Third-party liability (RC) is the only compulsory car insurance in Belgium. For comparable cover, the gap between the cheapest and the most expensive insurer in this ranking exceeds €350 a year — more than double. Here are the Belgian insurers ranked by real RC premium.
€270 / year
Best for ING customers who want the cheapest third-party cover on the market
The lowest RC rate recorded in Belgium, assistance included. Downside: no replacement car, and the rate targets bank customers.
Pros
Cons
Source: CallMePower · 10 June 2026 · Official site
€307 / year
Best for low-mileage drivers who want a major insurer
Second cheapest and the first generalist insurer in the ranking. Its low-mileage discount (up to −20%) can push it ahead of ING if you drive little.
Pros
Cons
Source: CallMePower · 10 June 2026 · Official site
€320 / year
Best for drivers who cover very few kilometres
Third on the base rate. Its real strength lies elsewhere: up to −40% for low-mileage drivers, the most generous discount on the Belgian market.
Pros
Cons
Source: CallMePower · 10 June 2026 · Official site
€391 / year
Best for drivers who want a replacement car included
Pricier than the top three, but the only one to include both assistance AND a replacement car. Its pay-per-kilometre plan is unique in Belgium.
Pros
Cons
Source: CallMePower · 10 June 2026 · Official site
€406 / year
Best for electric vehicle owners
The base rate is not its strong point, but Ethias remains Belgium's benchmark direct insurer: assistance and replacement car included, −20% in year one (−30% for an electric vehicle).
Pros
Cons
Source: CallMePower · 10 June 2026 · Official site
€423 / year
Best for cars fitted with driver-assistance systems
Expensive on bare RC, but Allianz stacks structural discounts: −10% driver aids, −4% Green Bonus, −10% Top repairer. On full omnium it climbs back into the top three.
Pros
Cons
Source: CallMePower · 10 June 2026 · Official site
€423 / year
Best for KBC customers bundling their policies
Level with Allianz on RC. Mainly of interest if you already bank with KBC and bundle several policies — on the bare rate it does not stand out.
Pros
Cons
Source: CallMePower · 10 June 2026 · Official site
€628 / year
Best for profiles refused elsewhere (multi-insurer broker)
The most expensive on RC, but Yago is not an insurer: it is an online broker placing your file with several companies. Useful when direct insurers turn you down.
Pros
Cons
Source: CallMePower · 10 June 2026 · Official site
| # | Insurer | Premium / year | Best for |
|---|---|---|---|
| 1 | ING | €270 | ING customers who want the cheapest third-party cover on the market |
| 2 | AXA | €307 | low-mileage drivers who want a major insurer |
| 3 | Yuzzu (ex-Touring) | €320 | drivers who cover very few kilometres |
| 4 | Belfius Direct (ex-Corona) | €391 | drivers who want a replacement car included |
| 5 | Ethias | €406 | electric vehicle owners |
| 6 | Allianz | €423 | cars fitted with driver-assistance systems |
| 7 | KBC Brussels | €423 | KBC customers bundling their policies |
| 8 | Yago | €628 | profiles refused elsewhere (multi-insurer broker) |
Methodology
Reference profile: experienced driver, petrol Citroën C3, ~10,000 km/year, no claims, resident in Belgium.
Ranked by increasing annual RC premium, based on rates published on the insurers' own websites and compiled by CallMePower (Selectra) in its Belgian car insurance comparison. No premium is estimated or extrapolated: an insurer with no published rate is excluded from the priced ranking. Non-exhaustive selection of the Belgian market. No insurer affiliate links.
Sources
For the reference profile, ING is cheapest at €270/year, ahead of AXA (€307) and Yuzzu (€320). This ranking assumes an experienced, claim-free driver. Your real rate depends on your bonus-malus, your car and your municipality — simulate it before committing.
Legally, yes: RC is the only compulsory cover. It pays for damage you cause to others, but not for your own car. On a vehicle older than 6 years or of low value it remains the rational choice; on a recent car, a mini-omnium or full omnium is worth it.
Each insurer prices its own way (age, licence seniority, engine power, postcode, bonus-malus, mileage). For an identical profile the gap exceeds €350/year on RC alone. That is why comparing before signing is the single most profitable move.
Yes, significantly. Yuzzu grants up to −40% to low-mileage drivers and AXA up to −20%. Belfius Direct also offers a pay-per-kilometre plan. Below 10,000 km/year these discounts can reorder the ranking for your profile.