Car insurance price in Ukraine: rates by city
A year of compulsory motor liability cover (OSCPV) for a passenger car cost between ₴1,993 and ₴16,585 when we measured it on — 564 priced combinations across 41 cities, 4 engine classes and three driver ages. These are real quotes from the same calculator our customers use, recorded rather than estimated.
Get a quote for your car or ask a manager about a car on foreign plates
The calculator is in Ukrainian. You enter the registration number and see offers from several insurers side by side; if you are not a Ukrainian resident, the steps and the exact Ukrainian words to look for are on car insurance for foreigners.
The cheapest and the dearest we measured
- Lowest: ₴1,993 a year. Engine class B1 (up to 1,600 cm³), registered in Ізмаїл, Ковель, Умань, Мукачево, Бердичів, Олександрія, Дрогобич, Шептицький, Конотоп and Стрий, driver aged 40, from ОРАНТА. The figure appears 10 times in the sweep — it is a tie, not one winning city, and naming a single one would be a distinction the measurement does not make.
- Highest: ₴16,585 a year. Toyota Land Cruiser 4.6, 4,608 cm³, registered in Київ, driver aged 20. This is the dearest offer in that list rather than the cheapest — nobody has to buy it.
- Same car, same day, same driver: 386% between insurers. In Стрий the same B2 car quoted for a driver aged 20 returned 16 offers, from ₴2,911 to ₴14,142. That gap is the one thing on this page you can act on the same afternoon, and it is why the offers are shown side by side.
What moves the price
- Where the car is registered — up to 92%. The same engine class quoted for the same driver aged 40 cost ₴1,993 in Ізмаїл, Ковель, Умань, Мукачево, Бердичів, Олександрія, Дрогобич, Шептицький, Конотоп and Стрий and ₴3,818 in Київ. Nothing about the car changes down that column — only the line on the registration certificate.
- Engine capacity. Ukraine prices motor liability by tariff class rather than by what the car is worth: B1 (up to 1,600 cm³), B2 (1,601–2,000 cm³), B3 (2,001–3,000 cm³), B4 (over 3,000 cm³).
- The driver's age — about 9%. In Київ, the same small-engine car quoted for a driver aged 20 cost ₴4,179 against ₴3,818 for a driver aged 40.
- The insurer. The factor with the widest range, and the only one you choose on the day. Across the whole sweep, 11 different companies were the cheapest offer in at least one combination.
All four figures come from the same sweep, measured . The Ukrainian price page goes further and publishes the whole grid city by city: Скільки коштує автоцивілка.
Київ by engine class
One city, so the only thing changing down the table is the engine. Each figure is the cheapest offer returned for that combination.
| Engine | Car measured | Driver 20 | Driver 30 | Driver 40 |
|---|---|---|---|---|
| B1 · up to 1,600 cm³ | Volkswagen Golf 1.6, 2018 | ₴4,179 | ₴4,179 | ₴3,818 |
| B2 · 1,601–2,000 cm³ | Skoda Octavia 1.8, 2018 | ₴4,932 | ₴4,777 | ₴4,574 |
| B3 · 2,001–3,000 cm³ | Toyota RAV4 2.5, 2018 | ₴5,140 | ₴4,976 | ₴4,811 |
| B4 · over 3,000 cm³ | Toyota Land Cruiser 4.6, 2018 | ₴7,091 | ₴5,688 | ₴4,849 |
What the policy pays
OSCPV covers what you owe other people after an accident you caused. It never covers damage to your own car — that is a separate product. The ceilings are set by law rather than by the insurer, so they are identical whichever offer you take, and a cheaper policy does not buy less cover.
| Damage | Per injured person | Per accident |
|---|---|---|
| Injury or death | ₴500,000 | ₴5,000,000 |
| Damage to property | ₴250,000 | ₴1,250,000 |
Source: Law of Ukraine No. 3720-IX (in Ukrainian), consolidated version of 1 January 2026. The contract itself is concluded in electronic form only — Article 11(1) of Law No. 3720-IX.
What to do next
- Open the calculator and enter the Ukrainian registration number. Offers from several insurers appear side by side with prices.
- Compare, then check whatever you want to check first — the MTSBU register is open to anyone.
- Pay by card. The policy is electronic: there is no paper form to collect, and the cover exists from the moment the insurer has entered the contract in the central database.
- Driving out of Ukraine afterwards needs a second document — Green Card cover and what it costs.
Questions and answers
How much does car insurance cost in Ukraine?
Between ₴1,993 and ₴16,585 a year for a passenger car, measured on 12 October 2026 across 41 cities, 4 engine classes and three driver ages — 564 priced combinations in one sweep. The low end is a small engine registered in a small town with an experienced driver; the high end is the dearest offer for a large engine in a big city with a young one.
Why do two drivers pay different prices for the same car?
Three things move the tariff and one moves the total. The tariff depends on engine capacity, the territory the car is registered in and the driver's age. On top of that each insurer sets its own price: on the same car, city, driver and day we measured a spread of 386% between the cheapest and the dearest offer (Стрий, 16 offers, 12 October 2026).
Is car insurance compulsory in Ukraine?
Yes. Every vehicle used on Ukrainian roads must be covered by OSCPV — compulsory third-party motor liability insurance — under Law of Ukraine No. 3720-IX. The contract is concluded in electronic form only (Article 11(1) of Law No. 3720-IX).
What does the policy actually pay out?
Injury or death: up to ₴500,000 per injured person and ₴5,000,000 per accident; Damage to property: up to ₴250,000 per injured person and ₴1,250,000 per accident. These are the statutory ceilings, read from МТСБУ and the law on 12 September 2026. The policy covers what you owe other people — never damage to your own car.
Can I buy a policy for less than a year?
Not online with us: our checkout sells one term, one year. Shorter terms exist in the law but only for an unregistered vehicle or one registered abroad and temporarily in Ukraine (Article 11(7) of Law No. 3720-IX). If your car is on foreign plates, that case is on our page for foreigners.
Which insurer is the cheapest in Ukraine?
No single one. Across the 12 October 2026 sweep, 11 different insurers were the cheapest offer in at least one measured combination, so the answer changes with the car, the city and the driver. That is the reason to compare rather than to pick a company by name.
The prices on this page were measured on through the same calculator customers use, and insurers change tariffs without announcing it — treat them as a measurement with a date, not as an offer. TEHET is an insurance intermediary: the contract is concluded with the insurer you choose and that insurer's terms govern it. The pre-contract disclosure is at insurance information (in Ukrainian). Page reviewed 20 September 2026.