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As of January 1, 2025, an updated law on mandatory civil liability insurance came into force in Ukraine. The result is noticeable in your wallet: insurance policy prices have risen by 25–30%. The average price for a passenger car now ranges between 2,500 and 10,000 UAH depending on a whole set of parameters — and this is no longer a marketing range, but a real spread.

Why identical cars are insured at different prices

The MTSBV sets a base tariff, but the final price is the result of multiplying several coefficients. The registration region, vehicle type and age, driver experience, number of previous insurance claims, and even the desired policy validity period are all considered. A driver with a clean driving record in a small town may pay three times less than a novice with a Kyiv address and the same car model.

This is why comparing offers manually — by visiting insurance websites one by one — is pointless. Aggregator calculators pull current rates from all accredited companies simultaneously and immediately show the total amount based on specific data, not "from X UAH".

What changed with the new law — and why it matters

Liability limits are now up to 250,000 UAH for property damage and up to 500,000 UAH per victim for health or life damage. For comparison: the average insurance payout in 2024 amounted to 33,849 UAH — 12.5% higher than the previous year. The total payout volume across the market reached 4.8 billion UAH.

The increase in limits is the main reason for rising tariffs. But there is an upside: if an insurer loses its license, the MTSBV will make payouts on its behalf — without waiting for the liquidation procedure to be completed. This eliminates one of the biggest risks for a policy holder.

Electronic policy: what the real convenience is

An e-policy is automatically registered in the MTSBV registry at the moment of payment. It cannot be lost or forgotten at home — it is tied to the vehicle registration number, and any inspector can verify its validity through the bureau's official database. A paper copy for a traffic stop is no longer needed.

However, there is a nuance that is often overlooked: not all sites selling "electronic auto liability insurance" are selling real insurance. Some platforms resell policies from insurers with revoked or suspended licenses — and the document may look legitimate on the surface, but no payouts will be made on it.

How to verify before paying

• MTSBV Registry — check if the insurer is an active member of the bureau (mtsbu.ua).
• NBU Registry — the insurer's license must be active at the time of purchase.
• Policy verification after purchase — through the MTSBV database by vehicle number: the policy should appear there within a few hours.
• Price lower than market by more than 30% — reason to be cautious, not happy.

Auto liability insurance insures not your vehicle, but your liability to others. If the policy turns out to be fictitious, the costs of compensating the victim's damages will fall on you personally.

The principle of MTPL, established in legislation

Five minutes — if everything is done correctly

Online registration is indeed quick: calculator, company selection, card payment, policy to email and simultaneously to the MTSBV registry. But "five minutes" turns into a problem if you skip the insurer verification. Two additional clicks on the NBU website — and you know for sure that you didn't buy a fake.

If in 2025 the market continues to grow in terms of payouts — and the dynamics confirm this — the NBU will likely tighten control over online platforms. The question is only whether this will happen before the next fictitious "aggregator" leaves thousands of drivers without coverage after a traffic accident.

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