas | mobilé (modular), moov (young drivers, second-hand) | easyPROTECT Auto: Security, Comfort, Performance | OptiDrive: Active, Active + Mini Casco, Privilège | Drive: Essentielle, Intégrale |
| Bonus protection | optional | Joker on Comfort (after 3 claim-free years), bonus protected on Performance | optional | Indemnification pack |
| Driver protection | optional | optional | optional | included as standard |
| Replacement vehicle | 5 to 60 days depending on option | depending on tier | depending on tier | depending on tier |
| Pay-per-kilometre | n/a | n/a | yes, under 7,000 km/year | n/a |
| Electric and hybrid | n/a | discounts, battery and cable cover | reduced premium, battery and cable cover | n/a |
| New-value cover (new vehicle) | n/a | 3 years | 3 years | n/a |
| Car + home advantage | n/a | n/a | n/a | yes, in the first year |
Summary of the insurers’ public documentation (August 2026); n/a = not stated in the terms we consulted. Exact guarantees depend on the formula chosen.
There is no regulatory “young driver surcharge” in Luxembourg: every new driver starts at bonus-malus degree 11 (100%), and the base premium then reflects your profile (age, licence seniority, vehicle). Three levers bring the bill down: a starter-friendly formula such as Foyer’s moov, designed for young drivers and second-hand cars; AXA’s pay-per-kilometre cover if you stay under 7,000 km/year; and, on a first second-hand car, liability + partial casco rather than omnium, which rarely pays off beyond a few years of vehicle age. At degree 11, standalone liability is observed between €30 and €50/month (August 2026 survey, see our price table), and every claim-free year then earns you one degree. Guarantee details are on our car insurance page; and if you have just arrived, our new arrivals guide covers SNCA registration and how your foreign record is taken into account.
For Luxembourg’s 233,000 cross-border commuters the rule is simple: the vehicle is registered and insured in the country of residence. Commuting from Thionville, Arlon or Trier, you stay with an insurer at home, keeping your national no-claims record. Luxembourg insurance only becomes necessary if you move to the Grand Duchy (SNCA registration): your foreign claims statement is then generally taken into account for your entry on the bonus-malus scale, assessed case by case. Notable exception: company and lease cars provided by Luxembourg employers are registered in Luxembourg and covered by a Luxembourg policy.
No. The bonus-malus scale is set by Luxembourg regulation and applies identically at every insurer. Your current degree appears on your claims statement (relevé d’informations) and automatically follows you when you change company.
Partial casco covers events you suffer: fire, theft, glass breakage, natural forces and animal collisions. Omnium (full casco) adds damage to your own vehicle, including at-fault accidents. For a recent or financed vehicle, omnium is generally recommended.
Without a Luxembourg record you enter the scale at degree 11, i.e. 100% of the reference premium. Some insurers offer formulas designed for this profile (such as Foyer’s moov), and a documented foreign driving record can sometimes be taken into account, it is negotiated case by case.
There is no absolute “best” insurer: the bonus-malus scale is regulated and identical everywhere, so everything comes down to your profile and cover. Foyer stands out for its network and young-driver formulas, LALUX for bonus protection (Joker), AXA and Baloise for their compensation packs. The most reliable approach is to compare all four with equal cover, which is exactly what this page does.
For minimum cover (third-party only), expect roughly €30-50/month at bonus-malus degree 11 (observed August 2026, see our price table). Your exact premium mostly depends on your bonus degree, vehicle and age. Beware: the cheapest sticker price is not always the cheapest after a claim, compare deductibles and bonus protection too.
Tell us about your vehicle and driving profile. We'll compare the offers from Luxembourg's leading insurers and find the best coverage for you.
Tell us a bit about your needs: a licensed Luxembourg-based partner broker will send you a personalised proposal in less than 24 hours.
