How much has car insurance increased in 2025?

The cost of motor insurance has increased significantly in 2025, and drivers now have to choose their insurance company more carefully. New pricing rules, higher insurance limits and other factors have affected the market and changed the approach to issuing policies. Learn more about the reasons for the price increase, average rates and how to get the best deal on car insurance online

Apply for a car insurance policy at Visit Ukraine - guaranteed protection on the road in just 5 minutes!

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The year 2025 brought many changes for Ukrainian drivers, and one of the most significant was a significant increase in the cost of compulsory civil liability insurance policies (OSCP, or motor third-party liability insurance). The new rules, which came into force on 1 January, have affected both the pricing system itself and the amount of insurance payments.

Why has the cost of motor third-party liability insurance increased, by how much, and how can you now quickly take out a policy online? We explain below.

Take out a motor third party liability insurance online in 5 minutes and feel confident on the road!

Why has motor third-party liability insurance become more expensive in 2025?

The main reason for the increase in cost is changes in legislation, which, from 1 January 2025, allowed insurance companies to set their own prices for motor third-party liability insurance policies. Previously, tariffs were regulated and controlled by the Motor (Transport) Insurance Bureau of Ukraine (MTIBU), but now the market operates on the principles of free competition.

Additional factors include:

– an increase in insurance limits for payments to victims;

– an increase in the cost of spare parts and repair work;

– a general rise in the cost of services and inflation.

Is motor insurance valid if another driver was behind the wheel — we explain here.

How much has the cost of motor insurance increased in 2025?

Comparison of rates in 2024 vs 2025

According to the results since the new law came into force, the average increase in prices for motor insurance policies ranged from 70% to 100% compared to 2024.

Most insurance companies have increased their prices by 80–90%, and for policies with zero deductible — by about 50%. In some cases, the price has risen by as much as 110%, depending on the type of car and the owner's place of registration.

Now the difference between offers from different companies can be significant, so comparing prices has become especially important.

What happens if you are stopped by the police without car insurance — we explain in the link.

What affects the price of car insurance?

The price of car insurance in 2025 is influenced by:

– Type of vehicle.

– Engine size — the larger the engine, the higher the cost of the policy.

– Place of registration — rates are higher in large cities with heavy traffic.

– Driving experience — insurance is more expensive for new drivers due to higher risks.

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Are there any discounts on motor insurance and who is eligible for them?

From 2025, the obligation to have motor insurance will apply to all drivers without exception. However, certain categories of citizens may receive a 50% discount:

– combatants;

– victims of the Revolution of Dignity;

– war veterans;

– persons with disabilities of groups I and II;

– victims of the Chernobyl disaster (categories I and II);

– pensioners.

Read also: Motor insurance price 2025.

Motor insurance 2025: how to get motor insurance online in 2025?

Visit Ukraine offers quick and convenient online car insurance. We work only with trusted insurance companies, guaranteeing reliability and transparency of insurance.

The process of obtaining car insurance on our website is as simple and intuitive as possible. To buy car insurance online, you will need a minimum set of documents and a few minutes of your time:

1. Go to the link.

1. Click on the ‘Buy a policy online’ button.

2. Enter your vehicle registration number and tick the box if you are eligible for any insurance policy discounts – the system will automatically find your car by its registration number.

3. Specify the start date of the policy and select the offer from the insurance company that suits your needs.

4. Fill in the form with the details of the insured and the vehicle.

5. Confirm the details and agree to the terms of the contract.

6. Pay for the policy in a way that is convenient for you and receive electronic insurance by email.

If the system does not find your car, you can fill in the information manually. To do this, specify the type of vehicle, engine capacity and place of registration (registration) of the owner.

What do you need to register motor vehicle insurance?

To register motor vehicle insurance online, you must have:

– Ukrainian passport or driving licence;

– vehicle registration certificate;

– identification number (RNOKPP).

A technical inspection report is only required for vehicles subject to mandatory technical inspection.

Advantages of purchasing motor insurance on the Visit Ukraine portal

– Speed and convenience. You can purchase a policy in a few minutes without having to visit an office.

– Comparison of offers. The portal presents options from different insurance companies, allowing you to easily choose the best policy.

– A unified pricing policy with service station partners, which guarantees the repair of the victim's car.

– One of the best contact centres in Ukraine, providing information support.

– One of the best settlements in Ukraine, guaranteeing protection of the budget of the insured/person responsible for the accident.

Additional car insurance options to consider in 2025

Mini Hull insurance — when is it needed and what does it cover?

Mini Hull insurance is the best option for those who want basic but effective car protection without overpaying for full Hull insurance. The insurance covers the most common risks, including accidents, natural disasters and (in the extended package) passive military risks.

You can quickly take out Mini Hull insurance online on the Visit Ukraine portal. Three packages are available:

– Economy — compensation for damages in the event of an accident with another car.

– Basic — accidents + total destruction of the car due to natural disasters.

– Maximum + war risks — protection against major risks and additional passive war risks, car evacuation.

You can purchase Mini Hull insurance for a period of 1 month to 1 year — both for Ukrainians and foreigners.

Green card for travelling abroad

A green card is an international insurance policy that is mandatory for drivers who plan to travel outside Ukraine in their own vehicle. It is valid in most European countries and guarantees financial protection if you are involved in a traffic accident abroad. In such a situation, the insurance will cover damages to third parties, allowing you to avoid significant unforeseen expenses and legal problems.

The presence of a Green Card is checked at the border, as fines are imposed in European countries for not having one. Therefore, it is worth taking out this policy in advance so that you can travel with peace of mind and without unnecessary risks.

On the Visit Ukraine portal, you can apply for a Green Card online in just a few minutes. You can choose the desired validity period — from a few days to a year — and the countries covered, and you will receive the finished policy immediately by email. It's convenient, fast and without additional fees.

How not to overpay for car insurance and protect yourself in 2025?

– Compare prices from different insurance companies.

– The cost of policies can now vary greatly — choose the best offer.

– Take out policies online in a few clicks. Online services such as Visit Ukraine allow you to get insurance without queues and paperwork.

– Choose additional protection if necessary. Mini Hull insurance or Green Card can be an important addition to your motor insurance.

Protect yourself and your car with a reliable motor insurance policy from Visit Ukraine!

We offer a convenient online process for purchasing motor third-party liability insurance at the best prices from leading insurance companies in Ukraine. Our simple calculator will help you instantly calculate the cost of a policy for your car, and it only takes a few minutes to purchase. Documents are sent by email immediately after payment – no queues or unnecessary hassle.

Buy motor insurance on Visit Ukraine now and take care of your protection on the road!

Reminder! Every driver in Ukraine is required to have motor insurance, but few people know that in some cases, insurance may become completely invalid. If you violate the law or the terms of the contract, the insurance company has the right to demand that you return the entire amount of compensation. When car insurance does not work and in which cases the driver may be required to pay 100% of the insurance compensation — we explain here.

Photo: generated using Gemini

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