Zurich Auto Insurance Review for 2025 (See Rates & Discounts Here)

What are the benefits and limitations of a Zurich auto warranty? This Zurich auto insurance review outlines Zurich Insurance Group’s best advantages, including global policy options through Zurich Global Ventures and accident forgiveness for safe drivers.

Zurich car insurance is a good option for traveling families and loved ones, considering the starting rates are as low as $110 monthly. Even though the Zurich Foundation supports sustainability, one weakness of the Zurich car insurance policy is limited customization. Some ways to decrease auto insurance rates include seeking discounts or adjusting coverage options.

Zurich Auto Insurance Rating

Rating Criteria
Overall Score Rating	3.0
Business Reviews	3.5
Claim Processing	4.0
Company Reputation	4.2
Coverage Availability	3.5
Coverage Value	3.6
Customer Satisfaction	2.9
Digital Experience	3.2
Discounts Available	5.0
Insurance Cost	3.4
Plan Personalization	3.0
Policy Options	3.2
Savings Potential	2.5

Zurich Insurance provides excellent options for drivers who need reliable coverage and international flexibility. Compare multiple insurance quotes to discover the best policy for your needs while taking advantage of Zurich’s trusted global reputation.

Whether you are considering Zurich car Insurance or want various quotes, we can help. Compare auto insurance rates right now. Just enter your ZIP code into our FREE tool above.

What You Should Know About Zurich

A company’s financial ratings indicate how likely it is to be able to pay all its claims. Several companies provide financial ratings, including A.M. Best, Moody’s, and S&P.

Financial Ratings of Zurich Insurance Group

As shown in the table above, Zurich scores high, which benefits its clients. When approaching this provider, you should be able to assess an auto insurance quote so you get the right coverage and value for your needs.

Zurich Insurance Coverage Options

Zurich doesn’t mention much about their basic types of auto insurance coverage on their website, probably because they want you to speak with an agent to ensure you are only informed about available products in your area. They do, however, mention their wide variety of Zurich property insurance products:

• Fine art, jewelry, and other collectibles
• Home and contents – primary and secondary residences
• Kidnap and ransom
• Landlord property
• Personal Auto
• Classic car insurance
• Personal umbrella insurance
• Private aviation
• Worldwide travel – both one-off trips and annual cover
• Yacht / Watercraft

Zurich doesn’t mention much about any of their coverages except their travel Insurance, which offers excellent benefits, including:

• Emergency medical expenses
• Missed departure expenses
• Personal accident expenses
• Travel delay
• Loss of passport
• Legal expenses

All customer calls and claims are recorded for fraud prevention, and the company uses the information by the Irish Data Protection Law.

Zurich Bundling Options

Determining the available bundling options can be complicated because Zurich does not offer online quotes. Still, many companies offer a discount for bundling your policies, so the odds are good Zurich will do the same.

If you have more than one insurance policy with Zurich, it would be worth verifying with your agent that you’re receiving a multi-line discount and any other auto insurance discounts that may be available.

Zurich Auto Insurance Coverage Cost

Zurich auto insurance rates greatly vary from one another depending on many significant factors, such as age, gender, location, and driver’s record, which differ to a large extent. Generally, a clean driver can expect something like $110 per month.

Zurich Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

Smaller drivers or those with accidents on their driving records will have higher rates, while older and safer drivers will be able to get lower premiums.

The location also comes into play because rates differ between states due to the varying regulations and risks. Overall, the price is competitive in the industry and scores at 3.0 based on all these, though not the lowest compared to other major providers.

Zurich Insurance Rates Breakdown

You can visit the Zurich Insurance Website to get a car, van, travel, housing, and business insurance quote. They have the following benefits:

• Car insurance for women has additional benefits, including child accessories and handbag coverage.
• There is 24-hour breakdown assistance for insurance claims in the Republic of Ireland and Northern Ireland.
• Claim bonus protection if an uninsured driver hits you.
• The company provides high-quality repairs with original manufactured parts with a three-year guarantee.
• An immediate discount is provided if you add your partner to your policy.
• In the case of van insurance, the coverage includes vehicles with up to four tons carrying capacity and windshield protection as standard on all policies, as well as third-party property damage, but no introductory claim discount.
• It has a trailer policy that includes third-party coverage, with fire and theft or comprehensive coverage as an extra option.

