Car insurance, explained
Car and Motorcycle Insurance Guides for Filipinos
Plain guides to car and motorcycle insurance in the Philippines: CTPL, comprehensive cover, official rates, where to buy, LTO renewal and claims.
Facts checked
Quick answer
- CTPL is required to register or renew any vehicle. The official IMC 4-2006 total is P560 a year for a private car and P250 for a motorcycle.
- CTPL only covers death or bodily injury to other people. Your own car, theft and property damage need comprehensive cover.
- Buy only from insurers licensed by the Insurance Commission, and make sure you get a Confirmation of Cover the LTO can verify.
Bagong kotse, renewal sa LTO, o unang motor? Car insurance in the Philippines comes with rules from the Insurance Code, the Insurance Commission and the LTO, and a lot of the numbers you see online are old. We wrote these guides so you can understand what's required, what's optional, and what you'll actually pay.
Every guide uses official sources first, like the Insurance Code, Insurance Commission circulars and LTO memoranda, and each one shows the date we checked the facts. We last checked everything on this page on 28 October 2026.
AutoInsurance.ph is an independent guide run by Dominet BV. We're not an insurer, agent or broker, and we don't sell policies or give personal prices. Some links on this site may be affiliate links, which means we may earn a commission if you buy through them. Local insurers we mention may not pay us anything. That never changes what we write. Read our affiliate disclosure. The insurer decides on your claim, and the LTO decides on your registration.
CTPL, the compulsory cover
- CTPL insurance in the Philippines: what it covers since the 2024 benefit increase, the official rates, and how claims work.
- Where to buy CTPL: insurers, pawnshops and apps, with prices as listed and how to spot a fake.
- How to renew your car insurance and LTO registration: the COC, the schedule, and the 2026 registration extension.
Costs and comparing
- Magkano ang insurance ng sasakyan?: mabilis na sagot sa CTPL, comprehensive at motor.
- How much car insurance costs: official rates, the tariff, and a worked example.
- Comprehensive vs CTPL: what each one covers and how to choose.
- Best car insurance in the Philippines: how to choose: a checklist, and what four insurers publish.
Motorcycles
- Motorcycle insurance in the Philippines: CTPL prices, comprehensive rates, and who counts as a third party.
When something happens
- How to use your car insurance: what to do after an accident, claim documents, deductibles, depreciation and Acts of Nature.
Three things every vehicle owner should know
1. CTPL is the law. Section 387 of the Insurance Code makes it unlawful to use a motor vehicle on public highways without compulsory insurance, and Section 389 stops the LTO from registering or renewing without proof of it.
2. CTPL has limits. Since 24 March 2024, under IMC 2024-01, it covers up to P200,000 per person for death or bodily injury, with a P30,000 no-fault indemnity. It doesn't cover your car, other cars or property.
3. Check the insurer. Section 390 says the policy must come from a company authorized by the Insurance Commissioner. You can check the Insurance Commission's list of licensed non-life companies before you buy.
How we work
We're an independent guide. We read the law, the Insurance Commission's circulars and insurers' own pages, and we date every price we show. We don't rank insurers we haven't tested, we don't give personal prices, and we don't arrange policies.
Insurance in the Philippines is regulated by the Insurance Commission. We are not licensed by the Insurance Commission and we do not sell, quote or arrange insurance. Always read the policy wording from the insurer before you buy.