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Car Insurance in Italy

Keep your Car Protected in Italy

If you are relocating to Italy and need expat car or motorcycle insurance, you’ll be able to travel around Italy without a worry with our customizable coverage including:

  • Physical Damage insurance (PD)
  • Local Third-Party Liability protection (TPL)

Our auto insurance plans allow us to cover any vehicle with an Italian license plate. And our growing number of offices overseas allows for direct, in-person support when you need it most.


U.S. Military members and Diplomats in Italy, take advantage of our Military & Diplomats discount!


In partnership with GEICO Financial Services GmbH.
Backpacker takes a stroll down a scenic Italian brick road lined with vehicles.

Physical Damage Policy

Your Physical Damage policy protects your vehicle against collision, theft and damage, even political violence. Coverage includes:

Protection against collision, theft, any damage that happens to the car (e.g. hail, vandalism etc.)

Political violence coverage: Damage to your car resulting from riots, strikes, terrorism and other perils are covered through Clements’ exclusive Political Violence insurance extension

Accident forgiveness: Your rate stays the same even after your first accident

Home country rental car insurance expense reimbursement: All vehicle policies that include Physical Damage coverage will cover the cost of rental car insurance for $12 USD/day up to 21 days per policy period when renting a car in the US, Canada or your home country. This does not have to be consecutive.

Covers Towing & Labor Reimbursement: up to $100 USD per disablement, up to $300 USD per policy term

Windshield replacements included

Transit coverage: all risk from departure to arrival available for government clients only

Optional coverage for duty expenses

Third-Party Liability Policy

Clements Worldwide, in partnership with Vittoria Assicurazioni S.p.A. offers third-party liability Italian car insurance policies that include: * 

Third-party liability (Responsabilita’ Civile verso Terzi)

Vehicle protection (Danni Autovetture)

Personal accident coverage (Infortuni Conducente)

RCA sum insured with Bonus/Malus

Competitive discounts to future policy holders

Special discounts for expatriates  15 days of guaranteed cover after policy expiry

In Our Customers’ Own Words:

My wife had a “prang” here in Italy. Fortunately, no one was hurt, but my heart sank at the thought of trying to sort out the paperwork. I am delighted to report, that Clements were super responsive, helpful, and patient, in sorting out the wreck, and re-insuring the replacement car. A BIG shout out for [the Clements team] who simply could not have handled the whole wretched affair better. A well deserved FIVE stars, particularly for the personalities directly involved. First Class service. Well done. I would not hesitate to place your insurance business with this company. First Rate!

– Clements customer in Italy

Get a Quote

Submit your information now and get a free car insurance quote for Italy or learn about our car insurance rates.
Start Your Quote Now

Do You Need Car Insurance in Italy?

If you’re an expat living in Italy and are planning on driving, you need to be covered by Italian car insurance. Legally in Italy, you are required to be covered by car insurance that is at least to a level of third-party liability.

You don’t need an Italian driver’s license to be insured in Italy. As long as you are covered by a valid driving license, we can offer you Italian car insurance.

Can I Drive Outside of Italy with My Italian Car Insurance?

You have the option to extend your auto insurance coverage outside of Italy. If you purchase our Third Party Liability coverage a “Carta Verde” or Green Card is provided, giving you additional coverage when driving in EU countries and Schengen Area.

For more information about this coverage and the countries included, see our FAQs below.

Italy Homeowners & Building Insurance

Protect your house, building, villa, condo, including vacation home and it’s contents in Italy. Customize your comprehensive policy for protection against damages from fire, theft, flood, riots, and third party liability.
Italy Home & Building Insurance

Excellent and easy to use. This is the second year I have had car insurance from Clements (foreigner living in Italy) and they simplify an incredibly complex system in the country. [The staff] was a true professional in quickly sorting my documents. Thank you!

– Foreigner Living in Italy
Expat living abroad renewing international insurance policy.

Have Questions or Need Help?

If you have any questions about our Italian car and motorcycle insurance rates or coverage, please fill out our form below or contact us at, 44(0) 33 0099 0104 or 800.872.0067.

Overseas Insurance For Military, Foreign Service Officers, & Educators

Wherever your PCS (permanent change of station) overseas or service takes you, rest assured you can drive across the EU and Schengen Area with our coverage and protect your car in transit between homes with coverage beyond third-party liability.

Why take the risk of using separate companies to ship your auto and personal property to your various posts? Let us take the stress out of converting your insurance coverage from country to country as you move around the world for your missions abroad.

Frequently Asked Questions About Car Insurance in Italy

Just as the rules of the road can change from country to country, so can the rules that apply to your expat car insurance coverage in Italy. Check out the FAQs below to learn more about insuring your car.

Get a Quote

Get a free Italy car insurance quote or learn about our car insurance rates.
Start Your Quote Now

Additional Policies for All Your Needs

Consider these other insurance solutions to protect yourself, your stuff and your family:
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Worldwide Personal Property Coverage

Cover your most cherished belongings in-transit and at your destination. Discover why international personal property insurance may make sense for you.  

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Related Policy

Italy Homeowners & Building Insurance

Protect your home/building and contents against unexpected damages and liability. Customize your policy.

Contact Us

Still have questions? Fill out the form below and get in contact with a Clements Personal Insurance Advisor today.

*Subject to underwriting guidelines. Limits, conditions and exclusions may apply.