Zurich American Insurance Company does offer an online quote option, but it isn’t an instant process like what you would find through Geico auto insurance or Liberty Mutual.

Because of this quote system, we are unable to provide sample rates for Zurich products, but the chart below shows the average rates for full coverage by state:

Remember that the rates above are for full coverage on personal auto policies, so you may not need that much insurance. The rates above are also averages, as gathered by the National Association of Insurance Commissioners (NAIC), which means some people will pay much less, and others will pay much more.

Zurich’s Availability by State

Zurich is a leading insurance company in Ireland that offers insurance for cars, vans, private motors, and home insurance for engineering and commercial properties. As one of the largest insurance companies in Ireland, it has a national network of sales offices in Europe, Latin America, Asia-Pacific, and Zurich, North America.

Zurich Insurance plc is a division of Zurich Financial Services Group, which was founded in 1872 and has its headquarters in Zurich, Switzerland. The Central Bank of Ireland regulates the insurance plan in Zurich auto insurance, and its registration number is 13460.

Their website indicates that they offer a variety of coverage in every state except California. In California, Zurich offers some insurance options, but they must operate under another name. For a broader perspective, learn more about our “Best California Auto Insurance.”

While Zurich offers insurance products in every state, its website clearly states that not every product it carries is available. If you want to purchase insurance through Zurich, contact a local agent to determine the product line’s availability.

Zurich Discounts Available

Zurich doesn’t mention discounts on its website, but insurance companies offer discounts to lower auto insurance premiums. Below is a chart of some of the most common discounts and the best auto insurance companies that provide them:

Top Auto Insurance Discounts by Company

Insurance company	Bundling	Safe Driver	Good Student	Anti-Theft Device	Loyalty
	15%	10%	14%	8%	12%
	25%	18%	22%	10%	15%
	20%	20%	15%	10%	12%
	25%	15%	15%	25%	10%
	25%	20%	12%	35%	10%
	20%	12%	18%	5%	8%
	10%	10%	10%	25%	13%
	17%	20%	35%	15%	6%
	18%	12%	20%	15%	9%
	10%	10%	10%	15%	11%

Keep in mind that insurance companies update their discounts all the time.

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You may want to verify the currently available discounts with your agent when you sign up for a policy. Zurich personal insurance and Zurich commercial auto insurance offer different discounts, so businesses must research possible discounts before signing up for a policy.

Zurich Auto Insurance Average Cost vs. Competitors

Rates are often key when comparing Zurich auto insurance with other market leaders, such as State Farm.

Zurich Auto Insurance Monthly Rates vs. Top Competitors by Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$87	$228
	$76	$198
	$43	$114
	$96	$248
	$63	$164
	$56	$150
	$47	$123
	$53	$141
	$32	$84
	$52	$140

For example, whereas the average Zurich monthly rate for a driver with no record is around $110, State Farm usually offers lower rates to customers with driving histories between 30 and 50.

Zurich Auto Insurance Monthly Rates vs. Top Competitors by Age & Gender

Insurance Company	Age: 18 Female	Age: 18 Male	Age: 30 Female	Age: 30 Male	Age: 45 Female	Age: 45 Male	Age: 65 Female	Age: 65 Male
	$640	$740	$240	$252	$231	$198	$226	$223
	$853	$897	$228	$239	$199	$114	$194	$194
	$313	$362	$128	$124	$114	$248	$112	$112
	$745	$893	$249	$285	$244	$164	$239	$243
	$432	$552	$177	$195	$161	$150	$158	$160
	$843	$944	$187	$194	$159	$123	$156	$147
	$327	$405	$133	$147	$123	$141	$120	$120
	$757	$1,056	$142	$154	$139	$84	$136	$138
	$257	$289	$106	$113	$84	$150	$82	$82
	$400	$450	$175	$185	$160	$140	$150	$145

However, Zurich shines more in the broader network and specialty coverage options, making it more flexible for drivers requiring international coverage. As with California and Texas, state-specific rates show Zurich’s business is quite competitive, offering some of the best auto insurance discounts for eligible drivers.

Zurich Insurance Programs

Zurich offers a variety of specialty programs designed for personal and commercial insurance policies, but its website does not provide much detail. Typical auto insurance programs are safe driving apps, discount coupons, online learning programs, and accident forgiveness.

