Habanusantara.net, Car insurance has become a necessity in today’s fast-paced world. Whether you’re driving daily to work, traveling across cities, or simply ensuring your investment is well-protected, having the right insurance gives you peace of mind.
As we enter 2025, car insurance providers are offering more innovative, affordable, and flexible options than ever before. From quick digital claims to extra protection against natural disasters, the choices are increasingly tailored to meet modern needs.
However, with so many options available, choosing the best car insurance can be overwhelming. That’s why we’ve compiled this list of the 10 best car insurance recommendations for 2025 — so you can easily find one that matches your budget and needs.
Here are our top picks for the best car insurance this year!
1. Garda Oto – Best for Ease of Claims
Garda Oto, under Astra Insurance, remains a favorite among car owners. Its reputation for quick and easy claims makes it a reliable choice, especially for urban drivers. Through the Garda Mobile app, you can submit claims within minutes, track the repair status, and even get roadside assistance 24/7.
Premiums for all-risk coverage start from approximately IDR 2.8 million per year, with optional protection against floods and earthquakes. With a wide network of partner workshops across Indonesia, your repair needs are well-covered.
2. ACA Otomate – Comprehensive and Customizable
ACA Otomate offers comprehensive protection with the option to add benefits like vehicle replacement, towing, and car rental services during repairs. It’s especially known for its broad selection of additional protection, including coverage for personal accidents and third-party liabilities.
The all-risk insurance premium for ACA Otomate starts from around IDR 3.1 million per year. Their extensive garage network and smooth claims process make them a strong contender in 2025.
