Ukraine car insurance rates: OSCPV & Green Card

Measured on 12 October 2026. Compulsory motor liability (OSCPV) for a Volkswagen Golf 1.6 (1598 cm³, 2018) costs from ₴1,993 a year (ОРАНТА; Izmail or Kovel or Uman or Mukachevo or Berdychiv or Oleksandriia or Drohobych or Sheptytskyi or Konotop or Stryi, driver aged 40), and from ₴3,818 in Kyiv. The median of every insurer's offer for this car is ₴3,764.

Within one quote — same car, city, driver and day — the dearest insurer asks more than the cheapest: 2.7 times as much in the typical case (median), and up to 4.7 times. Green Card, Europe zone: 15 days from ₴704, 1 month from ₴1,387, 1 year from ₴11,752.

Since the previous measurement (9 October 2026) the lowest tariff is unchanged in 633 of 705 rows. There is no data for 10 October 2026 to 11 October 2026: no measurements were taken, and from 23 September the quoting provider was down (restored 28 September). What changed · method · CSV · Українською

OSCPV by price zone

Volkswagen Golf 1.6, 2018, drivers aged 20, 30, 40. The zones are the K2 coefficient map of a National Bank of Ukraine resolution. It lost force on 01.01.2025, yet the insurers' lowest tariffs still follow it.

By city

The same car and the same three driver ages, from the cheapest city to the dearest. City pages are in Ukrainian and cover every engine class.

The spread between insurers

An OSCPV policy is the same everywhere: the law sets its terms and limits. Only the price differs. The widest gap in the measurement is Stryi, Volkswagen Golf 1.6, driver aged 20: from ₴2,391 (ОРАНТА) to ₴11,314 (USG) — 4.7 times as much for the same policy.

That is why the median matters more than the average here: a few expensive offers pull the average up, while half of all offers sit below the median and half above.

Green Card by zone and term

Passenger car. The Green Card price does not depend on the city, engine or driver — only on the zone and the term. The Green Card in detail.

What changed since 9 October 2026

Only identical quotes are compared: same city, engine class, car, year and driver age — one row of 9 October 2026 against the same row of 12 October 2026. No row from any other day enters the comparison. Between the two — 10 October 2026 to 11 October 2026 — there are no measurements (none were taken; from 23 September the quoting provider was down), and we do not fill the gap with guesses.

• Lowest tariff: unchanged in 633 of 705 rows; down in 72 — 71 because of the line-up: the cheapest insurer of one day did not answer on the other, while its tariff did not move.
• Dearest offer: down in 2, up in 3 of 705 rows.
• ЄВРОІНС: tariff down in 15 of 15 rows (median −5.7%).
• АРСЕНАЛ СТРАХУВАННЯ: tariff down in 1 of 705 rows (median −4.9%).
• ІНГО: tariff down in 1 of 705 rows (median −18.2%).
• Our price after the TEHET discount, kept apart from the market: down in 702 of 705 rows (median −3.4%). That is our discount decision, not a change in tariffs.

OSCPV: changes by insurer

OSCPV: changes by city

Green Card: changes since 9 October 2026

Line-up: УТСК quoted on 9 October 2026, not on 12 October 2026. Tariffs of the insurers that answered on both days: changed — see the CSV.

Method

• What is measured. The price of a one-year OSCPV policy for a passenger car registered in Ukraine: 47 cities, four engine classes and an electric car (class B5) (the reference is a Volkswagen Golf 1.6, 2018), drivers aged 20, 30, 40 — 705 quotes and 11271 insurer offers. And the Green Card for a passenger car by zone and term.
• How. Through our live calculator — the same quotes a customer sees, with no estimates and no recalculation. Every insurer's answer is recorded, not only the cheapest, and every measurement is kept as its own file: a new one never overwrites an old one.
• What is left out. Privileged contracts (veterans, people with disabilities and other groups the law names), taxis, foreign-registered cars, electric cars, motorcycles and lorries, and OSCPV terms shorter than a year. Their prices differ.
• Tariff and our discount are kept apart. Every price in the tables is the insurer's tariff. The TEHET calculator can be lower by our discount; that figure is a separate column in the CSV and is reported separately in the comparison.
• «From» is the lowest tariff across the measured conditions (city, class, age), not a price for everyone. Your own car, city and age give your own price.
• Median is the middle of all offers; spread is the dearest offer divided by the cheapest in the same quote.

Data and citation

Download the 12 October 2026 measurement as CSV — 11271 OSCPV offers and 48 Green Card offers, one per line. Columns: measured_on, product, city, city_uk, price_zone, tariff_class, vehicle, engine_cm3, vehicle_year, driver_age, territory, term, insurer, insurer_tariff_uah, tehet_price_uah, rank_by_tariff, offers_in_row. The file holds no personal data.

Licence: CC BY 4.0. You may use and share the data freely, commercially too, as long as you credit the source. When quoting, give the measurement date next to the figure and link this page:

TEHET, Car insurance price index (OSCPV and Green Card), measured 2026-10-12, https://tehet.com.ua/en/price-index

Questions and answers

Related pages

What car insurance costs in Ukraine · Green Card price · Cars on foreign plates.