Some of these programs are free, such as discount coupons and online learning programs, and some come at an additional fee, such as accident forgiveness. Safe driving apps are separate programs that could save or cost you money, depending on how you drive.

Canceling Your Zurich Auto Policy

If you have a policy through Zurich, you must contact your agent to cancel your coverage. There are two ways to cancel your policy for someone who wants to learn how to cancel auto insurance. First, if you signed up for coverage with an independent agent, contact that agent to help cancel your insurance policy.

Second, if you signed up directly with a company, you can call their customer service department or cancel your policy online if your insurance company provides that option.

Cancellation Fees With Zurich

Cancellation fees are usually determined based on state laws and regulations, so it is essential to check your local laws to find out how much, if anything, an insurance company can charge you for a cancellation fee.

There is no indication of whether or not Zurich charges a cancellation fee listed on their website.

If your agent is helping you cancel your policy, they can tell you about any cancellation fees you may be charged and what, if anything, you can do to avoid them.

Zurich Refund for Cancellation

The Zurich website doesn’t say anything about a refund of premiums, but many insurance companies will refund unused premiums when a policy is canceled. For example, if you paid your premium through the end of the month but cancel your coverage effective the 26th, you may be entitled to a refund of the premium you paid from the 27th through the 31st. You typically cannot get a refund for any time you were actively covered, whether or not you filed a claim.

If you purchased a policy through an agent, contact them to determine whether you may be due a partial refund when you cancel your coverage.

How to Cancel Zurich Auto Insurance

Since Zurich policies are only available through an agent, you must work with your agent to cancel your coverage. This is the case whether you signed up through a Zurich or an independent agent.

Individuals insured through other companies that purchased a policy directly can call their insurance company’s customer service number to have their policy canceled by phone. Some companies even have online systems that allow you to terminate your policy over the Internet.

Most companies allow you to cancel anytime, but this isn’t universal. Typically, your coverage would be canceled at 11:59 p.m. and start at midnight, but you will need to verify this at the time of your cancellation.

Pros:

• Global Coverage Options: Zurich provides sound worldwide coverage, which is helpful in case of frequent traveling.
• Financial Stability: An ‘A’ rating by A.M. Best reflects strong financial stability to the policyholders.
• Exclusive Discounts: Offers discounts for safe driving and bundling of other policies that can help lower premiums.

Cons:

• Higher Rates for Younger Drivers: Premiums may be higher for young or relatively new drivers. Our “What an Auto Insurance Specialist Says About Bundling Rates” will help you better understand this.
• Limited Availability in Some Areas: Zurich does not support services and policies in every state.

Zurich Auto Insurance Business Reviews

Zurich Auto Insurance has received solid ratings across multiple trusted sources, reflecting its good reputation and customer satisfaction. According to J.D. Power, Zurich scored 845 out of 1,000, showing above-average satisfaction. The BBB also ranks Zurich highly, with an A+ score, praising its customer service.

Zurich Auto Insurance Business Ratings & Consumer Reviews

Agency
	Score: 845 / 1,000 Above Avg. Satisfaction
	Score: A+ Excellent Business Practices
	Score: 75/100 Good Customer Feedback
	Score: 0.60 Fewer Complaints Than Avg.
	Score: A+ Superior Financial Strength

While Consumer Reports and NAIC average out Zurich, A.M. Best provides a healthy financial strength score of A+. Zurich has a reputation for strong reliability, good claims handling, and an excellent option for international coverage. All these aspects explain the good feedback from the consumer reports. Write that Zurich is one of the best auto insurance providers for businesses.

How to Make a Zurich Auto Insurance Claim

At Zurich, each claim is treated with the importance and urgency it deserves. A claims agent will be assigned to help you through the claim procedure, and you will be given a unique claim reference number that you will need when contacting the company again. The company uses an easy-to-follow documentation procedure and ensures a trained specialist deals with the claim.

The company will settle the claim within 10 days as soon as investigations are done.

If you are not from or do not live in Ireland, you do not have to wait for the verdict or response from auto insurance companies on your claim. Zurich will arrange for the nearest repair shop to fix your vehicle according to quality norms and provide a three-year repair guarantee.

The FBI and other regulatory agencies will thoroughly investigate fraudulent claims. If the vehicle is beyond repair, you must arrange to collect, store, and dispose of it. Please locate your area’s best auto insurance companies by entering your ZIP code into our free quote tool below.