Car insurance in Ghana has become a must-have for every responsible driver. Not only is it legally required, but it also offers financial protection against road accidents, theft, fire, and other unforeseen events. Whether you’re driving a brand-new SUV, a saloon car, or a commercial vehicle, having the right car insurance can save you from unexpected financial loss.
Here’s a list of the top car insurance companies in Ghana in 2025 that are trusted for their reliability, fast claims processing, and excellent customer service.
1. Enterprise Insurance
Established: 1924
Head Office: Accra
Website: www.enterprisegroup.net
Enterprise Insurance is one of the oldest and most trusted insurance companies in Ghana. Their motor insurance packages cover third-party, third-party fire and theft, and comprehensive insurance. With a strong reputation and decades of experience, Enterprise offers a seamless claims process and roadside assistance services.
Why Choose Them?
- Prompt claims settlement
- Competitive premiums
- Online policy renewal
2. SIC Insurance Company Limited
Established: 1962
Head Office: Accra
Website: www.sic-gh.com
SIC Insurance is a government-backed insurance company known for offering affordable car insurance tailored for individual and corporate clients. Their motor insurance plans include:
- Third-party only
- Third-party fire and theft
- Comprehensive motor insurance
Perks:
- Access to mobile claims team
- Over 50 branch offices nationwide
- Flexible payment options
3. Hollard Insurance Ghana
Established: 1993 (Ghana operations since 2015)
Head Office: Ridge, Accra
Website: www.hollard.com.gh
Hollard Ghana provides innovative insurance products under its Motor 360 package. This includes comprehensive insurance, third-party only, and fire and theft coverage. Hollard is well-known for its digital claims process and client-first approach.
Notable Features:
- Free towing services
- Online policy purchase and claim submission
- Good customer support
4. Star Assurance
Established: 1984
Head Office: Accra
Website: www.starassurance.com
Star Assurance is a reputable Ghanaian insurance company offering tailored motor insurance solutions for private vehicles, taxis, and commercial transport. Their comprehensive insurance package covers own damage, third-party liability, theft, and fire.
Why They Stand Out:
- 24/7 customer support
- Extensive network of agents
- Quick turnaround time on claims
5. Allianz Insurance Ghana
Parent Company: Allianz Group (Germany)
Website: www.allianz-gh.com
Allianz Ghana offers a wide range of car insurance services with international standards. Their products include comprehensive, third-party, and fleet vehicle insurance. They’re known for their transparent pricing and world-class customer care.
Unique Offerings:
- Policy customisation
- Global reinsurance backing
- Fast and fair claims settlement
6. Glico General Insurance
Head Office: Accra
Website: www.glicogroup.com
Glico is a trusted name in Ghana’s insurance industry. Their auto insurance products are designed to protect both the driver and vehicle against damage and liabilities. They also offer optional add-ons like medical expenses and personal accident cover.
Key Benefits:
- Flexible premium payment plans
- Dedicated claims support teams
- Online policy tracking
7. Activa International Insurance
Affiliation: Globus Network
Website: www.activaghana.com
Activa Insurance provides both private and commercial motor insurance. Their offerings are known for international standards, as they are part of the Globus Network, giving clients regional and international insurance support.
What They Offer:
- Quick vehicle inspection services
- Corporate fleet insurance
- Multinational backing
8. Phoenix Insurance
Website: www.phoenixghana.com
Phoenix Insurance has built a solid reputation for offering reliable motor insurance in Ghana. Their comprehensive packages are affordable and suited for all vehicle owners—be it personal cars or business fleets.
Top Features:
- Efficient claims response
- Simple documentation
- SMS alert services
Why You Need Car Insurance in Ghana
- It’s a legal requirement: Driving without at least third-party car insurance is against Ghanaian law.
- Financial protection: Insurance helps cover damages, medical bills, and liabilities in case of an accident.
- Peace of mind: Knowing you’re covered lets you focus on your journey.
Tips for Choosing the Best Car Insurance in Ghana
- Compare premiums and coverage
- Read online reviews and testimonials
- Ask about claims processing time
- Check for added services like roadside assistance or towing
- Ensure the company is licensed by the National Insurance Commission (NIC)
Final Thoughts
Choosing the right car insurance company in Ghana is crucial for your safety, financial security, and peace of mind. Whether you’re a new car owner or renewing an existing policy, these top car insurance companies offer excellent options suited to your budget and lifestyle. Always remember to compare quotes and benefits before making a decision.
Ready to secure your car? Visit the official websites of these top car insurance companies in Ghana to get a free quote today.