Insurance company ratings for 2025: who has the best Green Card?

Choosing an insurance company to get a Green Card is an important step for anyone planning to travel abroad in their own car. The level of payouts and the amount of premiums collected help to assess the reliability of the insurer and its willingness to fulfil its obligations to customers. Find out more about who made it into the top 10 leaders in 2025 and why these companies are considered the best

Insurance policy Green card for traveling abroad by car

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Green Card insurance is a mandatory document for Ukrainian drivers who plan to travel abroad in their own cars. It guarantees financial protection in the event of an accident outside the country and is an indicator of the reliability of the insurance company.

Every year, the balance of power in the market changes: some companies strengthen their positions thanks to high payouts and service, while others lose ground to their competitors.

In this article, we have compiled a list of the top 10 insurers in Ukraine based on the results of 2024 according to data from Forinsurer, ranking them according to two key indicators: the amount of premiums collected and the level of insurance payments.

Read on to find out who offers the most advantageous and reliable Green Cards in 2025.

Planning a trip abroad in your own car?

Apply for a mandatory Green Card policy online in just a few minutes!

How is the rating of insurance companies formed?

Premiums collected are the amount of money that a company has earned from Green Card insurance.

Payouts are the actual amount of compensation paid out.

The payout ratio (in percent) is the ratio of payouts to premiums, which shows the insurer's efficiency and customer focus.

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Top 10 insurance companies in 2025: who has the best Green Card?

1. Insurance company TAS. Total: 1,395,984 hryvnia in premiums. At the same time, payments amounted to 430,816 hryvnia. Overall, the payout ratio is 30.86%.

2. Insurance company USG. Total: 759,232 hryvnia in premiums. At the same time, payments amounted to 455,901 hryvnias. Overall, the payout ratio was 60.05%.

3. Insurance company KNYAZHA. Total: 605,763 hryvnias in premiums. At the same time, payments amounted to 236,775 hryvnias. The overall payout ratio is 39.09%.

4. Insurance company PZU Ukraine. Total: 542,573 hryvnia in premiums. At the same time, payments totalling 176,273 hryvnia were made. The overall payout ratio is 32.49%.

5. Insurance company ORANTA. Total: 471,820 hryvnias in premiums. At the same time, payments amounted to 99,371 hryvnias. Overall, the payout ratio is 21.06%.

6. Insurance company PERSHA. Total: 432,059 hryvnias in premiums. At the same time, payments amounted to 149,710 hryvnias. Overall, the payout ratio is 34.65%.

7. Insurance company GARDIAN. Total: 371,444 hryvnias in premiums. At the same time, payments amounted to 286,492 hryvnias. The overall payout ratio is 77.13%.

8. Insurance company INGO. Total: 368,006 hryvnia in premiums. At the same time, payments totalling 136,804 hryvnia were made. The overall payout ratio is 37.17%.

9. Insurance company UTICO. Total: 275,039 hryvnias in premiums. At the same time, payments amounted to 93,649 hryvnias. Overall, the payout ratio is 34.05%.

10. Insurance company VUSO. Total: 152,081 hryvnias in premiums. At the same time, payments amounted to 70,847 hryvnias. Overall, the payout ratio is 46.58%.

Insurance company rating 2025: key findings

TAS leads in terms of premiums, but has one of the lowest payout ratios (~30%).

USG ranks second in terms of premiums and has one of the highest payout ratios (~60%), i.e. a good balance between scale and fulfilment of obligations.

GARDIAN demonstrates the highest payout discipline — 77% — ideal for those who value quality of service.

Although not in the top three, INGO took an honourable eighth place in terms of premiums and has an average payout ratio (~37%), a respectable result for a stable market player. INGO is consistently among the market leaders in terms of insurance premiums in various segments and confirms its high ratings against the backdrop of growth in premiums and payouts in 2025.

Planning to travel abroad?

Don't forget to purchase a Green Card!

On the Visit Ukraine portal, you can quickly find a convenient insurance option.

Take out a policy online and set off on your trip without any worries!

Reminder! Planning a trip abroad by car? How to check your Green Card at the border, what form your insurance policy should take, what the consequences are for not having one, and how to get a Green Card online without any hassle — read here.

Photo: Generated using Gemini

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